Easy on Wallet: 4 Best EMI Offers on Laptops in India

Looking to buy a new laptop without straining your budget? Here are the 4 best EMI offers on laptops in India, featuring top brands, zero-cost EMI options, and flexible payment plans. Ideal for students, professionals, and gamers, these deals make premium devices more affordable than ever.
4 Best EMI Offers on Laptops in India

Buying a new laptop doesn’t have to drain your savings now, thanks to the growing availability of easy EMI options on branded laptops. Whether you are a student preparing for the academic year, a professional upgrading your work-from-home setup, or a casual user in need of a reliable machine, EMI plans make your fav laptops more accessible than ever. With zero-cost EMI, low down payments, and flexible tenures, you can now own top brands like HP, Lenovo, Dell, and ASUS without the financial stress.

Here, in this article, we have handpicked the 4 best laptops with EMI options currently available in India, deals that combine performance, affordability, and convenience. Read on to find the perfect laptop for your gadget zone that fits your needs and your monthly budget as well.

What is EMI, and How Does it work for Laptops?

EMI (Equated Monthly Instalment) is a payment option that allows you to purchase a laptop by breaking down the total cost into smaller, fixed monthly payments over a chosen tenure (3 months, 6 months, 12 months, and so on). Instead of paying the full amount at a time, you pay a portion each month, making high-end laptops more affordable.

EMI options are available through credit cards, debit cards, or financing partners on platforms like Amazon and retail stores. Some brands and sellers even offer no-cost EMI, meaning you pay only the product price without extra interest. It’s a convenient, budget-friendly way to own the laptop you need immediately.

Also Read: 4 Best Laptops for Summer 2025: Lightweight, Cool, and Travel-Ready Options

Here we have compiled 4 top choices with EMI options that offer you easy payment options while giving you access to enjoy the high-end features of your favourite laptop without breaking the bank.

  • Lenovo ThinkPad E14 AMD Ryzen 3 7330U 14"

    When looking for easy EMI options for laptops in India, the Lenovo ThinkPad E14 (21JRS00Y00) is a GTG choice with multiple convenient EMI options. This is a sleek, business-ready laptop designed for professionals and students who need reliability and performance on the go. Powered by an AMD Ryzen 3 7330U processor, 8GB RAM, and a fast 512GB SSD, it ensures smooth multitasking and quick boot times. 

    The 14" WUXGA IPS display with 300 nits brightness delivers clear visuals, even in bright environments. Built with the legendary ThinkPad durability, it also features AMD Radeon Graphics, Windows 11, MS Office 2021, and a fingerprint reader for secure access. Its compact design makes it ideal for travel and everyday productivity.

    EMI Options: 

    • Amazon Pay Later offers 2 EMI options for 9 and 12 months, with a 24% interest rate 
    • Amazon Pay ICICI Credit Card offers you 3 and 6-month EMI options with a 15.99% interest rate (Laptop EMI offers with zero down payment on selected cards) 

    Specifications:

    • Brand: Lenovo
    • Model: E14 Gen 5 AMD
    • Screen Size: 14 Inches
    • Colour: Black
    • Hard Disk Size: 512 GB
    • CPU Model: Ryzen 3
    • RAM Memory Installed Size: 8 GB
    • Operating System: Windows 11 Home

    Pros: 

    • Bright 300 nits WUXGA IPS display
    • Durable and professional ThinkPad build
    • Fast SSD and fingerprint reader for security

    Cons:

    • No backlit keyboard in this variant
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  • ASUS Vivobook 15 (2024) Intel Core i3 12th Gen 1215U

    The ASUS Vivobook 15 (2024) is a stylish and efficient thin-and-light laptop, ideal for students and everyday users. Powered by a 12th Gen Intel Core i3-1215U processor, it offers responsive performance with 16GB RAM and a 512GB SSD for smooth multitasking and fast storage. 

    The 15.6-inch FHD display delivers vibrant visuals, while the sleek Icelight Silver design adds a premium touch. Preloaded with Windows 11 Home and MS Office, it’s ready out of the box for productivity and learning. Look for the laptop EMI offers, which are good for salaried employees, as they give multiple options. 

    EMI Options: 

    • Amazon Pay Later offers 3 EMI options for 6, 9 and 12 months, with a 24% interest rate 
    • Amazon Pay ICICI Credit Card offers you 3 and 6-month EMI options with a 15.99% interest rate 

    Specifications: 

    • Brand: ASUS
    • Model Name: Vivobook 15 (2024)
    • Screen Size: 39.62 Centimetres
    • Colour: Icelight Silver
    • Hard Disk Size: 512 GB
    • CPU Model: Intel Core i3
    • RAM Memory Installed Size: 16 GB
    • Operating System: Windows 11 Home

    Pros: 

    • 16GB RAM ensures smooth multitasking
    • Sleek, lightweight design for portability
    • Pre-installed Windows 11 and MS Office

    Cons: 

    • Integrated graphics limit gaming and creative workloads
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  • Dell Inspiron 3535, AMD Ryzen 5-7530U

    The Dell Inspiron 3535 is a thin and light laptop built for speed, style, and everyday performance. Powered by the efficient AMD Ryzen 5-7530U processor, paired with 16GB RAM and a fast 512GB SSD, it handles multitasking, productivity, and entertainment with ease. 

