1. Final EMI is calculated on the total value of your order at the time of payment.
2. The Bank charges annual interest rates according to the reduced monthly balance. In the monthly reduction cycle, the principal is reduced with every EMI, and the interest is calculated on the outstanding balance.
3. The minimum order value to avail of the EMI payment option is Rs. 2,500
4. This option is available only when the cart contains items from a single seller
5. In case of any refund in an EMI transaction, interest already billed in a particular transaction is not refundable under any circumstances.
6. While you will not be charged a processing fee for availing of the Indiaexims EMI option, the interest charged by the bank shall not be refunded by Indiaexims.
7. 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.
8. Processing fee if any will be charged by your card issuing Bank. Please check the Terms & Conditions of availing EMI with your Bank
9. For select banks, the interest amount on the first EMI will be calculated from the loan booking date till the payment due date.
10. The bank may also levy GST as applicable.
Indiaexims Pay Later is a payment option available on Indiaexims, Myntra, and Shopsy. Avail the Pay Later option during your purchase and pay the following month before the 5th in full.
You can also pay in EMIs. This payment option is available on select Indiaexims products.
With Indiaexims Pay Later, you get:
Yes, you can use your Indiaexims Pay Later with all payment options other than COD such as UPI, credit card, debit card, netbanking and wallets.
You can repay by clicking on the payment link we’ve sent via Email/SMS. (OR) Go to My accounts > Indiaexims Pay Later to pay your dues.
Customers who successfully complete the application process for Indiaexims Pay Later and complete their first transaction using Indiaexims Pay Later during the offer period will be eligible to receive exciting rewards.
You can apply Indiaexims Pay Later with other payment options on the payments page.
If the price of the product is ₹15000, and you have a Indiaexims Pay Later credit of ₹10000 only, you can use your Indiaexims credit and pay the balance amount ₹5000 via another payment option.
Please visit the Indiaexims Pay Later section under ‘My Account‘ and refer to the ‘Pay Later’ section to know your total credit limit, available credit limit, bills due and the current month usage.
Your available limit can change depending upon the following actions:
When you place an order on Indiaexims or any other partner merchant
When you cancel or return a product purchased on Indiaexims or a partner merchant
When you repay your Indiaexims Pay Later bill
Currently, we don’t support requests for changes in credit limits. However, we may choose to increase/decrease your limit based on your purchase & repayment behavior from time to time and you will be intimated for acknowledgment or consent.
This data is used only to assess your eligibility for Indiaexims Pay Later. Your personal data is not accessed and the collected data is not shared with third parties.
Indiaexims Pay Later is a financial credit product offered to you in collaboration with our financial partners. Like with any other financial product, you are required to complete your KYC in order to avail it. You can complete the minimum KYC requirements via an Aadhaar-based OTP verification.
As per RBI Master KYC Directions, an Aadhaar OTP-based e-KYC is considered to be a minimum KYC. It is valid only for 12 months from the date of activating your Pay Later account. Also, your overall shopping usage will be restricted to beyond which you will not be able to use Pay Later services without upgrading to full KYC.
Please visit the Indiaexims Pay Later section under ‘My Accounts‘ on your Indiaexims app. Click on the ‘KYC status’ section to know your KYC expiry date.
If you are a minimum KYC user, you can always upgrade to full KYC by visiting the ‘KYC Status’ section as mentioned above. We will also send you reminders as your KYC expiry draws closer.
To complete your full KYC, we will search your KYC details on the Central KYC Registry. In case your central KYC record does not exist, you would need to undergo an Aadhaar- Paperless Offline e-KYC. Once successful, you will be required to provide your bank account details (Account no. & IFSC code). We will then proceed to deposit Rs 1/- into your account to verify your account name against your PAN/Aadhaar.
In order to upgrade your KYC smoothly, please ensure that the account number shared by you is active and is registered in your name.
The Central KYC (C-KYC) Registry is an initiative by the government of India to centralize the KYC documents of the customers for availing various financial services. The purpose of C-KYC is to remove the need for submitting fresh documents for KYC verification every time a new financial relationship needs to be started.
More details about C-KYC can be found
Aadhaar Paperless Offline e-KYC is another mode for upgrading to full KYC. Only users who do not have a C-KYC record will need to go through this. As part of the process, you will be redirected to the UIDAI website to generate your Aadhaar Paperless Offline e-KYC which will be shared with our lending partner in a secured manner.
