Bajaj Finserv No Cost EMIs

Let your customers avail No Cost EMIs offered by Bajaj Finserv.

Offer No Cost EMIs by Bajaj Finserv to your customers. No Cost EMIs are offered as an upfront discount to your customers. The interest levied on the EMIs is waived off. After the customer makes the purchase, they are charged as per the credit card billing cycle or payment terms agreed with Bajaj Finserv.

Watch Out!

Bajaj Finserv services are temporarily disabled.

  • The customer should be a registered user of the EMI card provider, Bajaj Finserv.
  • Generate API keys from the . A combination of key_id and key_secret is required to authenticate API request sent to Razorpay servers.

For the customers to avail No Cost EMIs on the Razorpay Standard Checkout, follow the detailed steps as explained below:

Step 1: Create No Cost EMI Offers

Raise a request with the

to create the relevant No Cost EMIs you want to display on the Checkout. Get the appropriate offer_id created for each EMI plan.

Step 2: Associate Offer with an Order

Obtain the offer_id. Let us say, offer_ANZoaxsOww2X53, from our Support team. Create an order for the transaction amount for which the created offer should be applied.




integer Amount, in currency subunits, for which the order is created. For example, if the order is to be created for ₹30,000, enter the value 3000000 (in paise).



string ISO code of the currency associated with the order amount.



json object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.



array Unique identifier of the offer.
Pass the offer_id obtained from Razorpay Support team.



boolean Indicates if a discount is to be applied by Razorpay or not. Possible values:

  • 1(Discount applied)
  • 0(Discount is not applied)

-H "Content-Type: application/json" \
-d '{
"amount": 1000000,
"currency": "INR",
"discount" "1",
"offers": [

Step 3: Trigger Checkout

The order_id obtained in the previous step can be passed to the Checkout page as follows:

Copy-paste the parameters as options in your code:

<button id="rzp-button1">Pay</button>
<script src=""></script>
var options = {
"key": "YOUR_KEY_ID", // Enter the Key ID generated from the Dashboard
"amount": "50000", // Amount is in currency subunits. Default currency is INR. Hence, 50000 refers to 50000 paise
"currency": "INR",
"name": "Acme Corp",
"description": "Test Transaction",
"image": "",
"order_id": "order_9A33XWu170gUtm", //This is a sample Order ID. Pass the `id` obtained in the response of Step 1
"callback_url": "",
"prefill": {
"name": "Gaurav Kumar",
"email": "",
"contact": "9000090000"
"notes": {
"address": "Razorpay Corporate Office"
"theme": {
"color": "#3399cc"
var rzp1 = new Razorpay(options);
document.getElementById('rzp-button1').onclick = function(e){;

The customers can complete the payment as follows:

  1. On the Razorpay Checkout, customers enter the required details and select EMI as the payment method. Click Pay Now.

    Standard checkout with bajaj finserv.
  2. Customers enter the OTP sent to their mobile number if they want to use their saved cards and click Verify.

  3. They can select Cardless and Others and select Bajaj FinServ.

    Bajaj FinServ displayed in Cardless and Others section
  4. Customers select the EMI tenure and click Select EMI Plan.

    Select an EMI Plan and Select Plan.
  5. They enter the details of Bajaj Finserv-issued card and click Pay via EMI.

    details of Bajaj Finserv-issued card.

After the successful payment, Razorpay redirects customers to your application or website. Customers' monthly statements will reflect the EMI amount with interest charged by the bank. You can check the status of the payment from the Dashboard.



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