    The 15.6-inch FHD IPS display with a smooth 120Hz refresh rate offers vibrant visuals and a more fluid experience for scrolling, streaming, and light gaming. Preloaded with Windows 11 and MS Office 2024, it's ready for work or study. The sleek Platinum Silver design makes it perfect for on-the-go use.

    Best Laptop EMI Offers on Amazon: 

    • Amazon Pay Later offers 2 EMI options for 9 and 12 months with a 24% interest rate 
    • Other EMI option offers you 3 and 6 months with 11.88% to 16% interest rate on 18 credit cards 

    Specifications: 

    • Brand: Dell
    • Model Name: Inspiron
    • Screen Size: 15.6 Inches
    • Colour: Silver
    • Hard Disk Size: 512 GB
    • CPU Model: Ryzen 5
    • RAM Memory Installed Size: 16 GB
    • Operating System: Windows 11 Home
    • Special Feature: LED-Backlit

    Pros: 

    • High 120Hz refresh rate enhances visual smoothness
    • 16GB RAM ensures strong multitasking performance
    • Lightweight and stylish for portability

    Cons: 

    • No dedicated graphics for heavy gaming or design
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  • HP 15, 13th Gen Intel Core i3-1315U

    The HP 15 fd0573TU is a sleek, reliable laptop powered by the 13th Gen Intel Core i3-1315U processor, delivering responsive performance for everyday tasks. It features a 15.6" Full HD anti-glare micro-edge display for immersive viewing, backed by 12GB DDR4 RAM and a fast 512GB SSD for seamless multitasking and storage. Preloaded with Windows 11 and Microsoft 365 Basic (1-year subscription), it's productivity-ready out of the box. Its silver finish, slim design, and FHD camera with a privacy shutter make it perfect for both work and study. Ideal for students, professionals, and casual users alike. Explore here laptop EMI on credit cards and Amazon Pay Later. 

    Best Laptop EMI Offers for Students in India: 

    • Amazon Pay Later offers 2 EMI options for 6, 9 and 12 months with a 24% interest rate 
    • Other EMI option offers you 3 and 6 months with 11.88% to 16.5% interest rate on 18 credit cards 

    Specifications: 

    • Brand: HP
    • Model Name: HP Laptop
    • Screen Size: 39.6 Centimetres
    • Colour: Natural Silver
    • Hard Disk Size: 512 GB
    • CPU Model: Core i3 Family
    • RAM Memory Installed Size: 12 GB
    • Operating System: Windows 11 Home
    • Special Feature: Anti Glare Coating

    Pros: 

    • Fast performance with 12GB RAM and 512GB SSD
    • Full HD anti-glare display with micro-edge design
    • FHD webcam with privacy shutter for secure video calls

    Cons: 

    • No backlit keyboard, which may hinder low-light typing
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What Documents are Required for Laptop EMI?

To purchase a laptop on EMI, you generally need to provide a few essential documents for verification. These include a valid Aadhaar card for identity and address proof, a PAN card for credit verification, and recent bank statements or salary slips as proof of income. Some lenders may also ask for a recent passport-size photograph.

If you are applying through a credit card EMI option, fewer documents may be required, but good credit history is essential. For no-cost EMI or financing through NBFCs like Bajaj Finserv, you may need additional documents depending on the financier’s policy and your credit profile.

Read More: Laptops Under 20000 or Refurbished Laptops: Which One is Better?

Disclaimer: At Jagran, we prioritize providing the up-to-date information on the latest trending commodities and goods. This Article is written and vetted by our in-house category authors in sync with the Google guidelines on product reviews and shoppable content. Jagran is in an associate partnership, so we may earn a part of the revenue when you make a purchase. We shall not be liable for any claim under applicable laws, including but not limited to the Consumer Protection Act, 2019, concerning the products. The products listed in this article are in no particular order of priority.

Faq's

  • What is the difference between no-cost EMI and standard EMI?
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    No-cost EMI means you pay only the product price in equal installments without extra interest, while standard EMI includes interest, increasing the total amount paid over the repayment period.
  • How does a credit score affect my eligibility for laptop EMI?
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    A good credit score increases your chances of EMI approval, offers better terms, and lower interest rates. A low score may lead to rejection or a higher interest on your laptop EMI.
  • Can I foreclose my laptop EMI before the tenure ends?
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    Yes, you can foreclose your laptop EMI before the tenure ends. However, some lenders may charge a foreclosure fee, so it’s best to check the terms beforehand.