More details about the process can be found .
We will share your KYC details and bank account number with our lending partner for the purposes of KYC completion only. The information will be stored and shared in a secure manner such that no other party will be able to access it.
For more information regarding Indiaexims’s data privacy policy, please visit the following link –
Usage and Tracking
If you are shopping on Indiaexims, please look for ‘Indiaexims Pay Later’ under the ‘Easy Payment Options’ section on the product details page. If you are shopping on our partner platforms, you will be able to see ‘Indiaexims Pay Later’ on the payment page if your order is eligible.
Indiaexims Pay Later is currently available only for select products on Indiaexims and other partner platforms.
Add all item(s) eligible for Indiaexims Pay Later to your cart as usual
Proceed to checkout
Select Indiaexims Pay Later as your payment mode
Pay your monthly bill by the 5th of next month for all your purchases.
You can currently use Indiaexims Pay Later on many Banks partners . To use Indiaexims Pay Later . you must ensure that your phone number which you are logging in on Partners is the same as the registered phone number on Indiaexims.
No. You can place orders throughout the month without any down payment.
You can track the Indiaexims Pay Later usage and transactions on the Indiaexims App itself. Visit the “Indiaexims Pay Later” section under the ‘My Account’ menu.
Most Indiaexims Pay Later transactions do not require an OTP. However, to keep your account secure, you might occasionally be required to authorize the transaction using OTP.
Yes. You can cancel/place a return request to your order by going to ‘My Orders’ and choosing the item you wish to cancel/return.
If you placed the order on external merchants like partners, the return/cancellation policies of the respective merchants would apply. The cancellation/return policy may vary on these merchants across different products and services.
If your order was placed on Indiaexims, please cancel your order immediately by visiting ‘My Orders’ and choosing the item you wish to cancel. Please change your password, and contact our customer support for securing your account.
If the order was placed on a merchant other than ‘Indiaexims’, please contact the respective merchant immediately to cancel the order. Please also change the password for the respective merchant account, and delink the merchant by visiting the “Manage Linked Apps” section under “Indiaexims Pay Later” in “My Accounts” on the Indiaexims app. We recommend that you relink your Indiaexims Pay Later account to the merchant only after changing your password.
Please check if your phone number on the merchant such as partners is the same as your registered phone number on Indiaexims. Once you have updated the phone number at the merchant, it can take up to 24 hours to enable Indiaexims Pay Later on the merchant. After 24 hours, you should be able to view Indiaexims Pay Later as one of the payment instruments.
Please check if your phone number on the merchant such as partners is the same as your registered phone number on Indiaexims. Once you have updated the phone number at the merchant, it can take up to 24 hours to enable Indiaexims Pay Later on the merchant. After 24 hours, you should be able to view Indiaexims Pay Later as one of the payment instruments.
Indiaexims Pay Later (EMI) is a payment mode available on the Indiaexims App that allows you to shop now and repay for your purchases through hassle-free easy monthly installments
EMI offers the following benefits:
This EMI facility is currently available to only a selected set of customers. However, we are continuously looking to expand this offering to newer customers. Keep visiting & shopping on Indiaexims to know more.
Please visit the ‘Indiaexims Pay Later’ section under ‘My Account’. Refer to the ‘Credit Usage’ section to know your total credit limit, remaining credit limit, bills due and the usage for the current month.
Indiaexims Pay Later (EMI) is currently available for select products, where transaction amount is greater than Rs 3000.
Indiaexims Pay Later EMI facility is enabled based on dynamic transaction rules determined in partnership with our lending partner. Indiaexims Pay Later EMI facility is available on select categories only. This facility is not available on Gift Cards, Gold & Jewelry, Grocery and select Quick purchases.
Indiaexims Pay Later (EMI) is currently available for select products, where transaction amount is greater than Rs 3000.
Indiaexims Pay Later EMI facility is enabled based on dynamic transaction rules determined in partnership with our lending partner. Indiaexims Pay Later EMI facility is available on select categories only. This facility is not available on Gift Cards, Gold & Jewelry, Grocery and select Quick purchases.
