EMI & Finance Options

Easy EMI & Smart Finance Plans

Upgrade effortlessly with instant EMI approval and flexible finance options from leading banks and Bajaj Finance — available right at our store. Choose from No Cost or low-interest EMI on Apple, Samsung, Dyson, Bose, and more. Fast, transparent, and hassle-free.

Choose Your EMI

Bank EMIStandard

  • Available on major banks — HDFC, ICICI, Axis, SBI, Kotak, IndusInd
  • Tenure options: 3, 6, 9, 12, 18 & 24 months
  • Interest rate varies by bank & tenure (shown before confirmation)
  • Clear EMI breakup displayed before you confirm
Tip: Ask us for the most cost-efficient tenure for your credit card.

Brand EMINo Cost EMI

  • No Cost EMI on select models where brands fund the interest
  • Popular for Apple, Samsung, Dyson, Bose & other premium products
  • Works with selected credit cards (HDFC, ICICI, Axis, etc.)
  • Pay only the product price — no extra cost on eligible offers
Availability varies by brand and model — confirm latest schemes in-store.

Bajaj FinanceInstant Approval

  • No credit card required (for eligible customers)
  • Quick KYC & soft credit check done in-store
  • Flexible tenures from 3 to 18 months
  • Exclusive Bajaj offers on electronics & accessories
Ideal for customers without credit cards or who prefer Bajaj EMI cards.

How It Works

1) Choose Your Product

Select iPhone, premium audio, or Dyson — we’ll check eligible EMI offers instantly.

2) Select Your Plan

Compare Bank EMI vs No Cost Brand EMI. View tenure, total payable & savings.

3) Instant Approval & Billing

Complete KYC (if needed) and pay securely — approval in minutes.

Documents Required

  • PAN Card — mandatory for all EMI/finance applications
  • Aadhaar Card — valid ID & address proof
  • Recent Electricity Bill — for address verification (if Aadhaar not updated)
  • Registered Mobile Number — linked with your bank or Bajaj account
  • Bank Statement (if required) — for debit card or Bajaj verification
  • Cancelled Cheque — for account validation or loan disbursement
Carry photocopies for faster approval Check Bajaj pre-approved limit in-store

FAQs

Is “No Cost EMI” truly 0%?

Yes — for eligible models, the brand bears the interest. You pay only the product price. Any applicable bank/processing fee is shown upfront before payment.

When will I receive the product?

Immediately after successful approval & billing — no waiting period.

Which banks/cards are supported?

HDFC, ICICI, Axis, SBI, Kotak, IndusInd, and more. Availability depends on bank tie-ups & brand offers.

Are there hidden charges?

No — all costs, including any interest, are displayed clearly before confirmation.

🔧 Warranty & Support
Vishal Electronics
197 Sarat Bose Road, Near Marco Polo Restaurant, Kolkata – 700029
GST No: 19AAkFV5277A1ZX
Shubham: +91 9830130567  •  Om: +91 8777615376
Hours: 11:00 AM – 8:30 PM (Mon – Sat)
*EMI approval, documentation and rates are decided by your bank or lender. Offers may change without notice.
Warranty