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EMI FAQ

# EMI RELATED QUERIES (Coming soon)

Can I pay in instalments (EMI) for my purchase?

Wall West.com offers you the option to pay for your purchase with EMI. You can choose between the EMI plan for 3months/ 6months/ 9months/ 12months.
Before opting for EMI, please make a note of few points:
• Order/Cart value should be more than Rs.5000 (it can be cost of 1 product or sum of multiple products).

How does EMI payment work on Wall West?

If you choose to pay for an order through EMI, you need to choose the EMI plan and bank for processing it. The Bank charges annual interest rates (as shown below) according to the reducing monthly balance. In the monthly reducing cycle, the principal is reduced with every EMI and the interest is calculated on the outstanding balance.

 

Banks/Months

3 months

6 months

9 months

12 months

18 months

24 months

HDFC

12%

12%

13%

13%

15%

15%

ICICI

13%

13%

13%

13%

-

-

Axis

12%

12%

13%

13%

-

-

HSBC

12.5%

12.5%

13.5%

13.5%

-

-

Kotak Mahindra

12%

12%

14%

14%

-

-

Standard Charted

13%

13%

14%

14%

-

-

CITI

12%

12%

-

-

-

-

 

Example and Calculations:
The table below shows a representative rendering of EMI plans for a Rs 20,000 purchase using the EMI payment plan of HDFC bank.

Tenure (months)

Loan Amount

EMI

Bank Interest Rate

Total effective price you pay

Interest paid to Bank

3

Rs 20,000

Rs 6,800.44

12.00%

Rs. 20,401.33

Rs. 401.33

6

Rs 20,000

Rs 3,450.97

12.00%

Rs 20,705.80

Rs. 705.80

9

Rs 20,000

Rs 2,344.32

13.00%

Rs 21,098.89

Rs. 1,098.89

12

Rs 20,000

Rs 1,786.35

13.00%

Rs 21,436.15

Rs. 1,436.15

 

=PMT(Rate/1200,Tenure,-1*Loan Amount,0,0)

 

Can I use my Debit Card for availing EMI option on my purchase?

Our aim is to provide our customers with the best shopping experience. Unfortunately, we do not have the option of EMI using debit card at this point in time. However, you can place your orders using Credit Card.

 

Can I make some payment by cash and rest of the amount by EMI for a product?

Unfortunately a customer cannot opt for 2 payment modes in a single order. Payment can be either Cash on Delivery or EMI. If you opt for an EMI transaction, the entire price of the order is converted into an EMI (3 months, 6 months etc. depending upon your chosen option) and charged to your credit card in every billing cycle.

 

Is EMI facility available for all products?

Yes, EMI facility is available almost on all products.