# Add item(s) to your cart as usual
# Proceed to checkout
# Select Indiaexims Pay Later (EMI) as your payment mode, and select an EMI plan as per your preference.
# Please note, you may need an OTP to complete your transaction. This is an additional verification required as an enhanced.
# security measure for certain transactions only.
Currently, Indiaexims Pay Later (EMI) is not available on platforms other than Indiaexims.
No. You can place orders without making any down payment.
The interest rate & the actual interest amount to be paid will be visible on the payments page of Indiaexims when you are selecting your EMI plan.
You can track your Indiaexims Pay Later (EMI) usage and transactions on the Indiaexims App by referring to the ‘View Usage’ section in the ‘Indiaexims Pay Later’ dashboard under ‘My Account’.
Yes, you may receive an OTP on your registered mobile number which you would need to enter to authorise the transaction.
Yes. You can cancel / place a return request to your order by going to ‘My Orders’ and choosing the item you wish to cancel/return.
The cancellation / return policy may vary across different products and services.
Please cancel your order immediately by visiting ‘My Orders’ and choosing the item you wish to cancel. Please change your password, and contact our customer support for securing your account. Please raise a support ticket through Indiaexims ‘Help Centre’ immediately at
Yes, with effect from March 1st 2023, a revised Usage Fees based on your assigned Indiaexims Pay Later limit and your usage in that month will be applicable on your Indiaexims Pay Later Account.
Please note: No usage Fee will be charged on a usage of Rs. 100 or below, in a given month.
Usage Fees is applied in next month’s bill. For example, for the transactions that you have done using your Indiaexims Pay Later Limit in the month of April, 2023, the Usage Fees corresponding to that month will reflect in the bill generated on May 01, 2023.
This will include only Pay Later limit usage. EMI and Indiaexims Smart Upgrade will not be added towards calculation of Usage Fees.
For more on usage fee, please refer to the section on Usage Fee below
You will get a single, unified bill that will contain your Pay Later as well as your EMI dues. The total amount due will be calculated on the 1st of the subsequent month and will be payable by the 5th of the same month.
You will receive Email / SMS / app notifications about the amount due and a payment link on the 1st of the calendar month.
You can see this information in the My Account section. The due date is the 5th of the month, effective 1st October 2020.
Your past EMIs will continue to get added in the subsequent bills as per their schedule. To continue using Pay Later services, please repay all your remaining EMI dues.
You can pay your bill by clicking on the payment link received along with the Email/SMS notification sent to you by Indiaexims.
You can also view your bill and make the payment from the ‘Indiaexims Pay Later’ section under ‘My Account’ on the Indiaexims website, mobile site, Android, or iOS app.
We currently support bill payment for Indiaexims Pay Later through UPI / Debit Card.
No, we do not support payment bills using cash / EMIs / credit cards.
No, the bill can be paid only using the methods mentioned above.
Yes! August 2023 onwards, customers who are delinquent on Indiaexims will be allowed to clear off their dues by paying the overdue amount partially.
Customers can pay any amount starting from the minimum due amount to total overdue amount. Minimum overdue amount is calculated depending on the customer’s overdue amount, delinquency status.
Partial payments help customers in clearing off their due, if the customer pays the complete amount of their oldest pending dues, it helps in bringing down the delinquency bucket of the customer.
Clearing Pay Later and EMI dues separately will not be possible. Once a bill is generated, we encourage you to pay the full outstanding amount.
Yes, you can pay for the unbilled transactions at any time during the month .
No, we don’t support changes to the bill date or due date at this time. The bills will continue to be generated on the 1st of the month, with the 5th as the due date.
Don’t worry. In case you missed the first communication, we will send you multiple reminders before the due date so that you have sufficient time to clear your dues. Alternatively, You can always visit You can see this information in the My Account section. The due date is the 5th of the month, effective 1st October 2020.
Your past EMIs will continue to get added in the subsequent bills as per their schedule. To continue using Pay Later services, please repay all your remaining EMI dues.
You can pay your bill by clicking on the payment link received along with the Email/SMS notification sent to you by Indiaexims.
You can also view your bill and make the payment from the ‘Indiaexims Pay Later’ section under ‘My Account’ on the Indiaexims website, mobile site, Android, or iOS app.
We currently support bill payment for Indiaexims Pay Later through UPI / Debit Card.
