Top Earbuds on EMI in India 2026: Apple, Samsung, Sony, OnePlus, JBL

Buying premium earbuds is now easier and more affordable. Instead of paying the full amount at once, you can choose flexible options like Equated Monthly Instalments (EMIs) or a Consumer Durable Loan. These plans let you pay in parts, so buying quality earbuds doesn't affect your monthly budget.

This guide explains how EMI and loan plans work and includes a quick comparison of popular models, such as Apple AirPods Pro (2nd Generation), Samsung Galaxy Buds2 Pro, Sony WF-1000XM5, OnePlus Buds Pro 2, and JBL Live Pro 2 TWS. You will get a clear picture of their features, prices, and payment plans, making it easier to decide which model and which financing option fits you best.

Detailed Comparison of Earbud Specifications
 

The product specifications of the individual varieties of earbuds are briefly described below:

This comparison helps you choose the right earbuds based on sound quality, features, and EMI-friendly affordability.

Also Read: How to Use a Consumer Goods Loan to Build Your Credit Score

Detailed Product Overviews of Leading Earbuds

1. Apple AirPods Pro (2nd Generation)

A compact and feature-rich choice, perfect for iOS users seeking immersive sound and advanced ANC.

Product Overview
Apple AirPods Pro (2nd Generation) deliver high-quality noise cancellation, balanced audio, and seamless integration with Apple devices. They feature a customer drive and an H2 chip for premium sound quality. Adaptive Transparency reduces background noise in real time. Lightweight and comfortable, these earbuds also offer personalised spatial audio for an immersive listening experience. 

Other Key Features
●    Advanced Adaptive ANC for stronger noise reduction
●    Spatial Audio with dynamic head tracking
●    Touch controls on the stem
●    Find My support
●    Sweat and dust resistance

2. Samsung Galaxy Buds2 Pro

A versatile and ergonomic option, ideal for Samsung users and fitness enthusiasts.

Product Overview
The Samsung Galaxy Buds2 Pro delivers high-quality sound while remaining comfortable for long listening sessions. They support 24-bit Hi-Fi audio when paired with Samsung devices and feature advanced active noise cancellation. The earbuds are compact, ergonomically designed, and provide a seamless connection across Galaxy devices. 

Other Key Features
●    24-bit Hi-Fi audio support
●    Intelligent ANC with three microphones
●    Auto Switch across Galaxy devices
●    Compact ergonomic fit
●    IPX7 water resistance for workouts
 

3. Sony WF-1000XM5

A sophisticated and performance-focused choice, ideal for users who prioritise studio-quality sound.

Product Overview
The Sony WF-1000XM5 earbuds offer industry-leading noise cancellation and studio-grade sound quality. They feature Sony’s Integrated Processor V2 and high-performance drivers for deep bass and clear vocals. These earbuds also provide a smooth calling experience with enhanced voice clarity.

Other Key Features
●    Industry-leading noise cancellation
●    LDAC support for high-resolution audio
●    Head-gesture controls
●    Multipoint Bluetooth connection

4. OnePlus Buds Pro 2

A budget-friendly yet feature-packed choice, ideal for Android users and bass lovers.

Product Overview
The OnePlus Buds Pro 2 features dual drivers tuned by Dynaudio, delivering rich and deep bass. They include intelligent ANC 2.0, spatial audio, and long battery life. These earbuds are perfect for Android users who want strong performance at an affordable price.

Other Key Features
●    Dual drivers (11 mm + 6 mm)
●    Smart ANC up to 48 dB
●    Spatial Audio support
●    Fast charging with Warp Charge
●    IP55 rating for durability

5. JBL Live Pro 2 TWS

A reliable and travel-ready choice, ideal for everyday listeners who want strong bass and long battery life.

Product Overview
The JBL Live Pro 2 TWS earbuds deliver powerful bass, clear vocals, and advanced adaptive noise cancellation. They are lightweight, comfortable, and offer long battery life, making them perfect for travel and daily use. Six built-in microphones enhance voice clarity for calls.

Other Key Features
●    True Adaptive ANC
●    JBL Signature Sound
●    Up to 40 hours of battery with the case
●    Fast charging (15 mins = 4 hours)
●    IPX5 splash resistance

Also Read: Top 5 Smart Gadgets and Appliances to Buy on EMI

Loan & EMI Options With Illustrative Calculations

Buying premium earbuds becomes easier with a Consumer Durable Loan or an EMI Card. These options allow you to purchase earbuds online or at partner stores without paying the full amount upfront.

Illustrative EMI Example
●    Product Price: ₹24,000
●    Time Period: 12 months
●    Monthly EMI: ₹2,000
●    Interest Rate: 0% (No Cost EMI)

This makes purchasing convenient and avoids putting unnecessary strain on your budget. Start your EMI journey today and enjoy your favorite earbuds without impacting your savings. 

How to Apply for a Consumer Durable Loan Online

Applying for a Consumer Durable Loan is simple and takes just a few minutes.

Step‑by‑step process 

Step 1: Choose your earbuds
Select the model that fits your budget and preferences. 

Step 2: Visit the product or loan page
Go to the official lender website and choose the Consumer Durable Loan option.

Step 3: Fill in your details
Enter your personal and contact information accurately.

Step 4: Select an EMI plan
Pick a tenure and monthly instalment that suits your budget.

Step 5: Complete the purchase
Once approved, you can buy your earbuds online or at partner stores.

Also Read: 10 Benefits of Buying Electronics on Loan from an NBFC Instead of a Bank

To Conclude

Selecting earbuds should be based on your listening preferences, the devices you use, and your budget. Consider comfort, sound quality, and deals to make your purchase affordable without straining your finances. 

With a Consumer Durable Loan, you can buy your favourite gadgets, appliances, and electronics and with flexible EMIs. Enjoy a 100% digital application, instant approval, and access through a wide dealer network. Shop for your next durable product conveniently and make your purchase affordable with easy EMI plans. You can also opt for an Instant Personal Loan from Poonawalla Fincorp and get up to ₹5 Lakh with online application and minimal documentation.

FAQs

What documents are required for an EMI purchase?
Aadhaar-based KYC and basic income proof are usually sufficient.

Can I buy multiple devices with a Consumer Durable Loan?
Yes, you can purchase more than one item, provided your loan limit allows.

Is No Cost EMI available on all earbuds?
No, it depends on the brand and the offers available at partner stores.

Are earbud products covered by a warranty?  
Most manufacturers provide a one-year standard warranty that covers manufacturing defects.

What earbuds are best for making calls?  
The Sony WF-1000XM5 and Apple AirPods Pro (2nd generation) offer superior call quality.