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    Liquiloans offers easy monthly installment plans for jewellery orders starting from ₹15,000. Please read the details below to understand the schemes, process and the terms

0% Interest EMI Schemes

  • 6 Month Tenure: Down payment should be paid for 2 months with 4% + 18% (GST) processing fee
  • 8 Month Tenure: Down payment should be paid for 2 months with 5% + 18% (GST) processing fee
  • 8 Month Tenure: Down payment should be paid for 4 months with 4% + 18% (GST) processing fee

Good to Know

  • Price range: 15K to 10L
  • Shipping/delivery dates may vary subject to the approval of EMI
  • EMI is available only on select pincodes
  • EMI is not available on Shaya jewellery and Gold coins

Liquiloans Process

  • Pick your favourite CaratLane jewellery
  • Call our customer service team at +91-44-42935000
  • Submit the required documents to the customer service team
  • Wait for Liquiloans to conduct an online verification of the loan application
  • Our customer service team will inform you on the EMI approval status
  • Place an offline order and make the down payment to CaratLane
  • You will need to submit the processing fee to the Liquiloans team
  • CaratLane will process your order within 24 hours after Liquiloans confirms the payment

Important Note

  • CaratLane has tied up with a financial institution that enables payment through EMI with instant, hassle-free credit to customers to make purchases across multiple points of sale. The entire process rests on the creditworthiness of the individual which in turn requires certain documents to be provided at the time of making a purchase. It is a third-party NBFC program that provides an EMI program to the customer that wishes to purchase jewellery.
  • EMI Offer is applicable on jewellery purchases made online on the CaratLane website, the apps, TAH and offline stores.
  • Customer’s whose in-hand income is more than a minimum of Rs. 20,000/- shall avail the EMI option.
  • The third party NBFC governs the entire loan facility. CaratLane has no role to play in the approval, extension, pricing, modification, pre-closure, closure, or any incidental matter pertaining to the offering of the loan.
  • Customer has to submit all the documents requested by the CaratLane customer service team for the NBFC to start the verification process.
  • Loan processing and disbursement will take at least 7 working days from the day you submit the required documents to the NBFC.
  • NBFC has the full discretion to assess a customer's eligibility for the loan application and loan disbursement.
  • In case a customer cancels the EMI order after approval or opts for a 15-day money-back, CaratLane will refund the entire down payment to the customer. However, NBFC will deduct the processing fee including GST as part of its service charge.
  • On Cancellation of the order, CaratLane shall refund only the order value to the customer. This shall not refrain the customer from paying the monthly EMI to the NBFC until the repayment of the loan amount.
  • The loan facility offered by NBFC to the customer is governed by the respective terms and conditions of NBFC. The customer is advised to approach the concerned NBFC in case of any complaint, dispute, or enquiry related to the loan EMI.
  • CaratLane does not charge any processing or convenience fee for the purpose of facilitating the loan facility for its customers. However, the NBFC may levy a processing fee of 4% to 5% based on the EMI scheme selected by the customer.
  • All disputes in connection with the loan shall be between the customer and the NBFC. CaratLane shall not be held liable for any dispute arising out of or in connection with such loan facility offered by NBFC
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