EMI and Payment Policy

Last updated: July 19, 2026

1. General Payment Terms

Gadget N Gadget accepts cash, mobile banking, and major credit/debit cards. Please note that any card payment is subject to an additional 2% POS charge.

2. EMI Facilities

We offer Equated Monthly Installment (EMI) facilities for eligible credit card holders. The EMI tenure and associated processing charges are structured as follows:

6 Months EMI: 6% Charge
9 Months EMI: 9% Charge
12 Months EMI: 10% Charge
18 Months EMI: 15% Charge

Important Note on EMI: A standard 2% POS/Card charge is added on top of the respective EMI percentage charge.

3. Refunds on EMI and Card Payments

In the event of a product return or order cancellation, only the principal amount of the product will be refunded. Bank charges, EMI processing fees, and the 2% POS charges are non-refundable as they are deducted by the respective financial institutions.