Buy Jewellery on EMI.
Buy Jewellery on EMI Without Credit Card.
Jewellery on EMI allows you to purchase ornaments by using a personal loan and repay the cost later in fixed monthly instalments. you can finance the purchase from hero fincorp personal loan and repay in the tenure you choose. This is a common way of purchasing gold jewellery on instalments and makes it easier without paying a large upfront amount.
Why Choose Hero FinCorp for Personal Loan to Buy Jewellery on EMI?
Jewellery EMIs with Hero FinCorp make financing easy and hassle-free.
- Fast approvals with minimal documentation
- Flexible repayment tenures
- Competitive interest rates
- Transparent fees with no hidden charges
- Quick loan disbursement
- Reliable customer service
- Enables purchase of premium jewellery without upfront expense
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Benefits of Buying Jewellery on EMI in India.
Let’s look at the main jewellery on EMI benefits:
Easy, Predictable Payments
With jewellery on EMI, you break the bill down into fixed monthly instalments, making cash flow or planning easier.
Improved Affordability
You can purchase something now, then pay for it later. This arrangement is perfect for the buying of gold jewellery on instalments.
You can Manage Your Budget Better
You can select your EMI without affecting your monthly savings.
You can Get Premium Designs You Like
You can choose nice designer pieces without any compromise, without paying the amount upfront and spreading the cost over into EMIs.
Price Lock at Purchase
You get the gold rate of today, protecting you from volatility.
EMI Application Online Convenience
You can apply for a loan, and fulfil the KYC digitally with online convenience from home, and pay the EMIs.
Occasion-Ready
Get jewellery on time for weddings or festivals without waiting to save full.
Personal Loan Flexible EMI Plans to Buy Jewellery on EMI.
Here’s a look at the jewellery EMI plans India for various tenures:
| Loan Amount (Rs) | Tenure (Months) | Interest Rate (p.a.) | Monthly EMI (Rs) | Total Interest (Rs) | Total Amount Payable (Rs) |
|---|---|---|---|---|---|
| 1,00,000 | 12 | 18% | 5,805 | 10,298 | 1,10,298 |
| 1,00,000 | 18 | 18% | 6,088 | 15,699 | 1,15,699 |
| 1,00,000 | 24 | 18% | 6,378 | 21,185 | 1,21,185 |
| 1,00,000 | 30 | 18% | 6,676 | 26,845 | 1,26,845 |
| 1,00,000 | 36 | 18% | 6,981 | 32,646 | 1,32,646 |
Use a personal loan EMI calculator tool to calculate your instalment amount for various loan amounts, interest rates, and repayment terms.
Find Out
If You Are Eligible.
Any salaried or self-employed individual is eligible to apply for personal loan to purchase jewellery on EMI. To make the purchase, you simply need to satisfy the following eligibility criteria:
| Eligibility Criteria | Details |
|---|---|
| Age | 21 to 58 Years |
| Citizenship/Residential Status | Indian citizen only |
| Type of Employment | Salaried and Self-employed |
| Minimum Monthly Salary | Rs 15,000 |
| Minimum Work Experience | 6 months (Salaried), 2 years (Self-employed) |
Interest Rates & Charges on Personal Loan for Jewellery on EMI.
Using a personal loan Interest rates and charges for purchasing jewellery on EMI include the following:
| Charge | Details |
|---|---|
| Interest Rate | Starting at 18% p.a. |
| Loan Processing Charges | Minimum 2.5% + GST |
| Prepayment Charges | N.A. |
| Foreclosure Charges | 5% + GST |
| EMI Bounce Charges | ₹350 |
| Interest on Overdue EMIs | 1–2% of the loan/EMI overdue amount per month |
| Cheque Bounce | Fixed nominal penalty |
| Loan Cancellation | - No cancellation fee for online loan application - Interest paid is non-refundable - Processing charges are non-refundable |
Types of Jewellery Available on EMI.
Jewellery on EMI lets you buy various types of pieces by paying in monthly instalments. Once you receive your loan amount, you can shop for gold jewellery on EMI or diamond jewellery on EMI without paying its cost upfront. Popular categories of jewellery you can buy on EMI include:
Gold
necklaces, chains, bangles, bracelets, mangalsutras (14K, 18K, 22K)
Rings
gold rings, solitaire, and diamond-studded rings
Diamond sets
necklaces, earrings, and full sets
Gemstone jewellery
rubies, emeralds, sapphires in classic and contemporary settings
Temple & ethnic jewellery
kasu mala, jhumkas, temple-style necklaces
How to Apply for a Personal Loan to Buy Jewellery on EMI?
Follow this stepwise process to apply for a Personal Loan to buy jewellery on EMI.
Online Process
Go to Hero FinCorp's website or download the personal loan app
Head to the personal loan page and select 'apply now'
Enter your mobile number and verify it with the OTP you receive
Select the loan amount you want to borrow
Verify your KYC details to check the income eligibility
Click 'Submit' to and wait for approval
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Frequently Asked Questions.
You can cancel. It is your choice of whether or not you want to use the loan amount or not.
GST and making charges on jewellery are inclusive in the bill. Therefore, you need to include them while deciding the required loan amount.
The price is fixed on purchase. Consequently, your EMI will be constant, even if the gold price changes.
Hero FinCorp employs encrypted payment gateways and digital KYC to execute payment. However, you should always take caution and verify the jewellery store's site before making a purchase.
Once you receive the loan amount, you can avail of any discounts or promotions to purchase your selected jewellery.
You can usually prepay to shorten the tenure or request restructuring to extend it. The final decision is subject to lender approval and applicable charges.