EMI Option with 0 down payment and 0% interest

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


  • 0% interest

  • Instant online approval in seconds

  • No Credit Cards/ CIBIL score required

  • Anyone with a Salary Account with Netbanking can apply

  • Please click here and fill the loan activation date to know the EMI amount.

  • Zero Down Payment


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

  • 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:
  • 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)

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

  • 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 0% interest and instant approval process.

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

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

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

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

  • 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.

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


EMI Payment Plan for Semester 1
  • On approval of the EMI facility, applicants need to deposit the Processing Fee as first month payment to Zest Money.

  • 5 EMIs will be payable on a monthly basis.

  • For the refundable interest amount please click here and enter the loan activation date.
    Cashback amount shown in the EMI calculator would be refunded back in your bank account.

EMI Payment Plan for Semester 2 onwards

  • At the beginning of Semester 2 (and subsequent semesters), students will need to submit the semester fee.

  • On approval of the EMI facility, applicants need to deposit the Processing Fee as first month payment to Zest Money.

  • 5 EMIs will be payable on a monthly basis

Please note:
  • The EMI plans detailed herein are based on interest rates and charges levied by Zest as on Jan 2023. Interest rates are subject to change in subsequent semesters, and applicants desiring to avail of the EMI facility offered by Zest are advised to check prevailing rates at the time of seeking EMI facility from Zest..
  • All loans are subject to approval by Zest.

Disclaimer: BITS Pilani works with several FinTech partners and the FinTech partner Semester 2 onwards will be at the discretion of the institution.