Consumer

Flexible finance
for your Future.

India's only truly flexible EMI. Pay what you want, when you want. Zero interest. Zero penalty. Works on any credit card you already own.

✓ Zero interest ✓ No CIBIL impact ✓ Any credit card ✓ No fixed schedule

Create my account → See how it works

🔒 Bank-level encryption No loan created CIBIL score safe

Your EMI, your rules

How much can you pay
this month?

Rs.100 Rs.3,000 Rs.10,000

Rs.3,000

paid this month · Rs.0 interest added · Rs.0 penalty

Product priceRs.10,000

Amount you pay this monthRs.3,000

Interest chargedRs.0

Penalty for any amountRs.0

Outstanding remainingRs.7,000

How it works

Three steps.
That is the whole thing.

No complicated approval process. No hidden steps. No surprises after you sign up.

Buy with your card

Pick any product at a FlexTenure merchant. Your credit card is charged the product price only. You get the product on Day 1. No approval. No CIBIL check. No new account.

FlexTenure manages the cycle

The platform handles billing automatically each month using your existing card. You get a notification 3 days before any debit. No surprises. Full visibility in the app at all times.

Pay what you can, when you can

Rs.5,000 one month. Rs.200 the next. Zero if it is a tight month. Zero interest charged. Zero penalty applied. Your balance reduces exactly by what you paid. Tenure extends, not penalises.

🔒 No loan is created. Nothing is reported to CIBIL. Your credit score is completely unaffected by using FlexTenure.

Features

Everything your bank's
EMI cannot offer you.

Every item on this list is something no bank EMI or BNPL product in India currently gives you.

📅

Pay any amount, any month

Rs.200 or Rs.5,000. You decide every single month. No bank telling you what the minimum is. No fixed schedule forcing you into a corner.

₹

Zero interest. Actually zero.

Not "zero interest but processing fee." Not "zero interest if paid on time." Zero interest. The product price is all you ever pay. Nothing more.

🔒

No CIBIL impact. Ever.

FlexTenure never creates a loan. Nothing is reported to any credit bureau. Your CIBIL score is completely safe, whether you pay every month or skip one.

💳

Works on your existing card

HDFC, ICICI, Axis, SBI, Kotak, Yes Bank. Any credit card you already carry. No new card application. No waiting for approval. Start today.

⏰

Tenure extends, never penalises

Tight month and paid nothing? Tenure extends by one month. No late fee. No penalty charge. No collections call. The cycle simply continues.

📱

Full control in the app

Outstanding balance, payment history, upcoming debit dates. One clean dashboard. Know exactly where you stand, every single day.

Comparison

No-cost EMI is not free.
Here is what you are actually paying.

Every EMI product in India has a hidden cost. FlexTenure is the only one that does not.

FlexTenure

Bank EMI

No-Cost EMI

BNPL Apps

Interest paid

Zero

13% to 24% per year

You lose your discount

18% to 36% per year

Flexible payment amount

Yes. You choose.

No. Fixed.

Penalty for missing

None. Tenure extends.

Late fee + CIBIL hit

High late fee

CIBIL impact

None. No loan.

Yes. Loan on record.

Yes.

Works on any card

Yes. Any card.

Only that bank's card

Partner banks only

Separate app + KYC

Why people switch

Built for people
the bank said no to.

₹0

Interest paid by any FlexTenure consumer. Ever.

CIBIL entries created across all transactions

Any

Credit card accepted. If you have one, it works.

I paid Rs.300 one month when things were tight. Nothing happened. No call, no penalty, no CIBIL hit. I have never had that with any bank EMI.

Rahul M. · Software Engineer, Pune

My income is irregular. No bank would approve me for EMI. FlexTenure just needed my credit card. Bought a laptop, paying it off on my own schedule.

Priya S. · Freelance Designer, Pune

FAQ

Questions you
probably have.

