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Easy EMI

Today, we live in a world where it is almost next to impossible to lead a normal life unless you have bank account oozing with cash. Buying anything expensive at anytime is far beyond the capabilities of a common man. In such troubled times, EMI Payment options seems to be the only saviour. It helps you to pay for the products you have purchased in parts.

What is EMI?
EMI is Equated Monthly Instalments. It is a fixed payment amount made by the buyer to the Bank. This amount would be paid at a specified date each calendar month. Both interest and principal amount are paid each month, so that over a specified tenure, the total amount is paid off in full. This payment method relieves the customers from making bulk payments. Customers can purchase anytime and make their payments later.

EMI payment option is available for ICICI, HDFC, SCB, SBI, HSBC, AXIS and KOTAK card holders. This EMI facility can be availed for tenures of 3, 6, 9, 12 and 18 months. The longest tenure of 18 months gives you more time to pay off your payment amount. After making each EMI payment, the principal amount will be reduced and the interest will be calculated on the remaining outstanding amount. However, some banks may charge service tax on the interest paid. It takes 7-10 days for the EMI transaction to reflect in your statement.


After placing an order, the EMI payment option has to be chosen. Once the EMI option is selected, the shopper would be required to select his EMI plan i.e 3,6,9,12 or 18 months. The exact EMI amount will be calculated and displayed on the payment gateway screen for the shopper’s reference. To know more about the EMI payment details for the products purchased at Home Needs Online, please go through our website. Meet your needs effortlessly!

EMI calculator

Check per month instalment for your shopping value


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Shopping Amount *

EMI Plan


  • 3

  • 6

  • 9

  • 12

  • 18

EMI Calculator Result

Months 3 6 9 12 18
HDFC 14% 14% 15% 15% -
ICICI 13% 13% 13% 13% 15%
HSBC 12.5% 12.5% 13.5% 13.5% -
SCB 13% 13% 14% 14% -
AXIS 12% 12% 13% 13% -
KOTAK 14% 14% 15% 15% -
SBI 14% 14% 14% 14% -

Monthly Payment EMI Rs.

Total Interest Payable Rs.(15%)

Total Payment (Principle + Interest)
Rs.

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Welcome to HOMENEEDSONLINE. We offer a wide range of Home needs products that will enhance your lifestyle. We present you Home and Kitchen appliances, Home Decor products and Consumer Electronics from renowned brands at best prices in India. With a click of a button, you can now make these a part of your home or office space. Host a dinner party, celebrate the birth of your child, do a movie meet or simply have a family get together. From Kitchen Appliances like, pressure cookers, non-stick cookware, mixer grinders, glass top LPG stoves, fridges , bar accessories , aprons etc., to Home Décor products like vases, coffee tables , posters, paintings , wall art etc ., to Consumer Electronics like cameras, tablets, laptops, televisionsand washing machines, we offer products across every category you can dream of with multiple payment options processed through secure and trusted gateways.Whats more, we offer free home delivery across India. Enjoy the best price along with a unique online shopping experience with us at HOMENEEDSONLINE