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How to Buy an iPhone with the Bajaj Finserv EMI Card

iPhones are on the wishlist of many Apple enthusiasts and gadget lovers. These smartphones, manufactured by Apple, one of the leading companies in the world, come with a wide range of cutting edge features

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Apple iPhone 14 Pro Max

iPhones are on the wishlist of many Apple enthusiasts and gadget lovers. These smartphones, manufactured by Apple, one of the leading companies in the world, come with a wide range of cutting edge features. The experience of owning and using an iPhone is definitely different and unmatched. 

However, as with any product that is as feature-rich and well-designed as the iPhone, the price tag on these devices can be quite a downer. If you have the latest iPhone in your cart, but the steep price is stopping you from checking out, here’s an idea. Why not buy your iPhone on EMI?

Buying an iPhone on EMI 

Normally, when you make a purchase at a store or online, you will have to pay the entire price upfront. Now, in the case of an iPhone, paying the whole cost at the time of purchase can be quite challenging, because even entry level phones from Apple cost around Rs. 40,000 or more.

However, you can work around this by buying your iPhone on EMI or Equated Monthly Instalments. This means the purchase price of the iPhone will be divided into multiple EMIs across the EMI tenure you choose. You can then pay back the cost across this tenure by breaking up the lump sum payment into smaller EMIs.

For availing this service, you will have to pay an additional interest on the purchase price. But by applying for the Bajaj Finserv Card online, you can get your iPhone on no cost EMIs too, meaning that you don’t have to pay any extra charges.

How to Buy an iPhone with the Bajaj Finserv EMI Card

Buying an iPhone on EMI with the Bajaj Finserv EMI Card is fairly easy. You only need to follow the steps listed below.

Step 1: Browse the latest iPhones on the websites of our partner stores.

Step 2: Select the iPhone you wish to purchase and click on ‘Buy Now.’

Step 3: At the time of checkout, choose the Bajaj Finserv EMI Card as your preferred mode of payment and select the ‘No Cost EMI’ option.

Step 4: Choose the tenure over which you want to pay the EMIs.

Step 5: Click on ‘Submit’ and place your order. 

That’s it! This is all you need to do to buy your preferred iPhone on EMI. Using the Bajaj Finserv Card online is very simple. You can also use the card to pay for your Apple smartphone on EMI at any of the physical branches of our partner stores. 

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Reasons to Buy iPhones on EMI with the Bajaj Finserv EMI Card

There are many advantages that come with using the Bajaj Finance Card online to buy your preferred iPhone on EMI. Here are the top benefits. 

  • Zero Down Payment 

You can buy the best iPhones in the market on EMI even without a credit card. And you don’t even need to make a down payment on your purchase. 

  • High Pre-Approved Loan Limit

With the Bajaj Finserv EMI Card, you get a high pre-approved loan up to Rs. 4 lakhs. This is more than sufficient for you to get your preferred iPhone and pay for it in instalments.

  • Convenient Repayment Tenures

You can choose to repay your EMIs over convenient repayment tenures ranging from 3 to 24 months. 

  • No Foreclosure Charges

In case you want to pay off your purchase cost before the end of the repayment tenure, you can do so without any foreclosure charges. This can be done at any time after the first EMI has been paid.

  • No Added Charge on EMIs

You do not need to pay any additional interest charges on the EMIs, thanks to the no cost EMI option offered on the Bajaj Finserv EMI Card.

Conclusion

So, as you can see, it is extremely easy to buy your favourite iPhone on EMI using the Bajaj Finserv EMI Network Card. The steps listed in this article should help you make your purchase easily. Once you’ve made your purchase, remember to pay your EMIs on time, so your credit history and your credit score can benefit from your timely repayments.

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Latest business news

Tulsi Tanti, founder and chairman of Suzlon Energy, dies at 64 due to cardiac arrest

According to the reports, Tanti was in Ahmedabad when to announce the opening of the company’s rights issue worth Rs 1,200 crore on October 11.

