EMI as a payment method is only available for customers using credit cards issued by:

• ICICI Bank
• INDUSIND Bank
• Kotak Mahindra Bank
• Axis Bank
• HSBC Bank

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The interest rate charged varies from bank to bank. Here is a summary of the interest rates:

Banks	3 mon.	6 mon.	9 mon.	12 mon.
ICICI Bank (CREDIT & DEBIT CARD)	13%	13%	13%	13%
INDUSIND Bank	13%	13%	13%	13%
Kotak Mahindra Bank	12%	12%	14%	14%
Axis Bank	12%	12%	13%	13%
HSBC Bank	12.5%	12.5%	13.5%	13.5%

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EMI Highlights

• This table shows different banks and the respective EMI options based on the product price. This is for indicative purposes only, your EMI payments may differ with total order amount and additional bank charges, if any.
• Minimum order value to avail the EMI option is Rs. 10,000.
• These prices do not include shipping charges.

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How to Pay using EMI

• Select your preferred EMI option at the time of payment.
• Final EMI is calculated on the total value of your order at the time of payment.
• The minimum order value to avail the EMI option on Light&You is Rs. 10,000.
• The Bank charges annual interest rates 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.
• On 'Select a payment method page, choose the bank and plan (3, 6, 9 or 12-month) of your choice and enter your credit card details.
• Once the payment is authorized, your order will be processed and shipped.
• For EMI payments, initially, customers will be charged the full amount on their credit card. This will later be converted to an EMI transaction by their bank. This normally takes 5-7 working days.

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Cancellations and Refunds

• The EMI facility is not applicable on gold coins and bars.
• In case of any kind of refund in an EMI transaction, interest already billed in a particular transaction will not be refundable under any circumstances.
• While you will not be charged a processing fee for availing Light&You’ EMI option, the interest charged by the bank shall not be refunded by LIGHT AND YOU PRIVATE LIMITED.
• You may check with the respective bank/issuer on how a cancellation, refund or pre-closure could affect the EMI terms, and what interest charges would be levied on you for the same.