The Ultimate “Newly Married Couple” Home Setup in India Using EMIs

Starting life together in a new home is an exciting journey. Many newly married couples dream of creating a comfortable and well-equipped house. Equated Monthly Instalment (EMI) options make this easier by allowing couples to pay in small, manageable monthly amounts. This helps avoid the stress of paying a large amount at once. 

This blog explains how using EMIs helps newly married couples set up their home with trusted brands like Whirlpool, LG, Panasonic, Haier, and Samsung. It also shows how thoughtful EMI planning makes home setup smooth and stress-free.

Essential Home Setup for Newly Married Couples: Product Comparison
 

A quick and easy checklist of must-have home appliances and items you can buy on EMI to set up your new home without financial stress.

*Approximate retail prices as of December 2025; EMI amounts are indicative.

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

Product Overview and Key Features

Here’s a quick look at each product along with its primary benefits to help you choose the right items for your home.

1. Whirlpool 235 L Frost-Free Triple-Door Refrigerator

Overview
The Whirlpool 235L Frost Free Triple Door Refrigerator is an ideal choice for couples. The triple-door design offers three separate storage sections: freezer, refrigerator, and vegetable crisper. It is energy efficient and uses an inverter compressor to reduce power consumption and noise.

Key Features
●    235L total capacity, perfect for couples
●    Digital Inverter Compressor for quiet and energy-efficient cooling
●    Frost-free cooling technology
●    Toughened glass shelves
●    Top-mounted freezer with a separate door

2. Whirlpool 7 kg Magic Clean 5-Star Fully Automatic Top-Load Washing Machine

Overview
This washing machine offers convenience and consistent performance while using less energy. For newlyweds, it means less time spent on laundry and cleaner clothes with minimal effort.

Key Features
●    7 kg washing capacity, ideal for newlywed couples
●    5-star energy rating to save on electricity bills
●    Fully automatic wash cycles
●    Durable stainless-steel drum
●    Top-Loading design for easy loading and unloading

3. LG 80 cm (32 inch) LR570 Series Smart TV

Overview
This compact smart TV fits perfectly in small spaces while offering a wide range of entertainment options. It is ideal for daily viewing, streaming videos, and relaxing after a long day.

Key Features
●    32-inch LED screen, perfect for small bedrooms
●    HDMI and USB Ports for easy connection to set-top boxes, gaming systems, and media players
●    Built-in digital tuner, so no external tuner is needed
●    Energy-efficient LED display helps reduce electricity usage

4. Panasonic 1.5 Ton 5-Star Wi-Fi Inverter Smart Split AC

Overview
This air conditioner is perfect for summer, offering efficient cooling for medium-sized rooms. Smart Wi-Fi controls provide convenience, allowing couples to enjoy restful nights and cool summers without high electricity bills.

Key Features
●    1.5-ton capacity, ideal for rooms of 120-170 sq. ft. 
●    5-star energy rating and an ISEER value of ~5.20 for low power consumption. 
●    High-efficiency copper condenser coils for better cooling and durability
●    Smart Wi-Fi control for temperature management via smartphone or smart home devices 
●    A 4-way swing and a strong airflow (703 cubic feet per minute) for even cooling and a comfortable room environment

5. LG 28 L Convection Microwave Oven

Overview
Designed to heat food quickly or cook meals, the LG 28-Litre Convection Microwave is perfect for busy mornings and evenings. With convection, grill, and microwave modes, it serves as a multipurpose appliance. Its pre-set menus make it an ideal choice for newly married couples.

Key Features
●    28-litre capacity, suitable for light baking
●    1200 W grill with up to 1950 W convection heating
●    Digital controls with pre-set cooking programs
●    Stainless steel cavity
●    320 mm turntable making, it has a compact size

Tips to Choose the Right Appliances as a Couple

Here are a few simple tips to help couples choose appliances that fit their home, lifestyle, and budget.

●    When purchasing items as a couple, it is essential to choose the right capacity for your needs. For example, a 235 L refrigerator is ideal for two people.
●    Opt for energy-efficient products, such as 5-star or inverter models, to save on electricity bills.
●    If your home is small, consider compact or convertible models.
●    Smart Wi-Fi-enabled appliances add convenience and ease of use.
●    Always invest in reliable brands to ensure long-lasting performance.
●    When buying EMI, choose a plan with manageable monthly payments to keep your budget stress-free.

Finance Your Home Appliances With a Consumer Durable Loan

Buying multiple essential appliances at once can be expensive. A Consumer Durable Loan is a type of financing that helps you purchase appliances without paying the whole amount up front. It lets you split the total cost into smaller, manageable monthly payments.

EMI Calculation Example

*Actual EMI will depend on loan terms and credit evaluation.

Start your Consumer Durable Loan journey today and enjoy flexible EMIs on all your essential home appliances.

Also Read: Home Appliance Guide 2025: Smart Features, Energy Efficiency, and Space Optimisation

Step-by-Step Process to Apply for Consumer Durable Loan

Follow these simple steps to apply for an EMI and bring home your appliances without paying the full amount upfront.

●    Check Eligibility: Verify your Consumer Durable Loan eligibility with the lender.
●    Choose Your Product: Visit a partnered store or an approved online platform and select your desired electronics.
●    Prepare for Documents: Keep your Aadhaar-based KYC and repayment details ready.
●    Apply for the Loan: Fill out the application form online or at the store and submit your documents.
●    Loan Approval and Disbursement: After verification, the loan is approved, and the funds are paid directly to the dealer for your purchase.

Also Read: Smart Shopping in 2025: How Easy EMI Loans Are Changing the Way We Buy

To Conclude

Setting up your home together is one of the most special moments of married life. Choosing the right appliances on EMI helps you enjoy comfort and convenience right from the start. You can bring home essential electronics without stressing about large one-time payments. With thoughtful planning, you can enjoy a smooth and happy beginning in your new home.

Make buying a home appliance easier with a Consumer Durable Loan from Poonawalla Fincorp. Get financing of up to ₹5 lakh, enjoy flexible tenures of up to 24 months, and pay affordable EMIs that suit your budget. Alternatively, you can also opt for a instant loan from Poonawalla Fincorp with an online application and minimal documentation.

FAQs

What appliances are essential for a married couple to set up their first home? 
The appliances needed to be comfortable and function efficiently in daily life are: a refrigerator, a washing machine, an air conditioner, a stove/oven, and a television.

Will EMI add cost to the purchase? 
Yes, when the instalment payments have interest, they increase the total amount paid for the item due to the interest charged. 

Is a 235-litre refrigerator adequate for a couple? 
Yes, 235 liters with separate freezer and crisper drawers for vegetables provides ample space for a week's groceries/produce. 

What do I need to consider before I buy an appliance on EMI? 
The three things to check before you buy an appliance on EMI are: the appliance's price, its warranty, and its energy rating. The other factor is the comparison between the appliance's size and the space in your home. Lastly, check the EMI amount against your monthly budget. 

How long will appliances be valuable in your home?
A properly maintained, good-quality appliance (i.e., refrigerator, washer, and air conditioner) can last anywhere from 8 to 12 years, depending on how it is used and serviced.