MartOnline - Buy on easy EMIs

MartOnline has emerged as one of India's rapidly growing financing-led commerce platforms, dedicated to empowering local retailers and the Indian middle class with flexible financing options.

The platform facilitates access to consumer financing through a streamlined process:

1. Download the MartOnline app from the Play Store.
2. Grant the requested permissions, such as SMS access, which helps assess the user's creditworthiness and determine loan eligibility.
3. Complete the KYC process by clicking on the top banner.
4. Upload necessary documents including Aadhaar details, PAN card, and a selfie for CIBIL score verification.
5. Receive an instant loan limit based on your creditworthiness data.
6. Choose from two types of credit limits:
Pay Araam Se: Access up to INR 10,000 as an interest-free loan for 30 days. Spend within the month and repay before the 3rd of the following month. Pay Araam Se EMI: Obtain a loan up to INR 40,000 to shop at any of our network stores with flexible EMIs.

The EMI tenure varies from 3 to 12 months. For example, for a purchase of INR 40,000 over a 12-month EMI term, the costs are as follows:

• A processing fee of 2% plus GST
• 12 monthly installments of INR 3,899

This results in total interest payments of INR 6,794 over the course of one year.

The buy now, pay later and EMI facilities enable various purchasing options:

• Order groceries online using the Pay Araam Se buy now, pay later feature.
• Shop for any item at network stores through the Pay Araam Se EMI option.

For inquiries or disputes, please reach out via email at [email protected].