No, we do not support payment bills using cash / EMIs / credit cards.
No, the bill can be paid only using the methods mentioned above.
Yes! August 2023 onwards, customers who are delinquent on Indiaexims will be allowed to clear off their dues by paying the overdue amount partially.
Customers can pay any amount starting from the minimum due amount to total overdue amount. Minimum overdue amount is calculated depending on the customer’s overdue amount, delinquency status.
Partial payments help customers in clearing off their due, if the customer pays the complete amount of their oldest pending dues, it helps in bringing down the delinquency bucket of the customer.
Clearing Pay Later and EMI dues separately will not be possible. Once a bill is generated, we encourage you to pay the full outstanding amount.
Yes, you can pay for the unbilled transactions at any time during the month .
No, we don’t support changes to the bill date or due date at this time. The bills will continue to be generated on the 1st of the month, with the 5th as the due date.
Don’t worry. In case you missed the first communication, we will send you multiple reminders before the due date so that you have sufficient time to clear your dues. Alternatively, You can always visit
the ‘My Accounts’ section on your Indiaexims app and click ‘Pay Now’ in the Indiaexims Pay Later section in order to clear your dues.
A penalty of as per partners of the outstanding due, levied on a monthly basis. The penalty will be calculated on the outstanding due as on the 5th of the month.
*charges are exclusive of applicable taxes
Please note that this might change in the future which will be duly communicated to you.
Any outstanding due as of the 5th of the month will lead to a late payment charge as described above. Further delays in payment may lead to deactivation of the Indiaexims Pay Later and EMI account and suspension of any further purchases on www.indiaexims.com , Indiaexims Mobile apps, Indiaexims mobile site, and any other merchants that support Indiaexims Pay Later.
Legal action may also be initiated by our Financing Partner against delinquent customers. The Financing Partner will also report the non-payment of the loan to the relevant credit information bureau(s). This will adversely affect your ability to borrow in the future. Therefore, we encourage you to clear your dues on time
Foreclosure is a capability which enables you to close the loan early by paying the complete Foreclosure amount. Once the complete payment of Foreclosure amount is done, the loan is closed
Yes, you can foreclose your EMI loans by reaching out to the customer support team of the lender and paying the foreclosure amount as suggested by the lender customer support team. The customers can also reach out to the Indiaexims customer support team, that will in turn guide them to reach out to Lender support team.
If you are Foreclosing your EMI loan within the cool-off period then there will not be any charges. If you are foreclosing your EMI loan outside of the cool-off period then a charge of 3.39% of your unbilled principal outstanding amount will be applicable. This is exclusive of GST. There are no charges for Buy Now Pay Later foreclosure. These charges are subject to change as per changes in lender pricing policy and T&Cs changes.
A cooling off period is a time window in which a customer will not be charged any Foreclosure Fee for Foreclosing. It is currently 3 days from the day of transaction, but this is subject to policy & T&Cs.
You can foreclose your EMI loans by reaching out to the customer support team of the lender and paying the foreclosure amount as suggested by the lender customer support team. The customers can also reach out to the Indiaexims customer support team, that will in turn guide them to reach out to Lender support team.
You can reach out to the customer support of the lender for the refund of the amount in such scenarios.
It may take up to 3-5 business days to process the request. However, in some cases it may take longer.
The lender calculates your Foreclosure amount based on your principal outstanding, proportionate interest rate, and any fees/charges etc. as applicable. This will be inclusive of GST.
You can do so by reaching out to the customer support team of Indiaexims. For closing your BNPL account, you will need to make sure that there are no outstanding dues either BNPL or EMI or FSUP for your Indiaexims Pay Later account.
The amount will be automatically credited back to your credit limit on the same working day. Please contact us if it is not credited even after 24 hours.
Your Pay Later/EMI limit will be restored in case of a cancellation or return. Your pending EMI dues will be adjusted with the refunded amount and the same will get reflected in your bill.
However, please note that there will be no refund to your bank account given the payment was deducted using your Pay Later/EMI limit only.
Once your refund has been processed successfully, your due amount will be automatically updated if you haven’t paid the bill already. After that, you will need to pay the adjusted due amount only.
If the bill has already been paid, any refund amount will be credited back to the payment mode used for bill payment, subjected to the product’s return & cancelation policy and the normal refund timelines.