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Tulsi Tanti, founder and chairman of Suzlon Energy, dies at 64 due to cardiac arrest

Tulsi Tanti, the founder, chairman, and managing director of Suzlon Group, passed away on Saturday late evening due to cardiac arrest. The 64-year-old was on his way to Pune from Ahmedabad when he suffered a cardiac arrest.

Tanti was also the chairman of the Indian Wind Turbine Manufacturers Association. He is survived by his son Pranav and daughter Nidhi.

According to the reports, Tanti was in Ahmedabad when to announce the opening of the company’s rights issue worth Rs 1,200 crore on October 11.

Just a few hours before his death, Tanti held a media interaction in which he said Suzlon Energy plans to repay its debt and reduce its interest liabilities using the fund, to meet working capital needs and deploy the rest of the fund for corporate requirements.

Highlighting the need of reducing India’s energy import dependence, he said that the right time for doing business in the renewable segment is now. We just came in over two decades early, he added.

Lesser known facts about Tulsi Tanti and his company Suzlon

Tulsi Tanti leads the strategic growth initiatives of the businesses of Suzlon Group which provide a full spectrum of green power solutions. The group has a market capitalization of over USD 1.5 billion and an international presence across 18 countries on 6 continents.

Tulsi Tanti spearheaded the wind revolution in India with the founding of Suzlon Energy in 1995.

He is committed to enabling energy security and affordability, whereby the benefit of clean, renewable and reliable energy reaches every sector.

Tulsi Tanti is considered the Captain of the Indian and global renewable energy industry. He is also on the panel of various forums, including:

  • BRICS Business Council
  • India-UK CEOs Forum
  • India-Spain CEOs Forum
  • India-China CEOs Forum
  • India-Canada CEOs Forum
  • Indo-French CEOs Forum
  • India-Sri Lanka CEOs Forum
  • India- Russia CEOs Forum
  • FICCI International Council

Deeply passionate about the environment, he has been globally recognized for his achievements and conferred with numerous awards, including:

  • ‘Champion of the Earth’ by the United Nation Environment
  • Programme (UNEP) in 2009
  • ‘Hero of the Environment’ by TIME magazine for his contribution to raising awareness and initiating action on global climate change
  • ‘Entrepreneur of the Year 2006’ by Ernst & Young
  • ‘World Wind Energy Award’ by World Wind Energy Association
  • The CNBC TV18 ‘India Business Leader Award’
  • ‘Chanchlani Global Indian Award’ by Canada India Foundation
  • ‘Global New Energy Business Leader Award’ by China Energy News
  • ‘Asia’s Most Promising Leader Award’ by Ibrands, Dubai
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India News

Bank holidays October 2022: Banks to remain closed for 21 days due to Durga Puja, Diwali, and Chhath, check the full list of holidays here

The Reserve Bank of India (RBI) has released the list of bank holidays in October 2022 according to the guidelines.

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Bank holidays October 2022

October is a month full of festivities across India. This means banks working days will be affected. Last month, banks were shut for 21 days based on the festivals inlcuding Onam, Heroes’ Martrydom Day, Maharaja Agrasen Jayanti, S Bhagat Singh Jayanti, and others.

The Reserve Bank of India (RBI) has released the list of bank holidays in October 2022 according to the guidelines. The RBI divides holidays into three categories-Holiday under Negotiable Instruments Act and Real-Time Gross Settlement Holiday, Holiday under Negotiable Instruments Act, and Banks’ Closing of Accounts.

In October, both private and public sector banks will remain closed for 21 days due to multiple festivals including Durga Puja/Dussehra, Diwali, and Chhath Puja including the second and fourth Saturdays and Sundays.

