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Fatafat Sewa offers 0% No-Cost EMI on smartphones, laptops, and electronics across Nepal. Use our eligibility checker to instantly calculate how much you can buy on easy monthly instalments.
Instant Checker
Enter your details below. The result is personalised based on your profile — salaried, student, or business owner.
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EMI · iPhone
Browse the latest iPhones you can purchase on 0% No-Cost EMI from Fatafat Sewa. Approved applicants get instant dispatch across Nepal.
Eligibility
Fatafat Sewa EMI is designed to be inclusive. Whether you are a salaried employee, a student, a business owner, or applying with a guarantor — there is a clear path for you.
Min. Income: NPR 15,000 / month
Salaried workers — whether employed by the government, a private company, or an NGO — are the most commonly approved EMI applicants in Nepal. Your monthly pay slip is your strongest proof of repayment capacity. Government and permanent staff receive priority processing from our partner banks.
Minimum Income
Gross monthly salary of at least NPR 15,000
Employment Duration
Minimum 6 months in current job or organisation
Age Requirement
Applicant must be between 18 and 60 years of age
Work Location
Must be employed within Nepal (Province 1–7)
Government employees and permanent staff are given priority approval by our partner banks.
Min. Income: Guarantor Required
Students in Nepal can apply for EMI on electronics without a personal income, as long as a parent or guardian with a stable income co-signs the application. This makes it easy for college students to get the smartphone or laptop they need — without a lump-sum payment upfront.
Age Requirement
Applicant must be between 18 and 30 years of age
Active Enrollment
Currently enrolled at a recognised college or university in Nepal
Guarantor Required
A parent or legal guardian with stable income must co-sign the application
Guarantor Income
Guarantor gross monthly income must be at least NPR 25,000
Students without personal income require a qualified guarantor earning at least NPR 25,000/month for approval.
Min. Income: NPR 25,000 / month
Business owners, entrepreneurs, and self-employed professionals in Nepal can access EMI financing for electronics by demonstrating stable business income. Unlike salaried employees, you will need to provide business registration documents and bank statements. A tax clearance significantly strengthens your application.
Minimum Business Income
Verifiable monthly net income of at least NPR 25,000
Business Vintage
Business must have been operational for at least 1 year
Age Requirement
Proprietor must be between 21 and 65 years of age
Business Registration
Must have a registered business with PAN or VAT certificate issued in Nepal
Audit reports or tax clearance certificates significantly improve approval chances and may unlock higher EMI limits.
Min. Income: NPR 25,000 / month
A guarantor in Nepal co-signs an EMI application and accepts legal responsibility for repayment if the primary applicant defaults. Guarantors are most often required for students or first-time borrowers without a credit history.
Age Requirement
Guarantor must be between 21 and 60 years of age
Stable Income
Minimum verifiable monthly income of NPR 25,000
Relationship
Must be an immediate family member or close relative of the primary applicant
Contactable
Must be reachable for phone or in-person verification during the process
By co-signing, the guarantor accepts full legal and financial responsibility if the primary applicant fails to repay.
Quick Reference
Your EMI limit is 50% of gross income for salaried applicants and 40% for business/freelancer applicants, multiplied by a 12-month tenure.
| Monthly Income | Salaried EMI | Business EMI | Max Value (12M) |
|---|---|---|---|
| NPR 15,000 | NPR 7,500 | — | NPR 90,000 |
| NPR 25,000 | NPR 12,500 | NPR 10,000 | NPR 1,50,000 |
| NPR 40,000 | NPR 20,000 | NPR 16,000 | NPR 2,40,000 |
| NPR 60,000 | NPR 30,000 | NPR 24,000 | NPR 3,60,000 |
| NPR 1,00,000+ | NPR 50,000 | NPR 40,000 | NPR 6,00,000 |
* Salaried: 50%. Business/Freelancer: 40%. Actual approval may vary by bank.
FAQ
Everything you need to know about EMI eligibility, documents, and the approval process.
Ready to apply? Browse productsChoose a product, fill your details, and get approval within 24 hours. No hidden charges, no processing fees.
* Eligibility criteria are indicative. Final approval is at the sole discretion of our partner banks. Fatafat Sewa does not charge any processing fees.