In case you have already paid an EMI installment, the excess amount collected will be refunded back to your bank account.
Please pay the total bill amount before the due date. When your return request is approved by the respective seller, a refund will be initiated to the payment mode used to pay the bill. Penalty charges, if any, will not be refunded or adjusted. Hence, we request you to clear your dues on time.
With Indiaexims Smart Upgrade Plan, you can now buy a product by paying just a fraction of the cost upfront (Say 70%).
After the plan duration, you have two options:
The Indiaexims Smart Upgrade Plan is offered as a credit construct on your Indiaexims Pay Later account. You can initiate the KYC journey from the product page where Indiaexims Smart Upgrade is eligible. You can also directly apply for Indiaexims Pay Later to get Indiaexims Smart Upgrade.
Selected Indiaexims Pay Later users are eligible for Indiaexims Smart Upgrade. The eligibility for Indiaexims Smart Upgrade is determined based on the conditions of our financial partner.
You can see if you are eligible for Indiaexims Smart Upgrade by applying for Indiaexims Pay Later. If you are already a Indiaexims Pay Later user and are eligible for Indiaexims Smart Upgrade, you can see the credit limit approved for Indiaexims Smart Upgrade on your Indiaexims Pay Later Passbook under My Accounts on app.
When you are viewing a product on Indiaexims, you will be able to see the option to purchase the product with Smart Upgrade on the Product Page. You can follow the steps there to select the plan, confirm and make your purchase.
There is a nominal fee associated with the Plan. This fee is visible on the plan details for the product, and varies for the products. You will not need to pay any interest/usage charges on Indiaexims Smart Upgrade Plan.
Indiaexims Smart Upgrade offers three plan durations – 12 months, 18 months & 24 months. However, this varies from product to product. Available plan durations will be displayed on the product page.
Indiaexims Smart Upgrade Plans are available on a large selection of products across Mobiles, Laptops, TVs, Refrigerators, Washing Machines & Tablets. You can see if a Smart Upgrade plan is available on the Product Page of the products you are considering to purchase.
The list of customers eligible for Smart Upgrade is refreshed from time to time. Hence you might not be able to see the same anymore as you are no longer eligible for the same.
You can visit the Indiaexims Smart Upgrade Plan on the Plan details page that is visible on any product eligible for Indiaexims Smart Upgrade.
You can check the repayment due date of your Smart Upgrade plan on the Plan Details Section from My Orders.
At the end of plan duration, you will be able to redeem the Indiaexims Smart Upgrade Plan value by purchasing another device on Indiaexims sold by select sellers. If you wish to exchange your device, at the time of purchase of your next device, you simply opt for ‘Claim Indiaexims Smart Upgrade/Claim Buyback’ on the product page. Post your order placement, the wishmaster will take back your old device and handover your new device. Your old device should fulfil the checks performed during pickup.
At the end of plan duration, you will be able to make a payment by visiting the My Account or My Orders section on Indiaexims platform
Bharat Bill Payment System also known as “BBPS” is an integrated bill payment system in India. To know more about it, please visit the BBPS website To know more about its procedural guidelines, please visit
You can check the Transaction History section on the Bill Payment Home page for the final status of your payment. You can navigate to the Bill Payment Homepage by clicking on Credit > Bill Payments from the Indiaexims Home Page.
Bill Payment transactions are usually instant and you’ll get a confirmation from your service provider over SMS after payment is completed. However, in rare cases it may take upto 48 hours for confirmation of payment from the service provider. After the payment is completed you may see the bill payment status as pending on the Indiaexims app which means we’re waiting for confirmation from the service provider.
In case the payment status is still pending after 48 hours, you can raise a ticket by tapping on the relevant payment from Transaction History on the Bill Payment Home page and clicking on “Contact Support” option.
Your service provider may take upto 72 hours to update the status of your bill post successful bill payment. Please wait for the final status to reflect against your bill.
In case the payment status is still pending after 72 hours, you can raise a ticket by tapping on the relevant payment from Transaction History on the Bill Payment Home page and clicking on “Contact Support” option.
In case your payment status is “Failed”, your bill payment has not been accepted by the service provider. In case the amount is debited from Your Pay Later balance will be restored to the previous limit. You can retry the payment from the Indiaexims app.
