> ## 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.

# EMI by Razorpay

> Using Razorpay POS, you can let your customers use EMI as a payment method to buy various products on EMI using their cards without paying the entire amount immediately. Razorpay supports EMIs on cards issued by major banks.

## Supported Banks for EMIs

Given below is a list of banks or networks that support EMIs.

## Code | Issuer Bank/Network  | Minimum Amount (in INR) | 3 months | 6 months | 9 months | 12 months | 18 months | 24 months | 36 months

## AUBL | AU Bank | 2000 | 16% | 16% | 16% | 16% | 16% | 16% | NA

## UTIB | Axis Bank | 3000 | 16% | 16% | 16% | 16% | 16% | 16% | NA

## CITI | Citibank | 3000 | 16% | 16% | 16% | 16% | 16% | 16% | NA

## BARB | Bank of Baroda | 3000 | 16% | 16% | 16% | 16% | 16% | 16% | NA

## HDFC | HDFC Bank | 1000 | 20% | 20% | 20% | 20% | 20% | 20% | NA

## HSBC | HSBC Bank | 2000 | 13% | 13% | 14.50% | 14.50% | 15% | 15% | NA

## INDB | IndusInd Bank | 3000 | 14% | 14% | 15% | 15% | 15% | 15% | 15%

## RATN | RBL Bank | 3000 | 13% | 14% | 15% | 15% | 15% | 15% | NA

## YESB | Yes Bank | 1500 | 16% | 16% | 16% | 16% | 16% | 16% | NA

## SCBL | Standard Chartered | 3000 | 11.88% | 14% | 15% | 15% | 15% | 15% | NA

## JAKA | Jammu and Kashmir Bank | 2500 | 12% | 12% | 12.50% | 12.50% | 13% | 13% | NA

## ICIC | ICICI Bank | 1500 | 15.99% | 15.99% | 15.99% | 15.99% | 15.99% | 15.99% | NA

## KKBK | Kotak Mahindra Bank | 3000 | 16% | 16% | 16% | 16% | 16% | 16% | 16%

## SBIN | State Bank of India | 2500 | 16.50% | 15% | 15% | 15% | 16% | 16% | NA

## FDRL | Federal Bank | 2500 | 15.99% | 15.99% | 15.99% | 15.99% | 15.99% | 15.99% | NA

## CNRB | Canara Bank | 5000 | 13% | 13% | 13% | 14% | 14% | 14% | NA

## IDFC | IDFC Bank | 2500 | 16% | 15% | 15% | 16% | 16% | 16% | NA

Onecard | OneCard | 2500 |  16% | 16% | 16% | 16% | 16% | 16% | NA

## Code | Issuer Bank/Network  | Minimum Amount (in INR) | 3 months | 6 months | 9 months | 12 months | 18 months | 24 months | 36 months

## HDFC | HDFC Bank | 5000 | 20% | 20% | 20% | 20% | 20% | 20% | NA

## KKBK | Kotak Mahindra Bank | 3000 | 20.75% | 22% | 22% | 22% | NA | NA | NA

ICIC | ICICI Bank | 5000 | 16% | 16% | 16% | 16% | NA | NA | NA

## Code | Issuer Bank/Network

`muthootfinance` | Muthoot Finance

## Code | Issuer Bank/Network

## `hdfc` | FlexiPay by HDFC Bank

`lazypay` | Lazypay

## EMI by Razorpay Catalog (Brand EMI)

The EMI by Razorpay Catalog (Brand EMI) on POS simplifies the EMI transaction process by allowing easy discovery of No Cost EMI, Low Cost EMI, and other applicable offers on products.

Given below is a list of brands that support Brand EMIs.

## List of OEMs | State/Agent Code | Dealer Code | GSTIN No. | Distributor Code

## Aiwa  | ✖️ | ✖️ | ✖️ | ✖️

## Akai | ✖️ | ✖️ | ✖️ | ✖️

## Being Human | ✖️ | ✖️ | ✖️ | ✖️

## BenQ | ✖️ | ✖️ | ✖️ | ✖️

## Bluestar | ✖️ | ✅ | ✖️ | ✖️

## Bosch | ✖️ | ✅ | ✖️ | ✖️

## Canon | ✖️ | ✖️ | ✖️ | ✖️

## Crayon Motors | ✖️ | ✖️ | ✖️ | ✖️

## Daewoo | ✖️ | ✖️ | ✖️ | ✖️

## Diasun | ✖️ | ✖️ | ✖️ | ✖️

## ElanPro | ✖️ | ✖️ | ✖️ | ✖️

## Elista (Dealer code is optional) | ✖️ | ✅ | ✖️ | ✖️

## Evra Energy | ✖️ | ✖️ | ✖️ | ✖️

## Havells | ✖️ | ✅ | ✖️ | ✖️

## Infinix | ✖️ | ✅ | ✖️ | ✖️

## Itel | ✖️ | ✅ | ✖️ | ✖️

## Jajot | ✖️ | ✖️ | ✖️ | ✖️

## KICK EV | ✖️ | ✖️ | ✖️ | ✖️

## Lava | ✖️ | ✖️ | ✖️ | ✖️

## Lebu Electric | ✖️ | ✖️ | ✖️ | ✖️

## Leela-Eye Institute | ✖️ | ✖️ | ✖️ | ✖️

## Lloyd | ✖️ | ✅ | ✖️ | ✖️

## Lords Automative | ✖️ | ✖️ | ✖️ | ✖️

## Micromax | ✖️ | ✖️ | ✖️ | ✖️

## Next View | ✖️ | ✖️ | ✖️ | ✖️

## Nexzu mobility | ✖️ | ✖️ | ✖️ | ✖️

## Nokia | ✖️ | ✖️ | ✖️ | ✖️

## Oneiric | ✖️ | ✖️ | ✖️ | ✖️

## Oppo | ✅ | ✅ | ✖️ | ✖️

## Realme | ✖️ | ✅ | ✖️ | ✅

## Samsung | ✖️ | ✅ | ✖️ | ✖️

## Sansui | ✖️ | ✖️ | ✖️ | ✖️

## SENS | ✖️ | ✖️ | ✖️ | ✖️

## Sharp | ✖️ | ✅ | ✖️ | ✖️

## Siemens | ✖️ | ✅ | ✖️ | ✖️

## Suzuma | ✖️ | ✖️ | ✖️ | ✖️

## Symphony | ✖️ | ✖️ | ✖️ | ✖️

## Tecno | ✖️ | ✅ | ✖️ | ✖️

## Tejas | ✖️ | ✖️ | ✖️ | ✖️

## Vivo | ✅ | ✅ | ✖️ | ✖️

## Voltas | ✖️ | ✖️ | ✅ | ✖️

## Voltas BeKo | ✖️ | ✖️ | ✅ | ✖️

## Vsun | ✖️ | ✖️ | ✖️ | ✖️

## Xiaomi | ✖️ | ✅ | ✖️ | ✖️