Guide
Documents required for mobile EMI
The list is short, and most people already have everything on it. What slows applications down is rarely a missing document — it is a detail on one of them that does not match.
What to bring
Three things. Nothing needs to be prepared, notarised or printed in advance.
- Aadhaar card — and the mobile number linked to it, because verification happens on that number
- PAN card — used for the credit check
- Bank account details — the account the monthly instalments will be debited from
The mobile number matters more than people expect
Aadhaar verification sends a one-time code to the mobile number registered against your Aadhaar. If that is an old number you no longer use, the application stops there — and it cannot be worked around at the shop.
If you are not sure which number is linked, check before you go. Updating it means a visit to an Aadhaar centre, so it is worth knowing in advance rather than discovering it at the counter.
Small mismatches that cause delays
Most rejections at the document stage are not about creditworthiness at all. They are about details that do not line up.
- Name spelled differently on Aadhaar and PAN
- The bank account being in a different name — a parent's or spouse's account will not work
- An Aadhaar mobile number that is no longer in use
- A cheque or passbook where the account holder's name is not visible
What you do not need
No credit card. No salary slip in most cases. No guarantor. No property documents. If someone asks you for a fee to process a phone EMI application, that is not how this works — the application itself costs nothing.
Common questions
What documents are required for mobile EMI?
Aadhaar card, PAN card and bank account details. Bring the mobile number linked to your Aadhaar, since verification happens on that number.
Can I use my father's or wife's bank account?
No. The bank account has to be in the name of the person taking the loan, because that is the account the instalments are debited from.
Do I need a salary slip or income proof?
Usually not for a phone. The amounts are small and the assessment is based on your identity and credit record rather than documented income.
What if my Aadhaar mobile number is old?
The verification code goes to that number, so the application cannot proceed without it. Updating it requires a visit to an Aadhaar centre, so check before going to the shop.
Is there a fee to apply?
No. Applying costs nothing. Anyone asking for a fee to process a mobile EMI application is not operating legitimately.
64 partner shops across Kanpur
Walk into any of them with your documents and get a decision at the counter.