Is there really zero interest? What is the catch? ▼

No catch. FlexTenure is not a loan product. It uses a security deposit and a monthly subscription structure. Nobody pays interest because no interest is charged anywhere in the model. The product price you pay on Day 1 is the only amount you ever pay for the product.

What happens if I pay nothing one month? ▼

Nothing bad. Your balance stays the same. Your tenure extends by one month. No penalty is charged. No fee is added. No call is made. The cycle simply continues from the next month.

Will this affect my CIBIL score? ▼

No. FlexTenure does not create a loan. Nothing is reported to any credit bureau. Your CIBIL score is completely unaffected by using FlexTenure, whether you pay every month or not.

Why is a debit made from my card each month? ▼

That is the FlexTenure billing cycle. The platform debits an amount the day after your credit card bill is generated. This is used as merchant working capital and flows back through the payment system when you pay your EMI. You receive a notification 3 days before every debit.

Which credit cards work with FlexTenure? ▼

Any credit card issued by any bank in India. HDFC, ICICI, Axis, SBI, Kotak, Yes Bank, and all others. If you have a valid credit card, FlexTenure works with it.

Buy what you want.
Pay on your terms.

Use the credit card you already have. Pay what you can, when you can. That is the whole deal.

Create my account → Sign in

No credit check · No new account · No interest · Works on any credit card you already own

For merchants

Stop paying Bajaj
Rs.4,000 per sale
in interest.

Every no-cost EMI transaction costs you thousands in hidden bank charges. FlexTenure gives you working capital instead of taking it.

✓ Rs.200/month vs Rs.4,000 per sale ✓ Double working capital Day 1 ✓ Any card, any customer ✓ 90-day free pilot

Start 90-day free pilot → See how it works

No bank paperwork No collateral Platform manages all billing

Cost comparison per transaction

What you pay today
vs what you pay with FlexTenure

No-cost EMI bank interest subsidy (Rs.50,000 TV, 6 months)

Rs.3,200 to Rs.4,000

paid upfront to the bank, per transaction

FlexTenure card processing charge (per active consumer per month)

Rs.200 / month

2% on Rs.10,000 Pool 2 debit = Rs.200

Working capital you hold with FlexTenure

Rs.20,000

per active consumer from Day 1

Working capital with bank no-cost EMI

Rs.0

you pay the bank, not the other way

▼ You save Rs.3,800+ per transaction and gain Rs.20,000 working capital per consumer.

How it works for your store

Three things happen.
You benefit from all three.

No complicated setup. No long bank approvals. Start with a 90-day free pilot in one store.

Customer buys. You get paid double.

Customer selects a product. Their card is charged the product price (Pool 1). That amount goes to you immediately as a security deposit. You receive double the product value from Day 1.

Hold Rs.20,000 working capital every month.

Each month, a fresh Rs.10,000 (Pool 2) is debited to the customer's card and flows to you. You hold Rs.20,000 total for approximately 19 days as working capital. Cost: Rs.200 per month.

Customer pays EMI. Platform handles everything.

The FlexTenure platform manages all billing, reconciliation, and settlement automatically. EMI payments recover the product cost for you. You never manually calculate or manage individual transactions.

✓ The merchant can never lose money. Pool 1 always equals or exceeds what the customer still owes. If a customer pays nothing, you hold their full outstanding balance as security.

Merchant advantages

Every advantage.
Zero compromises.

📈

Double working capital from Day 1

Receive double the product value on the day of sale. Use that capital to stock inventory, pay vendors, or run operations. No bank approval. No collateral.

💰

Rs.200 per month. Not Rs.4,000 per sale.

The card processing charge is Rs.200 per month per active consumer. Compare that to the Rs.3,000 to Rs.4,000 you currently pay Bajaj per no-cost EMI transaction.

✅

Every customer. Every card.

Bajaj needs their specific card. FlexTenure works on any credit card your customer already carries. More customers eligible. More sales closed at the counter.

