Shop TVs & Home Theatres on Easy EMIs This Navratri & Dussehra

The auspicious occasions of Navratri & Dussehra are highly revered as a good time to purchase household electronics, including TVs and home theatre systems. Besides great festive deals, the recent GST reforms implemented in September 2025 have also reduced costs, making these purchases more accessible.

A Consumer Durable Loan eliminates upfront payments and helps fund the purchase of TVs & home theatres on easy EMIs. In this blog, we will explore how easy EMIs from consumer durable loans can help you buy home theatres and TV systems during the auspicious festive season of Navratri & Dussehra, and the range of benefits they offer. Read on!

How To Purchase TVs and Home Theatres on Easy EMIs
 

GST reforms in 2025 have brought the rates on televisions and audio to 18% from the earlier 28%. This reform makes it more feasible for middle-income households to buy a more expensive entertainment system. Already, television screens above 32 inches could see a price drop of ₹4,000!

All these reforms increase the appeal and accessibility to festive purchasing. Here’s how to go about it with the help of Easy EMIs:

●    Choose your TV or home theatre system that you want to purchase and opt for the easy EMI financing at the sales counter. If you’re shopping online, simply select that option from the given payment methods.

●    You’ll be asked to provide a few basic KYC documents (Aadhaar card, PAN card) and potentially proof of income (bank statements or salary slips) for on-the-spot verification.

●    Your eligibility will be processed in a matter of minutes, and you can then choose a loan tenure that will keep your EMI amount manageable.

●    Cross-check details like the rate of interest you’ll be paying, prepayment penalties, one-time processing fees, and other details.

●    Once you’re satisfied with the terms of your loan and you receive approval, the affiliated lender will disburse the specified amount (total cost of your purchase) to the retailer.

●    You can now take your brand-new TV or home theatre back home; the ownership is completely yours, and all you have to do is repay the monthly EMI on time.

Also Read: Why Should You Consider Taking a Loan for TV?

Key Benefits of Easy EMI for Electronics Purchases

TVs are among the products that are heavily opted for; this year, with the predictions of high spending behaviour and GST cuts, home theatre systems could also be on the wish list for many consumers. Easy EMIs have specific benefits for these purchases, such as:

●    Immediate ownership: No need to save up money, mortgage your assets, or place your purchase as security! Easy EMIs from a Consumer Durable Loan let you take home your preferred TV or home theatre system immediately, without waiting to accumulate the full purchase amount.

●    Budget-friendly instalments: Convert your large expenses into manageable monthly payments that align with salary cycles. This way, you can enjoy a stress-free festive season upgraded with the joy of new purchases.

●    No collateral needed: Consumer durable loans are unsecured, requiring no property or asset pledging.

●    Competitive interest rates: Banks and NBFCs are likely to offer attractive interest rates when compared to credit card payments, providing flexibility based on individual financial situations.

●    Zero to minimal down payment: Many retailers offer no upfront payment options during festival sales! Plus, you can also benefit from no cost EMIs where you save on the interest you would have paid, effectively increasing your savings.

●    Flexible tenure options: Choose repayment periods from 6 to 36 months based on your financial comfort and repayment ability, so your EMIs remain manageable.

●    Quick approval process: Consumer durable loans are known for their seamless processing and almost-instantaneous approval, saving you the waiting time when shopping for new things.

●    Maximise festival discounts: Festival sales typically offer 20-40% discounts on retail prices, with additional exchange offers for old electronics. Combine the purchase of multiple products for your TV and home theatre system under one loan with a consolidated EMI; this way, you make the most of discounts while simplifying financial management.

●    Extended warranty: Extended warranty packages become more affordable when included in EMI calculations, providing long-term device protection without immediate cost impact.

Also Read: Small Cars to Luxury Goods: The New GST Hierarchy Explained

To Conclude

Navratri and Dussehra are some of the best times to upgrade your home entertainment systems. Favourable discounts and lower GST in 2025 make prices more affordable, elevating the joy of this festive season. Combined with EMIs, these benefits will help you get the best entertainment with no loss of financial stability.

Opt for Poonawalla Fincorp’s hassle-free Consumer Durable Loan with an Instant EMI card. Get a maximum limit of up to ₹5 Lakhs and use your card to shop from our enrolled dealer network. Explore more on the official website. 

Frequently Asked Questions

What documents are required for easy EMI approval on electronics? 
Standard requirements include the PAN card, Aadhaar card, and income proof (salary slips or bank statements from the last 3-6 months). Self-employed individuals may need additional business documentation.

Can I get zero down payment options for TVs and home theatres? 
Yes, many retailers offer zero down payment schemes on select models during festival seasons, though eligibility depends on credit profile and loan amount.

How quickly can I get EMI approval during festival sales? 
Most pre-approved customers receive instant approval, while new applications are typically processed within 2 to 24 hours during peak festival periods. This would also depend on your creditworthiness, current debt-to-income ratio, and the type of loan you’re applying for.

Are there any hidden charges in easy EMI schemes? 
Sometimes, there could be minimal charges and rules such as a one-time processing fee and prepayment charge as part of an easy EMI scheme. Transparent lenders clearly disclose processing fees, interest rates, and any applicable charges upfront. Always review the loan agreement thoroughly before signing.

What happens if I want to prepay my EMI loan early? 
Most lenders allow partial or full prepayment with minimal charges after completing a certain number of EMIs, typically 6-12 months. Always check with your lender about prepayment penalties before prepaying your loan.

Do EMI purchases affect my credit score? 
While the EMI purchase itself doesn’t impact your credit score, how you manage your EMIs has a direct impact. Timely EMI payments positively impact your credit score, while delays or defaults can negatively affect your credit profile and future loan eligibility. Taking on multiple EMI options will be reflected in your credit report.