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EMI Option

Instant EMI option, is an easy and convenient way to pay your programme fee

Highlights:
  • Instant online approval in seconds

  • No Credit Cards/ CIBIL score required

  • Easy & Secure online process using Aadhaar and PAN number

  • Anyone with a Salary Account with Netbanking can apply

  • Special interest rate for BITS Pilani WILP applicants

  • Pay fee in easy installments of INR 11,008 p.m. for the First Semester, and only INR 8,170 p.m. for subsequent Semesters

How to Apply for EMI Option
  1. The facility to pay fee through EMIs is currently available to Indian Nationals only.

  2. To apply for EMI option, applicants need to have:

    • Aadhaar Card, PAN Card, and a mobile number linked to the Aadhaar Card

    • Salary Account with a bank, along with Netbanking access

Please follow the steps below to apply of EMI option:
  1. Submit completed application to the programme of your choice (For application instructions and programme fee structure, please refer to the programme brochure or the programme page on the website.)

  2. On receipt of the Admission Offer Letter, you will be provided with 2 payment options: ‘Pay on your own’, OR ‘Pay using EMI option’

  3. If you choose ‘Pay using EMI option’, the system will connect you to ‘Zest Money’ platform who have partnered with BITS Pilani to offer EMI facility to applicants at very special interest rates and instant approval process.

  4. The platform will prompt you to enter your Aadhaar Card Number. You will then be redirected to the Aadhaar authentication website for OTP verification.

  5. Upon OTP verification, you will be prompted to enter your PAN number and confirm your Permanent and Current address.

  6. Next, you will be asked to provide name of your Employer, monthly income and estimated monthly expenses.

  7. You will then be asked to provide name of bank, which has your Salary Account.

  8. The system will then auto-redirect you to your bank’s Netbanking login page, and prompt you to login to your Salary Account and enter the IFSC code. This will trigger an automated background verification process, which generally takes only a few seconds to complete and give the approval status.

  9. If approved, the system will then ask your permission to deduct EMIs from your salary account.

EMI Payment Plan for Semester 1
  1. On approval of the EMI facility, applicants need to deposit 20% of the fee payable (Admission Fee + Semester Fee) as down payment, and the Processing Fee as first month payment to Zest Money.

  2. 5 EMIs will be payable on a monthly basis.

  3. The following payment schedule will apply to new admissions:

  4. Month 0 Month 1 Month 2 Month 3 Month 4 Month 5
    Down Payment INR 12,800 - - - - -
    Processing Fee (incl. taxes)* INR 294 - - - - -
    Installment - INR 11,008 INR 11,008 INR 11,008 INR 11,008 INR 11,008
    Total (incl.taxes) INR 13,094 INR 11,008 INR 11,008 INR 11,008 INR 11,008 INR 11,008

    * For detailed programme fee structure, please refer to the Programme brochure, or the program page on the website.

EMI Payment Plan for Semester 2 onwards
  1. At the beginning of Semester 2 (and subsequent semesters), students will need to submit the semester fee.

  2. On approval of the EMI facility, applicants need to deposit 20% of the fee payable (Semester Fee) as down payment, and the processing fee as first month payment to Zest Money.

  3. 5 EMIs will be payable on a monthly basis.

  4. The following payment schedule will apply for Semester 2 onwards:

  5. Month 0 Month 1 Month 2 Month 3 Month 4 Month 5
    Down Payment INR 9,500 - - - - -
    Processing Fee (incl. taxes) INR 294 - - - - -
    Installment - INR 8,170 INR 8,170 INR 8,170 INR 8,170 INR 8,170
    Total (incl. taxes) INR 9,794 INR 8,170 INR 8,170 INR 8,170 INR 8,170 INR 8,170

To begin your application for degree programmes for working professionals, please click here.

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