Check the full list of bank holidays here

  • October 1: Half Yearly Closing of Bank Accounts
  • October 2: Sunday & Gandhi Jayanti Holiday
  • October 3: Durga Puja (Maha Ashtami)
  • October 4: Durga Puja/Dussehra (Maha Navami)/Ayudha pooja/Janmotsav of Srimanta Sankardeva
  • October 5: Durga Puja/Dussehra (Vijaya Dashmi)/Janmotsav of Srimanta Sankardeva
  • October 6: Durga Puja (Dashain)
  • October 7: Durga Puja (Dashain)
  • October 8: Second Saturday Holiday and Milad-i-Sherif/Eid-i-Milad-ul-Nabi (Birthday of Prophet Muhammed)
  • October 9: Sunday
  • October 13: Karva Chauth
  • October 14: Friday following Eid-i-Milad-ul-Nabi
  • October 16: Sunday
  • October 18: Kati Bihu
  • October 22: fourth Saturday
  • October 23: Sunday
  • October 24: Kali Puja/Deepavali/Diwali (Laxmi Pujan)/Naraka Chaturdashi)
  • October 25: Laxmi Puja/Deepawali/Govardhan Pooja
  • October 26: Govardhan Pooja/Vikram Samvant New Year Day/Bhai Bij/Bhai Duj/Diwali (Bali Pratipada)/Laxmi Puja/Accession Day
  • October 27: Bhaidooj/Chitragupt Jayanti/Laxmi Puja/Deepawali/Ningol Chakkouba
  • October 30: Sunday
  • October 31: Sardar Vallabhbhai Patels Birthday/Surya Pashti Dala Chhath (Morning ardhya)/Chhath Puja

Full list of weekly bank holidays across India

  • October 16: Sunday
  • October 22: Fourth Saturday
  • October 23: Sunday
  • October 30: Sunday

October is full of festivities and to avoid any inconvenience bank holders are advised to plan their bank visit accordingly.

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Latest business news

RBI mandates tokenisation of debit and credit cards from October 1, here are the new rules kicking in | FAQ

The last date to tokenise your cards is September 30.

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RBI mandates tokenisation of debit and credit cards from October 1, here are the new rules kicking in | FAQ

The Reserve Bank of India (RBI) has announced new rules for debit and credit card holders from October 1. Under these rules, the users are required to tokenise their debit and credit cards. The last date to tokenise your cards is September 30.

But what actually is tokenisation? Here’s all you need to know about it.

What is tokenisation of Debit and Credit cards?

As per the RBI, tokenisation refers to the replacement of actual card details with an alternate code called the token.

What is the benefit of tokenisation?

Since the merchant is not given access to the actual card information while completing the transaction, tokenized card transactions are perceived to be safer.

Will the merchant have access to your personal information after tokenisation?

The merchants can’t store information like CVV and the number while making a transaction. RBI considers tokenisation as the more secure and safest online payment system.

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How can the tokenisation be carried out?

By submitting a request through the token requestor’s app, the cardholder can have their card tokenized. The token requestor will send the request to the card network, and with the card issuer’s approval, the card network will issue a token corresponding to the combination of the card, the token requestor, and the device.

How to tokenise your card?

Step 1: Visit the merchant’s website or app and initiate a transaction.
Step 2: Select the credit or debit card and enter the CVV details.
Step 3: Then an option will pop up-either- Secure your card or Save card as per RBI guidelines. Tick-mark the check box.
Step 4: After that, you will receive the OTP on your registered mobile number.
Step 5: Now, the tokenisation process is done.

Can you de-tokenise the card?

Yes, you can convert the token back to actual card details. This is known as de-tokenisation.

What are the charges that the customer needs to pay for availing of this service?

The customer need not pay any charges for availing of this service.

How is tokenisation different from Credit and Debit cards?

The 16-digit card number will be replaced with a token that is created by the card network and sent back to the retailer. The retailer will keep a record of this token for the next transactions. To continue with the approval process, they must enter their CVV and OTP.

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