> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Tutorial - How to Create No Cost EMI Offers

> Let us create an offer from the Dashboard using an example.

Assume you are the manager of Acme Mobiles and Accessories, an online smartphone store. You want to provide discounts on online purchases to attract customers and increase sales.

You want to create a Diwali Offer with the following settings:

## Offer Criteria | Offer Information

## Offer Name | Diwali Dhamaka - No Cost EMI

## Display Text | No Cost EMI Offers

## Offer Type | Instant

## Minimum Order Amount | ₹3,000

## Maximum Order Amount | ₹4,00,000

## Issuing Bank | HDFC Bank

EMI Tenures | 3, 6 and 9 months

Let us create this offer.

## Create No Cost EMI Offers

To create No Cost EMI offers:

<Steps>
  <Step title="Step 1">
    Log in to the Dashboard.
  </Step>

  <Step title="Step 2">
    Navigate to **Offers** and click **+ Create No & Low Cost EMI**.
  </Step>

  <Step title="Step 3">
    The **Create an Offer** wizard appears with the following four sections. Enter details in all these sections for the offer to be created:

    * [**Description**](#description)
    * [**Discount Type**](#discount-type)
    * [**Applicable On**](#applicable-on)
    * [**Offer Validity**](#offer-validity)
  </Step>
</Steps>

You can review the offer configurations at the end under the [**Overview**](#overview) tab.

### Description

In the **Description** section, enter the following details. All the fields are mandatory.

<Steps>
  <Step title="Step 1">
    **Offer Name**: Enter the name of the offer. For example, **Diwali Dhamaka**.
  </Step>

  <Step title="Step 2">
    **Display Text**: Enter a meaningful description for the offer. For example, **No Cost EMI Offer**. This appears at the Checkout.
  </Step>

  <Step title="Step 3">
    **Terms**: Enter the terms and conditions for the offer.
  </Step>

  <Step title="Step 4">
    Click **Next**.
  </Step>
</Steps>

### Discount Type

In the **Discount Type** section, enter the discount details that should be applied for the offer.

<Steps>
  <Step title="Step 1">
    **Minimum Order amount**: Enter the minimum bill amount for which the No Cost EMI offer can be applied. For example, a customer must purchase an article of at least **₹3,000** to avail No Cost EMI. This is a mandatory field.
  </Step>

  <Step title="Step 2">
    **Maximum Order amount**: Enter the maximum bill amount for which the No Cost EMI offer can be applied. For example, customers can avail of a No Cost EMI if they purchase a phone of a maximum worth **₹4,00,000**.
  </Step>

  <Step title="Step 3">
    Click **Next**.
  </Step>
</Steps>

### Applicable On

In the **Applicable On** tab, fill in the following details:

<Steps>
  <Step title="Step 1">
    **Issuer**: Select the bank that will be issuing the No Cost EMI. For example, `HDFC Bank`.
  </Step>

  <Step title="Step 2">
    **EMI Tenure**: Select the tenure to be listed at the Checkout. For this example, we will select 3, 6 and 9 months as the supported tenures.
  </Step>

  <Step title="Step 3">
    **EMI Offer Type**: Select **No Cost EMI** from the drop-down list. This also displays the discount that you will bear.
  </Step>

  <Step title="Step 4">
    Click **Next**.
  </Step>
</Steps>

### Offer Validity

Under the **Offer Validity** tab, set how long the offer should be valid and how you want to handle the payment failure situations:

<Steps>
  <Step title="Step 1">
    **Starting On**: Select the **Starts Immediately** check box for the offer to come into effect immediately.
  </Step>

  <Step title="Step 2">
    **Expires On**: Select the date and time at which the offer should end. For example, **31 Oct 2020** at **11:59pm**.
  </Step>

  <Step title="Step 3">
    **On Payment Failure**: Define how to handle payment failure.

    * **Do not allow payment to go through**: The payment is failed.
    * **Allow customer to pay without availing offer**: The payment is allowed even though the set validations are not met. However, the offer is not applied to the bill amount. The customer will be charged the entire order amount.
  </Step>
</Steps>

We will allow payments to go through without an offer being availed.
4\. **Max Usage**: Set the number of times the offer should be applied across all transactions. For example, **100**.
5\. **Show Offer on Checkout**: Select this check box for the created offer to be displayed for all Standard Checkout payments including [Payment Links](/payments/payment-links).
6\. Click **Next**.

### Overview

Click the **Overview** tab to view the offer summary you just created.

1. **Terms and Conditions**: Select the check box after you have read the disclaimer.
2. Click **Create EMI Offer**.

By default, all the created offers are in the **enabled** state.

## Integrate No Cost EMI Offer with Standard Checkout

After the offer is created, you should integrate it with Checkout so that customers can avail discounts while making payments. Know more about [integrating offers with Standard Checkout](/payments/offers/no-cost-emi/standard-integration).

### Related Information

* [About No Cost EMI Offers](/payments/offers/no-cost-emi)
* [No Cost EMI FAQs](/payments/offers/low-cost-emi/faqs)
* [EMI² Suite](https://razorpay.com/docs/build/llm-docs/payments/payment-gateway/emi².md)