Paytm EMI options and offers


EMI options and offers from paytm online shopping

EMI Charges and Interest rate as on 14-05-2015


Bank 3-month 6-month 9-month 12-month 18-month 24-month
HDFC 12% 12% 13% 13%
ICICI 13% 13% 13% 13%
SBI 14% 14% 14% 14% N/A N/A
Kotak 12% 12% 14% 14% 15% 15%
AXIS 12% 12% 13% 13%
HSBC 12.5% 12.5% 13.5% 13.5%
IndusIN 14% 14% 14% 14%

N/A : No EMI options available for this tenure.

The table below shows a representative rendering of EMI plans for a Rs 20,000 purchase on Paytm paid using the EMI payment plan
Tenure (months) Loan amount Monthly installment Bank interest rate Total effective price you pay Interest paid to Bank
3 Rs 20,000 Rs 6,800.44 12.00% Rs. 20,401.33 Rs. 401.33
6 Rs 20,000 Rs 3,450.97 12.00% Rs 20,705.80 Rs. 705.80
9 Rs 20,000 Rs 2,344.32 13.00% Rs 21,098.89 Rs. 1,098.89
12 Rs 20,000 Rs 1,786.35 13.00% Rs 21,436.15 Rs. 1,436.15


  1. Will emi option be available on debit cards? And what if we have a Bank of Baroda debit card and none of those shown on ur website

  2. why we are shown full amount deduction message when we apply EMI option..what amount will be deducted exactly….Please reply soon as i want to use EMI option but am confussed about the deduction

  3. emi is calculated on the full amount of the product or the price after cash back. Assume i am buying a product worth 70000 and paying for 12 months at @ rate of 13%, what will be my emi ?

  4. i put 3 months emi icici credit card for purchasing j5(Rs.12869). but in the statement it is showing full amount of Rs.12869 due. While on the same day i purchased MI4i on flipkart on the same card, this transaction is showing 1 month installment (Rs.3298+108).
    can any one tell me what is happenning with paytm EMI.?
    Now, do i have pay whole amount?

    • From my observation, Your PayTM emi is not converted yet. and still your bill generated.
      In this case please check your Online Statement of credit card after 5-6 days the amount should be only EMI.

  5. Suppose I have to purchase something worth 80K, my card limit is 50K. So how do I make a down payment of 30K and make the rest 50K as EMI?

  6. I want purchase a led TV in emi offer with debit card, I not have a credit card
    plz help me or contect me my contact no. 09587362652

  7. If iam buy with credit card samsung j7 emi after that i can cancel the order and refund amount will be credit in my paytm account or credit card

  8. How can I purchase emi online shopping with bank of Baroda credit card…….
    This bank card not show any
    online shopping why please
    tell me any one please reply……..

  9. My cashback is not added to my wallet till now as I purchased the item on 14 April and received it on 15 April.
    I made a Replace order on 17 April and immediately call customer care to cancel that return ordrer.
    When will the cashback credited to my paytm Wallet.

  10. I am trying use axis bank credit card for EMI option but its showing not available for this card. Is there any card type requirement for EMI option

  11. EMI option is not available on mobile app and site, how can i place order order? kindly reply as soon as possible.

    and also i want to tell you something that

    I tried thousands of options to reach paytm customer care executive but i failed everytime. you people have really very poor customer care services.

    no one can call you
    no one can email you

    how to we can contact you then? please tell me.
    through these websites? where you sometimes reply and sometimes don’t.

    please, its a request to improve your customer care service so if we face any problem so we can contact you easily. after all we are your customers.


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