EMI Services in Nepal (kistabandi services)

EMI - Equated Monthly Installments (Buy Now Pay Later) is a scheme offered by different banks of Nepal to enable a person to buy the products on easy installments. For Instance, say a person requires a mobile phone but he doesn’t have that full money to pay for that, in that case, a person can apply for an EMI scheme and get the product without paying the full amount of the product initially.

There are Two Types of EMI Scheme available in Nepal: -

No Cost EMI- Interest cost waived by banks or financial institutions offering EMI Scheme.

                                   -For Short Duration (3-6 Months)

                                   -Interest Rate – Zero (nil)
                                   -Recently it not live but will be in coming days.

Standard EMI- Interest will be charged on every installment (As per Banks Rate)

                                   -For Long Duration (above 6 Months)

                                  -Interest Rate (Starts from 8% To 24%)


Products Available in EMI

-Mobile Phones/Tablets

-Home Appliance (Television, Refrigerator, Washing Machine, Vacuum cleaner, Laptop, Air-conditioner, etc.)


-Expensive gadgets


-Motor Vehicle (4 Wheelers & Two Wheelers)

- Tour Package

- Cosmetics Surgery, Diagnostic & other Surgery


The minimum price of the product must Rs. 15,000/- for Standard EMI and there is no minimum Cost for No Cost EMI


To avail products in EMI all you need to have a credit card if not then you have to apply for the credit card. Note: - EMI will also be available on the debit card very soon


Requirements for Credit Card to avail EMI scheme

For the person who does not have a credit card and wants to avail EMI must be salaried, self-employed or having its Business entity.

Documents Required for Credit card and EMI

  • For Individual (salaried)
  1. Income Letter
  2. Bank Statement (3-6 Months) or Pay Slip of last 6 Months
  3. Copy of Citizenship
  4. Passport Size Photo
  • For Self Employed and Business Entity
  1. Copy of Certificate of registration
  2. Copy of PAN /VAT
  3. Audit Report if Applicable
  4. Bank Statement- if not the audit report
  5. Tax Clearance
  6. Copy of citizenship (proprietor/ Director/Chairman)
  7. Passport Size Photo (proprietor/ Director/Chairman)


(Note: - There might be other documents required for no-cost EMI please call our customer support to know more about No Cost EMI)


EMI and Credit Card Related FAQ

1. How Much Time will it take to get the Product on EMI?

 ►If you already have Credit Card It takes 2 days hardly in case of No credit card it depends on Banks (generally 5-7 days). In Some Cases, it took more than a week.

2. What is DO?

►DO means Delivery Order which will be provided by banks to the merchant to deliver the product to the customer. (basically, it is a confirmation to the merchant to deliver the product to the customer)

3. EMI will be always on MRP?

►Not Necessarily It may be below MRP or above MRP, it depends on product and Interest Cost

4. If I Earn Rs. 25000 thousand in a month, will I get EMI of Rs 1 Lakh product?

►Yes! but you have to do down payment, generally, banks give limit and that is based on monthly salary and another parameter. The maximum limit is 2.5 times your salary.

5. How is the limit Decided by banks and financial institutions?

►It depends on lots of factors such as employment type/business type, own or rented residential property, vehicle owned, No of the year of business or Employment, Credit rating, and other factors.

6. Which Banks provides an EMI facility?

►Almost every A-class bank these days provides an EMI facility.

7. I have a credit card What will be the process to get EMI?

►You need to take a Quotation for the products you want from the merchants and visit the Banks. You can Download the Quotation from our Website www.onlinesathi.com

8. Are products purchased in Emi genuine?

►Yes! Every product purchased in EMI is genuine and Original that comes with proper bill and warranty.

9. I am a student; Do I get the products in EMI?

►Yes! But all you need to have credit cards (Soon EMI in Debit card will Also Be Available). Some banks provide a credit card to students also.

10. Is this facility available for outside valley also?

►Yes, Banks and online Saathi provides this facility almost everywhere in Nepal.

11. EMI or Cash Purchase which one is Better?

►If you can earn the installments from the money you don’t pay at first then go for EMI otherwise cash purchase is better (Standard EMI have some Interest)

12. Do I have to pay anything extra to the banks?

►You have to pay for credit card (Rs.500-Rs.1000) some banks don’t charge however few banks also charge a loan processing fee of 1% or 1000 whichever is lower.


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Comments (9)

  • Debin Rai Reply


    March 11, 2020 6:56 am

    Sony Bravia 40" Fhd Smart Led Tv (40W652D) NRS 51200 को 18 month सबै गरेर कति emi पर्छ ?

    November 28, 2020 9:54 am
  • Som bdr. Bishwakarma Reply

    I need a laptop.

    December 16, 2020 12:37 am
    • OS Admin Reply

      Sure, Pls download the quotation for the product you want our customer service team will guide you. Thank you !

      January 1, 2021 11:13 pm
  • Rukesh Sayaju Reply

    I want to buy iphone 12 pro max 128gb.. What is the procedure???

    January 3, 2021 8:06 am
  • ABIN Bishwakarma Reply

    Do I have to visit bank or I can forward you my documents for EMI. I have a credit card from the bank not listed in your quotation options. What are other process?

    January 21, 2021 9:51 am
  • Anil Maharjan Reply

    I want to buy laptop.Can anyone help me for the procedure I need to follow?

    May 14, 2021 4:07 am
  • Ashok rana Magar Reply

    After get a quatation what should i do.

    June 28, 2021 9:07 am
  • Shah mohammad Gaddi Reply

    I want one plus 8 pro

    July 17, 2021 6:48 am

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