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Latest Apple iPhone on EMI

Buy the latest iPhone on EMI with the Bajaj Finserv Insta EMI Card. Apply now and get access to the EMI facility that lets you repay across a specific tenure.

Products on No Cost EMI 1 Mn+
Partner Stores 1.5 Lakh
Max. Pre-qualified Loan Offer ₹3 Lakhs

Last updated on: April 30, 2026

Owning a premium Apple device is now more accessible than ever. With the launch of the cutting-edge iPhone 17 series and the powerful iPhone 16 lineup, tech enthusiasts can upgrade their lifestyle without straining their finances. By leveraging the Bajaj Finserv Insta EMI Card, you can bring home the latest iOS innovation today and spread the cost over a flexible tenure. Whether it is the titanium-built Pro models or the vibrant base variants, the dream of owning an iPhone is just an EMI away.

How to Buy the Apple iPhone on EMI

Ever since its introduction in 2007, Apple’s iPhone has remained at the pinnacle of mobile technology, symbolising innovation and sophistication. With Apple launching newer models annually featuring superior bionic chips and advanced camera systems, staying updated is easier with flexible financing.

You can purchase your preferred iPhone through both online and offline channels. For a hands-on experience, visit offline Bajaj Finserv partner stores including Croma, Reliance Digital, and Apple Authorised Resellers. If you prefer online shopping, you can use the Insta EMI Card on major e-commerce platforms like Amazon and Flipkart. These partner channels allow you to convert the total cost into easy monthly installments, often with zero down payment options, eliminating the need for a credit card.

List of iPhone Models with Specifications and Features

The Bajaj Finserv Insta EMI Card offers a pre-approved limit of up to ₹3 Lakhs. While the iPhone 15 was previously a top choice at ₹79,600, the market has evolved with the latest iPhone 16 and iPhone 17 series (launched September 2025).

Below are the latest models and their key specifications:

Phone Variant

Display

Processor

Rear Camera

Battery Life

Price (Starting)

EMI Starts From

iPhone 16

6.3-inch Super Retina XDR

A18 Chip

48MP + 12MP Ultra Wide

Up to 22 hours video

₹79,900

₹3,329/mo

iPhone 16 Pro Max

6.9-inch Super Retina XDR

A18 Pro Chip

48MP + 48MP + 12MP

Up to 33 hours video

₹1,44,900

₹6,038/mo

iPhone 17

6.3-inch LTPO OLED

A19 Chip

48MP + 24MP Ultra Wide

Up to 24 hours video

₹82,900

₹3,454/mo

iPhone 17 Pro Max

6.9-inch LTPO OLED

A19 Pro Chip

48MP + 48MP + 48MP

Up to 35 hours video

₹1,69,900

₹6,663/mo

Disclaimer: Please note that the prices and details mentioned above are only indicative. The products’ prices and/or availability are subject to change without prior notice.

iPhone EMI Calculator – Monthly Payment Examples

Understanding your monthly outgo is crucial for financial planning. Unlike traditional loans, the Insta EMI Card often provides an "Easy" benefit, meaning you only pay the product price divided by the tenure.

Here is a breakdown of estimated monthly payments for the latest models:

iPhone Model Total Price 6 Months EMI 12 Months EMI 24 Months EMI

iPhone 16

₹79,900

₹13,317

₹6,658

₹3,329

iPhone 16 Pro

₹1,19,900

₹19,983

₹9,992

₹4,996

iPhone 17

₹82,900

₹13,817

₹6,908

₹3,454

iPhone 17 Pro

₹1,34,900

₹22,483

₹11,242

₹5,621

Eligibility Criteria and Documents Required to Buy an iPhone on Bajaj Insta EMI Card

To qualify for the EMI card and purchase your iPhone, you must fulfill the following criteria:

  • Nationality: Must be an Indian resident.

  • Age: Between 1 and 70 years old.

  • Income: Must have a regular source of income.

  • Credit Score: A healthy credit score (750+) is preferred.

You must have the following documents ready before applying for the Bajaj Finserv EMI Network Card:

  • PAN Card

  • Aadhaar Card (for identity and address verification)

  • Bank Account Details & IFSC (for e-mandate registration)

  • Cancelled Cheque (if requested at offline stores)

How to Buy an iPhone on EMI Using the Bajaj Finserv Insta EMI Card

Follow these simple steps to bring home your new iPhone:

  1. Visit a Bajaj Finserv partner store (online or offline).

  2. Select your preferred iPhone model (e.g., iPhone 17 Pro).

  3. Choose the Insta EMI Card as your payment mode.

  4. Select a repayment tenure that suits your budget.

  5. Provide your card details or registered mobile number to the executive.

  6. Enter the OTP received on your phone to complete the transaction.

Advantages of Purchasing an iPhone on EMI with the Bajaj Finserv Insta EMI Card

  • Zero Down Payment: Own the latest iPhone 17 without any immediate upfront cost on select models.

