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Explore Easy EMI options for iPhone 16 with minimal or zero down payment and no added interest!
Last updated on: Jun 04, 2026
Looking for the iPhone 16 EMI down payment details? This guide explains how to buy the latest iPhone 16 on EMI, including down payment amounts, EMI calculator options, and Bajaj Finance offers. With the Bajaj Insta EMI Card, you can own the iPhone 16 without a credit card and enjoy flexible repayment tenures.
The iPhone 16 EMI down payment varies by model and tenure. For many variants, you can buy with zero down payment using the Bajaj Insta EMI Card.
iPhone Model |
Storage |
MRP |
Down Payment |
EMI (6 months) |
EMI Card Option |
iPhone 16 |
128GB |
₹79,900 |
₹5,000 |
₹10,900/month |
Bajaj EMI Card (No-cost EMI) |
iPhone 16 Plus |
256GB |
₹89,900 |
₹7,000 |
₹12,900/month |
Bajaj EMI Card (No-cost EMI) |
iPhone 16 Pro |
512GB |
₹1,19,900 |
₹10,000 |
₹16,100/month |
Bajaj EMI Card (No-cost EMI) |
Disclaimer: The above-mentioned prices are subject to change at the discretion of the retailer.
This smartphone comes in two variants with varying features. Take a look at their specifications before you decide on which one to get:
Phone Variant |
iPhone 16 |
iPhone 16 Plus |
iPhone 16 Pro |
iPhone 16 Pro Max |
Display |
15.54 cm / 6.1″ (diagonal) all‑screen OLED display |
17.00 cm / 6.7″ (diagonal) all‑screen OLED display |
15.93 cm / 6.3″ (diagonal) all‑screen OLED display |
17.43 cm / 6.9″ (diagonal) all‑screen OLED display |
Operating System |
iOS 18 |
|||
Weight |
170g |
199g |
199g |
227 g |
Front Camera |
12MP 2x Telephoto: 52 mm with ƒ/1.6 aperture, sensor-shift optical image stabilisation and 100% Focus Pixels |
|||
Rear Camera |
48MP Fusion: 26 mm with ƒ/1.6 aperture, 100% Focus Pixels, sensor‑shift optical image stabilisation and support for super-high-resolution photos (24MP and 48MP) |
48MP Fusion: 24 mm with ƒ/1.78 aperture, 100% Focus Pixels, second‑generation sensor‑shift optical image stabilisation, support for super‑high‑resolution photos (24MP and 48MP) |
||
Battery Life |
Up to 22 hours of video playback
Up to 80 hours of audio playback |
Up to 27 hours of video playback
Up to 100 hours of audio playback |
Up to 27 hours of video playback
Up to 85 hours of audio playback |
Up to 33 hours of video playback
Up to 105 hours of audio playback |
Storage Capacity |
128GB, 256GB and 512GB storage options |
128GB (available for the iPhone 16 Pro only), 256GB, 512GB and 1TB storage options |
||
Charging |
USB-C connector with support for charging, DisplayPort and USB 2
MagSafe wireless charging up to 25W (30W adapter or higher) |
USB-C connector with support for charging, DisplayPort and USB 3
MagSafe wireless charging up to 25W (30W adapter or higher) |
||
Colours |
Black, White, Pink, Teal, and Ultramarine |
Black Titanium, White Titanium, Natural Titanium, and Desert Titanium |
||
Disclaimer: The above-mentioned specifications are subject to change at the discretion of the provider.
