No Cost EMI FAQ and T&C


What is No Cost EMI?
  1. No Cost EMI is an offer by which you pay your EMI provider only the product price, equally divided over your repayment timeline.
  2. For example, if you buy a product for Rs.15,000 at a 6 month tenure, you will pay your EMI provider Rs.2,500 every month for 6 months, amounting to a total of Rs.15,000*.
How to avail EMI facility?
  1. Please add all the products you would like to buy into your cart. Once finished, proceed to CCAvenue Payement Gateway.
  2. Click on EMI option, then select eligible bank and EMI period
What is the minimum cart value to apply for EMI?

No cost EMI is applicable when the total cart value is more than Rs 15,000. Multiple products with value less than Rs 15,000 can be added to arrive at eligible amount.

How will my EMI be charged?

Your EMI provider will take 3-5 working days to process your EMI. Once done, your EMI will be charged on a monthly basis, as per your credit card billing cycle or payment instructions with your EMI provider. Please check with your provider for specific details.

What are the repayment tenure options?

Total Cart value can be made into EMI with tenure options from 3 months to 12 months.

Are there any fees or down payment?

There are no processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI.

Will my bank continue to charge me interest?

Yes, your bank will charge you interest. However, this interest charge has been provided to you as an upfront discount at the time of your purchase, effectively giving you the benefit of a No Cost EMI*.

Cancellations on EMI purchases
  1. If you cancel an order purchased using EMI, Ansata will refund amount as per existing refund policy and EMI purchase will be cancelled.
  2. You will be required to connect with your bank to confirm how the EMI scheme on your credit card has been modified.
Returns & Refunds?

Return and refund will be according to the usual terms. Please visit, for more information.

How to Foreclose the EMI?

Please contact your Bank directly regarding foreclosure of your EMI.

Eligible Credit Cards

  • Axis Bank
  • IndusInd Bank
  • Standard Chartered
  • ICICI Bank
  • HSBC Bank
  • RBL Bank
  • Kotak Mahindra
  • Corporation Bank
  • Bank of Baroda
  • Yes Bank
  • IDBI Bank

No Cost EMI – Terms & Conditions

Regular T&C
All the general terms and conditions laid by Ansata Computer Systems Pvt. Ltd will be applicable.
Please visit for regular Terms and Conditions

Minimum Cart value
To avail “No or Zero cost EMI” minimum cart value must be more than or equal to Rs 15,000.

Change/Discontinuation of the offer
Ansata Computer Systems Pvt. Ltd reserves complete rights to change or discontinue the “No or Zero cost EMI” offer at any time without intimation.

Other offers & discounts
This offer cannot be clubbed with other offers available on Ansata web – store.

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