0 % EMI Option

Interest-free, 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

  • 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 instalments of INR 4200 p.m. for the First Semester


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 Net banking 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 login to zestmoney portal. Login with your registered mobile number and email id with BITS.

  • Next, you will be asked for profile details where you need to enter your name, Aadhar card number, PAN number and current address.

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

  • Next, you will be asked to enter your Aadhaar Card Number. You will then be redirected to the Aadhaar authentication website for OTP verification.

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

  • The system will then auto-redirect you to complete the repayment set up, kindly provide the details mentioned there.

  • Next, you will land on the page where it shows upload additional documents, kindly click there and upload your offer letter (if you do not have offer letter, kindly upload last 3 months salary slip), co-applicant bank statement, co-applicant relationship proof document, PAN of co-applicant, undertaking form with signatures of both applicant and co-applicant. (co-applicant should be a blood relative of the student)

  • Kindly also fill this form and upload Co-Applicant Form

  • 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 40% of the fee payable (Admission Fee + Semester Fee) as down payment, and the Processing Fee as first month payment to Zest Money.

  • 5 EMIs will be payable on a monthly basis.

  • Please note that a refundable interest amount INR 317 p.m. will be charged every month, which will be returned to the applicant’s bank account within 5-7 days.

  • The following payment schedule will apply to new admissions:

EMI plan for Semester 1 (Fees – INR 35,000)

  Month 0 Month 1 Month 2 Month 3 Month 4 Month 5
Down Payment INR 14,000 - - - - -
Processing Fee (incl. taxes)* INR 278 - - - - -
Instalment - INR 4,200 INR 4,200 INR 4,200 INR 4,200 INR 4,200
Total (incl.taxes) INR 14,278 INR 4,200 INR 4,200 INR 4,200 INR 4,200 INR 4,200

* For detailed programme fee structure, please refer to the Programme Brochure.