If you are planning to purchase the iPhone 16 on EMI with the Bajaj Finserv Insta EMI Card, you need to first apply for the card. Here are the eligibility criteria you need to meet:
You must be of Indian nationality
Your age must be between 21 to 65 years
You must have a credit score of 720 or above
You must have a stable source of income
You also need to submit the following documents to prove your eligibility:
PAN Card
Address proof
Aadhaar Card number for KYC confirmation
Bank account number and IFSC code for e-mandate registration
If and once available, you can buy the iPhone 16 on EMI with the Insta EMI Card and convert the total cost of this phone into manageable monthly instalments. Here is how you can buy iPhone 16 on EMI with this card:
Visit any website that accepts the Insta EMI Card
Browse the available iPhone 16 Mobile models
Select your preferred model and choose the EMI payment option
Complete the application and verify your details
Confirm your purchase and select your desired EMI tenure
Visit any store that accepts the Insta EMI Card
Explore the iPhone 16 mobile models available in-store
Select the model you want and request the EMI payment option
Finalise your purchase at the billing counter
Take home your new iPhone 16 mobile with Easy EMI payments
Here are the benefits you enjoy when you buy the iPhone 16 on EMI with the Bajaj Finserv Insta EMI Card:
The EMI card offers a pre-approved loan limit of up to ₹3 Lakhs, covering the cost of most variants
You can get this smartphone without stress through the low or zero down payment option, if available
You can choose from a flexible repayment period of up to 60 months
You enjoy the freedom of repaying your loan earlier without incurring any pre-closure charges, once paying the first EMI
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Use this table to calculate approximate EMIs for iPhone 16 series based on Bajaj Finserv options .Rates may vary by eligibility and offers.
Variant |
Price |
Down Payment |
EMI (6 months) |
EMI (12 months) |
iPhone 16 (128GB) |
₹79,900 |
₹5,000 |
₹12,483 |
₹6,241 |
iPhone 16 Plus (256GB) |
₹89,900 |
₹7,000 |
₹13,983 |
₹6,991 |
iPhone 16 Pro (512GB) |
₹1,29,900 |
₹10,000 |
₹20,316 |
₹10,158 |
iPhone 16 Pro Max (1TB) |
₹1,49,900 |
₹12,000 |
₹23,316 |
₹11,658 |
This section covers iPhone 16 EMI down payment, iPhone 16 Pro Bajaj Finance EMI calculator, and iPhone 16 Pro Max 1TB EMI calculator.
Reviewer
Yes, you can buy the iPhone 16 on Easy EMIs with the Bajaj Finserv Insta EMI Card, once available. This card allows you to convert the total cost into affordable EMIs without added interest charges.
When you get an iPhone 16 on EMI, the monthly instalment depends on the repayment tenor, approved limit, and the phone model. The EMI amount will be lower if you choose a longer tenor and vice versa. For instance, if you choose the iPhone 16 Plus costing ₹89,900 and a 6-month EMI scheme, your monthly instalments will be approximately ₹14,984. For the 128GB model, EMI is ₹12,483/month (6 months) or ₹6,241/month (12 months) with a down payment of ₹5,000.
The equated monthly instalment amount associated with your iPhone 16 Plus depends on the tenor you choose. If you choose a tenor of 12 months, your EMI will come to approximately ₹7492 per month.
Yes, you can get any variant of iPhone 16 on EMI with the Bajaj Finserv Insta EMI Card, once available. Choose the repayment period that suits your budget and pay the EMI accordingly.
Yes, you can buy any iPhone 16 variant you like, on EMI without using a credit card. Simply use the Bajaj Finserv EMI Network Card. It offers a pre-approved loan of up to ₹3 Lakhs and offers an Easy EMI scheme that helps you avoid paying the entire cost upfront.
Both the variants of the iPhone 16 offer excellent features for great performance. The iPhone 16 Plus features a larger screen and a better battery life, but that’s where the differences end. You can select a model that is best for you by assessing your requirements and comparing the features.
The iPhone 16 Pro Bajaj Finance down payment is ₹10,000, with EMI starting at ₹20,316/month for 6 months. This is part of the Bajaj EMI for iPhone 16 Pro offers.
Use the iPhone 16 Pro Bajaj Finance EMI calculator. Enter price, down payment, and tenure to get monthly instalments. For the iPhone 16 Pro Max 1TB EMI calculator, EMI starts at ₹23,316/month for 6 months.
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