📱

Platform manages all billing

FlexTenure's platform tracks billing dates, triggers debits, manages settlement, and provides monthly reconciliation reports. Zero manual work for your staff.

📋

Zero risk on non-payment

Pool 1 always covers the customer's outstanding balance. If a customer pays nothing for their entire tenure, you still hold their full product cost as a security deposit.

🚀

90-day free pilot to start

One store. Three months. Zero cost during pilot. If it does not work for your business, you walk away. No commitment beyond the 90-day trial period.

The numbers

What Bajaj costs you.
What FlexTenure saves you.

Rs.200

Per month per consumer. That is your total FlexTenure cost.

Rs.20,000

Working capital you hold per active FlexTenure consumer.

Any card

Every customer with a credit card can use FlexTenure at your store.

We were paying Bajaj Rs.3,500 per transaction on every large appliance sale. FlexTenure cut that to Rs.200 a month and gave us capital we actually use to buy more stock.

Store owner · Electronics retailer, Koregaon Park, Pune

Two customers last month did not have a Bajaj card. They had HDFC and Axis cards. FlexTenure worked with both. We closed two sales we would have lost.

Store owner · Mobile and accessories, Viman Nagar, Pune

Merchant FAQ

Questions you
probably have.

We already have Bajaj EMI. Why add FlexTenure? ▼

Bajaj requires their specific card. FlexTenure works on any credit card your customer already carries. You are not replacing Bajaj. You are capturing every customer who does not have a Bajaj card or does not qualify for their approval.

What if the customer never pays their EMI? ▼

Pool 1 always equals or exceeds the customer's outstanding balance. If a customer pays nothing for their entire tenure, their outstanding is Rs.10,000 and you hold Rs.10,000. You cannot lose money. You are always fully covered.

What exactly is the Rs.200 per month charge? ▼

The card processing charge is 2% on the Rs.10,000 Pool 2 debit that happens each month. That is Rs.200 per month in absolute terms. On the Rs.20,000 total you hold, it is 1% effective per month. This is the card infrastructure cost, not a FlexTenure platform fee. The platform subscription is billed separately.

Who manages the billing and reconciliation? ▼

FlexTenure's platform manages everything automatically. It tracks each consumer's billing date, triggers debits on the correct date, manages EMI collection, merchant settlement, and sends you a monthly reconciliation report. Your staff do not calculate or manage any of this manually.

What does the 90-day free pilot involve? ▼

One store. 90 days. Zero cost to you during the pilot. The FlexTenure team sets up the platform, trains your billing staff, and supports the first transactions. If it does not work for your business, you walk away with no obligations.

Stop subsidising
the bank. Start keeping it.

One store. 90 days. Zero cost. If it does not work for your business, you walk away with nothing owed.

Start 90-day free pilot → Book a 20-minute demo

No lock-in · No upfront cost · Platform setup included · Staff training included

Flexible financefor your Future.

Three steps.That is the whole thing.

Everything your bank'sEMI cannot offer you.

No-cost EMI is not free.Here is what you are actually paying.

Built for peoplethe bank said no to.

Questions youprobably have.

Buy what you want.Pay on your terms.

Stop paying BajajRs.4,000 per salein interest.

Three things happen.You benefit from all three.

Every advantage.Zero compromises.

What Bajaj costs you.What FlexTenure saves you.

Questions youprobably have.

Stop subsidisingthe bank. Start keeping it.

Flexible finance
for your Future.

Three steps.
That is the whole thing.

Everything your bank's
EMI cannot offer you.

No-cost EMI is not free.
Here is what you are actually paying.

Built for people
the bank said no to.

Questions you
probably have.

Buy what you want.
Pay on your terms.

Stop paying Bajaj
Rs.4,000 per sale
in interest.

Three things happen.
You benefit from all three.

Every advantage.
Zero compromises.

What Bajaj costs you.
What FlexTenure saves you.

Questions you
probably have.

Stop subsidising
the bank. Start keeping it.