VarYar Store
Financing, spelled out in full
Paying in full is never the dearer way to buy from VarYar, and on selected banks a no-cost EMI costs exactly the same. This page lays out the rest — which plans you get at which order value, who sets the interest on the others, who approves them, and what happens if you want to end one early.
What each plan costs
Starting configuration of each product. Add an ensure plan, engraving or accessories and every figure moves — and so can the plans on offer, since they depend on the order total. The buy page always shows the version that matches your own configuration.
Configure the Immaculate Duet and see your own figures on the buy page
Plans by order value
The terms on offer depend on your order total. Accessories, engraving or an ensure plan count towards it, so adding one can lift an order into the higher column.
The rules, in plain terms
What actually gets financed
The financed amount is your configured order total. Accessories, engraving and an ensure plan are all included in it — there is no separate agreement for the add-ons.
No-cost EMI
No-cost EMI is available only on selected banks. On these plans VarYar charges no interest and no flat fee, so the instalments add up to exactly the price of paying once.
Plans that are up to your bank
Longer terms are offered by your bank, which sets the interest and any charges. VarYar doesn't control these and can't quote a total for them, so we show the order split evenly, before interest.
Instant cashback
Other selected banks have instant cashback offers, where applicable. Which banks, which cards and how much depend on the offer running at the time, and can change without notice.
Approval sits with your bank
VarYar doesn't run a credit check. Your card issuer decides at the payment screen, using the limit you already hold with them. A declined plan doesn't cancel the order — you can switch to paying in full and continue.
Ending a plan early
You can foreclose any VarYar plan at any time by paying the outstanding principal. VarYar charges nothing for this. Your issuer may apply its own foreclosure fee, which we can't waive on their behalf.
Returns while a plan is running
A returned item is refunded to the card that financed it. Your issuer then reverses the remaining instalments, which usually takes one full billing cycle — so you may see one more instalment post before the reversal appears.
Missed instalments
A missed instalment is between you and your issuer and follows their late-payment terms. It doesn't affect your warranty, your ensure plan or your VarYar account in any way.
Cards and wallets we settle through
- HDFC Bank
- ICICI Bank
- Axis Bank
- State Bank of India
- Kotak Mahindra
- OneCard
- Amazon Pay Later
- UPI on credit
Instalment plans are issued and underwritten by the partner bank or card network, not by VarYar, and are subject to their approval, your available credit limit and their terms. No-cost EMI is available only on selected banks, and VarYar charges no interest and no flat fee on it. Plans marked “Up to your bank” carry whatever interest and charges the bank sets. Taxes or charges your issuer applies on its side appear on your card statement rather than your VarYar invoice. Other selected banks have instant cashback offers where applicable. Availability varies by issuer and can change without notice. Nothing on this page is a credit offer or financial advice — the binding figures are the ones shown on the payment screen before you confirm.
Questions we haven't answered? Write to [email protected] or start a chat from any product page.