  • Flexible Tenures: Choose a repayment schedule ranging from 1 to 60 months.

  • 60-Month Easy EMI: Available on select iPhone models to make high-end Pro Max versions highly affordable.

  • No Foreclosure Charges: Pay off your total loan amount anytime after the 1st EMI without extra fees.

  • Massive Network: Accepted at over 1.5 lakh partner stores across 4,000+ cities.

  • High Credit Limit: Get a pre-approved limit of up to ₹3 Lakhs to cover multiple gadgets.

  • 60‑month Easy EMI on select models: You can stretch your purchase over 24 months with zero interest on eligible iPhone variants, lowering the effective monthly burden while keeping the total cost in line with the original price.

  • Zero foreclosure charges after 1st EMI: You can prepay or close the remaining EMI balance anytime after the first instalment without any extra foreclosure or penalty fees, giving you full flexibility if you get extra funds.

Shop for Gadgets at Partner Stores
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Financial Content Specialist

Reviewer

Saptarshi Ghosh

Frequently Asked Questions

How can I pay for an iPhone on EMI without a credit card?

You can make use of the Bajaj Finserv Insta EMI Card to get a pre-qualified card loan limit and make payments for an iPhone in monthly instalments.

The EMI on an iPhone will depend on the cost of the device and the repayment tenor you choose at the time of purchase. Also, if you opt for the benefit of easy EMI on your iPhone using your Bajaj Finserv Insta EMI Card, the charges will be different.

Yes, you can buy an iPhone and pay back on a monthly basis using your Bajaj Finserv EMI Network Card.

EMI facility is available for iPhones. Simply apply for the Bajaj Finserv Insta EMI Card and purchase your favourite model using the card. Repay the borrowed amount over a tenor extending up to 60 months.

Yes, most iPhone models are equipped with 5G-capable chipsets and modems, allowing them to connect to 5G networks for faster data speeds.

The iPhone 17 Pro starts at approximately ₹1,34,900. Depending on your bank and the chosen tenure, EMI plans typically start from ₹21,650 per month for a 6-month Easy EMI plan. For longer tenures, monthly payments can be as low as ₹5,621 (estimated for 24 months).

Yes, 24-month Easy EMI options are frequently available through specific bank tie-ups (like ICICI or SBI) and via the Bajaj Finserv Insta EMI Card at select partner stores. Some retailers also offer "iPhone for Life" programs where you pay only 75% of the value over 24 months.

Yes, zero down payment schemes are offered by many Bajaj Finserv partner stores and major retailers like Reliance Digital for the iPhone 17 series. This allows you to walk out with the device without any upfront payment, provided you meet the eligibility criteria for the loan.

Absolutely. Platforms like Bajaj Mall, Cashify, and Amazon offer refurbished iPhones (such as the iPhone 13 or 14) on easy EMI. These devices are much more affordable, with prices starting as low as ₹27,499, and can be split into monthly installments ranging from 3 to 60 months.

You can buy an iPhone online without a credit card using:

  • Bajaj Finserv Insta EMI Card: Select this at checkout on Amazon or Flipkart.

  • Debit Card EMI: Available for eligible customers of major banks like HDFC, ICICI, and Axis.

  • Fintech Loans: Apps like ZestMoney or IDFC FIRST Bank (FIRSTmoney) provide instant digital credit for gadget purchases.

The base iPhone 17 (256GB) is priced starting at ₹82,900. The series also includes the new iPhone 17 Air (approx. ₹94,990), the iPhone 17 Pro (₹1,34,900), and the iPhone 17 Pro Max (starting at ₹1,49,900).

For the iPhone 16 Pro (starting at ₹1,19,900), the EMI breakdown is generally:

  • 6 Months: ~₹19,983/month

  • 12 Months: ~₹9,992/month

  • 24 Months: ~₹4,996/month

Based on a starting price of ₹1,34,900, a 24-month Easy EMI would be approximately ₹5,621 per month. If you choose a standard EMI with interest, the amount may vary depending on the annual interest rate (typically 13%–16%).

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