People before paperwork.
Every home is different. We aim to make the product financing journey easy to understand for salaried, self-employed, and small business households.
01 / CUSTOMER FIRSTYOUR HOME. YOUR POSSIBILITIES.
Bring home
happiness.
The things your home needs.
A simpler way to plan for them.
Product financing assistance, with clear information and your everyday comfort at heart.
People first Clarity always Everyday essentials
LIFE FEELS GOOD AT HOME
A little upgrade.A happier everyday.
GOOD LIVING STARTS WITH THE LITTLE THINGS.Discover more ↓
Customer-first approach
Clear financing information
Thoughtful repayment planning
Guidance along the way
EMI bounced or unpaid beyond 7 days? ₹499 penalty, including GST.
See the repeating 7-day charge ruleSMALL UPGRADES. BIG POSSIBILITIES.
Good things for
your everyday.
From movie nights to lighter laundry days,
explore the essentials that make a home.
Product and financing availability depend on the model, service area, eligibility, and the actual lender’s approval.
UNI FINANCETHE UNI FINANCE WAY
More than
an appliance.
A better everyday.
YOUR COMFORT.
OUR STARTING POINT.
OUR STARTING POINT.
HELLO, WE’RE UNI FINANCE.
Built around people.
And the homes
they make.
At UNI FINANCE ADVISORY PRIVATE LIMITED, we believe that the things that make life more comfortable should feel more accessible.
Incorporated on 28 September 2026, UNI FINANCE helps customers explore product financing, understand application requirements and coordinate with retailers. Financing assessment, approval and agreements are handled by the actual lending institution.
Since 2026Way to Success
Our mission
Make household essentials more accessible through convenient, transparent financing solutions.
Our vision
Build a trusted name in consumer durable financing, one informed decision at a time.
WHAT MATTERS TO US
Finance should feel
a little more human.
Our approach starts with your needs,
and keeps clarity at the centre.
Clarity at every step.
Understand the amount financed, repayment schedule, interest, and applicable charges before accepting the actual lender’s offer.
02 / TRANSPARENCYThoughtful by choice.
Responsible financing, trust, and integrity guide our approach. Take time to choose an option that works for your household budget.
03 / RESPONSIBILITYA CLEARER WAY FORWARD
From “we need that”
to “welcome home”.
Get to know the typical financing journey.
Select a step to take a closer look.
STEP 01 OF 07
First, a little inspiration.
A television for family movie nights? A refrigerator for a growing household? Choose an eligible appliance and confirm the model and availability with the retailer.
Start with what your home needs.
This is a general guide. Available channels, documentation, decisions, and delivery arrangements depend on the actual lender and retailer. Applications are not accepted on this website.
BEFORE YOU TAKE THE NEXT STEP
A little preparation.
A clearer start.
Requirements depend on the actual lender.
Here is what the company suggests preparing.
Who can explore financing?
- Indian residents who meet the lender’s minimum age requirement.
- Applicants with a valid mobile number and identity and address proof.
- Customers with repayment capacity and a satisfactory credit assessment.
Final eligibility is assessed by the actual lending institution.
What might you need?
- Identity and address proof, and PAN where required.
- A recent photograph and relevant bank account details.
- Income or employment information, if requested by the lender.
Aadhaar-based verification applies only where relevant and consented to. Submit documents only through an authorized channel.
KNOW THE NUMBERS
Rates & charges,
shared upfront.
Amounts provided by the company.
Your actual lender’s written offer governs.
- Yearly flat interest
- 13–48%
Per year, flat interest on the original financed amount, with fixed monthly instalments. This flat rate is not APR.
- Processing fee · GST included
- ₹299
₹299 includes GST. The lender’s offer will specify how and when the fee is payable.
The ₹299 processing fee and ₹499 late EMI / bounce penalty both include GST. Confirm the actual APR, all charges and repayment terms before accepting a financing agreement. Penalty charges are not included in the EMI illustration.
A LITTLE PLANNING GOES A LONG WAY
Your next upgrade.
Your kind of budget.
Try the numbers before you take the next step.
This is an illustration, with inputs chosen by you.
YOUR MONTHLY ESTIMATE
/ month
12 fixed instalments · annual flat-interest illustration
PrincipalInterestUpfront fees
- Amount financed
- ₹32,000
- Estimated interest
- ₹4,160
- Total instalment repayment
- ₹36,160
- Down payment
- ₹8,000
- Upfront fees & other charges
- ₹299
- Total purchase outlayDown payment + instalments + upfront fees
- ₹44,459
This flat-interest estimate assumes on-time payments. ₹499 late EMI / bounce penalties (including GST) are additional and excluded. APR, eligibility, fee treatment and the final schedule follow the actual lender’s documents. The final illustrated payment may adjust by a few paise for rounding.
A LITTLE MORE CLARITY
Good questions.
Clear answers.
Getting to know us?
Here’s a helpful place to start.
What is UNI FINANCE?
UNI FINANCE ADVISORY PRIVATE LIMITED is a company focused on consumer durable finance facilitation and making essential household appliance purchases easier to understand and plan. Financing is subject to the actual lender’s eligibility assessment, approval, and terms. No lending licence or RBI registration is claimed by this website.
Which products can I explore?
Categories include LED and smart televisions, refrigerators, washing machines, air conditioners, air coolers, inverters, batteries, mobile phones, and other eligible household appliances or electronics. Eligible models, brands, and availability must be confirmed with the company or an authorized retailer. This website is not a product catalogue with live stock or prices.
Who can explore financing?
Our focus includes salaried employees, self-employed individuals, small business owners, and households purchasing eligible appliances. Eligibility criteria, service areas, required income, and any age or documentation requirements depend on the actual lender’s policy.
How can I apply for financing?
This website provides information and an illustrative calculator. It does not accept financing applications, KYC documents, or payments. Call the company on +91 88593 10720 to confirm available application channels and the actual lender before sharing any personal or financial information.
What documents might be needed?
The actual lender may request identity and address proof, PAN, a recent photograph, bank account details, and income or employment information. Aadhaar-based verification applies only where relevant and consented to. Requirements depend on the applicant and financing arrangement. Submit documents only through a confirmed, authorized channel.
How is an EMI calculated?
An instalment depends on the financed amount, yearly flat interest rate, tenure, and the agreed treatment of fees. Our calculator uses the company’s yearly flat-interest method: total interest equals the original financed amount × annual flat rate × tenure in years. Principal plus interest is divided into fixed monthly instalments, with upfront fees shown separately. It does not calculate the actual lender’s APR or guarantee any rate, offer, or approval.
What happens if an EMI bounces or I pay late?
A ₹499 late EMI penalty, including GST, applies if an EMI bounces or is not paid within 7 days. This charge repeats every 7 days while that EMI remains unpaid.
₹499 includes GST. This charge is additional to your scheduled EMI.
Can I pay or track an EMI here?
No. Payment collection, application tracking, and customer login are not available on this informative website. Use only the actual lender’s confirmed payment and support channels. Repayment dates, overdue charges, and other obligations are governed by your agreement.
Is financing approval guaranteed?
No. Financing availability and approval depend on eligibility, verification, the product, and the actual lending institution’s assessment. Review the approved amount, APR, instalments, all applicable charges, and the agreement before accepting an offer.
No matching questions. Try “products”, “documents”, or “EMI”.
CALL USProduct enquiries, application guidance and repayment questions.
VISIT / CONTACT ADDRESS
SHISHGARH GARI, Sheeshgarh Road, Main Market Shishgarh, Shishgarh, Bareilly, Uttar Pradesh 243505
Call customer care for product eligibility, retailer availability and help with the financing process.