You can use Indiaexims Pay Later as payment modes for your bill payment. Other modes of payment are not allowed currently.
No, currently this option is not available.
Your bill payment transactions will be included in your Indiaexims Pay Later bill which will be generated on the 1st of the next month with a due date of 5th.
There are no extra charges to be paid apart from the bill amount (which may include any extra charges that the service provider has included such as Late Payment charge). However, the usual usage fee for Pay Later will apply.
Yes, you can pay for any bill by providing the correct input details.
This is because the merchant has not listed themselves on Bharat Bill Pay Services.
If you’ve mistakenly paid twice for any bill, usually the service provider would adjust the extra amount in the next billing cycle. However, please confirm the same with your service provider.
No you can’t cancel your bill payment once the payment is made.
In case you want assistance in understanding the bill amount you can connect with your service provider directly.
In case you’re facing a payment related issue, you can raise a ticket by tapping on the relevant payment from Transaction History on the Bill Payment Home page and clicking on “Contact Support” option. The ticket will be responded to within 72 hours.
You can check all of your previous tickets from the “View Tickets” section on the Bill Payment Home page. You can navigate to Bill Payment Home Page by clicking on Credit > Bill Payments from Indiaexims Home Page.
In case the ticket is not resolved within 72 hours, please contact Indiaexims customer care for further assistance.
In case you are unable to raise a ticket for your issue due to any technical problems, please contact Indiaexims customer care for further assistance. You can reach Indiaexims Customer Care at +919821-59-2552
In case you want to dispute the resolution provided on the ticket, please contact Indiaexims customer care for further assistance.
Usage Fees is the amount that is charged on a monthly basis, based on your Indiaexims Pay Later limit and usage for the month. With effect from March 1st 2023, a revised Usage Fees based on your assigned Indiaexims Pay Later limit and your usage in that month will be applicable on your Indiaexims Pay Later Account.
Please note: No usage Fee will be charged on a usage of Rs. 100 or below, in a given month.Usage Fees is applied in next month’s bill. For example, for the transactions that you have done using your Indiaexims Pay Later Limit in the month of April, 2023, the Usage Fees corresponding to that month will reflect in the bill generated on May 01, 2023.
Please Note : Usage Fee will be charged on a monthly basis and not per transaction. Also, Usage fee will be rounded off to the nearest integer.
This will include only Pay Later limit usage, EMI and Indiaexims Smart Upgrade will not be added towards calculation of usage fee. No fee will be charged if you do not utilize the limit in any given month.
*Fee is exclusive of GST
The Usage Fees will be calculated on a monthly basis and not per transaction, based on your assigned Indiaexims Pay Later limit and usage in that month. A customer can do unlimited transactions in the month.
Yes, if you have paid back your dues inclusive of the Usage Fees, and after the cancellation / returns the net effective dues for the month become zero then the Usage Fees will be refunded back to the source of the payback.
The amount will be added to your bill, and will be payable whenever you are making a payment. The usage fees would be added to your monthly usage amount directly.
The amount will be payable either along with your bill or whenever you choose to pay your dues.
No, Only the billing month’s usage is considered while calculating the usage fee.
No, Only the billing month’s usage is considered while calculating the usage fee.
No, Only the billing month’s usage is considered while calculating the usage fee. However, if the usage fee was added to your bill, it will need to be paid along with the bill.
A Processing Fee is a one time fee which is levied by the Financing Partner towards each Indiaexims Pay Later EMI transaction. Details of Processing Fees will be contained in your monthly statement.
A Processing Fee is a nominal one time fee which is levied by the Financing Partner towards each Indiaexims Pay Later EMI transaction, to cover the sanctioning and processing of the loan.. Details of Processing Fees will be contained in your monthly statement.
The processing fee levied on your Indiaexims EMI transaction will be as per below. This amount will be levied on each EMI transaction and will be visible in your subsequent bill.
No, the Processing Fee would not be refunded post purchase on partial cancellation. The Fee will only be refunded in the event of a complete cancellation of all the items in the cart.
Your Indiaexims Pay Later account can be blocked due to multiple reasons:
No, the Processing Fee would not be refunded post purchase on partial cancellation. The Fee will only be refunded in the event of a complete cancellation of all the items in the cart.
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