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EMI facility

Pay monthly, at 0% interest

Four providers and no interest, with instalments due on the 2nd of each month. AORE does not lend — it connects you to a provider, and the provider decides.

Interest
0%
Due on
2ndof each month
Late fee
₹500
Providers
4

01Worked examples

What it comes to each month

The GST-inclusive total divided across the tenure. Financing the ex-GST figure would leave you an unexplained balance to find later.

Monthly instalment by level and tenure
LevelFinanced3 mo6 mo9 mo12 mo
Certificate₹41,772₹13,924₹6,962₹4,641₹3,481
Diploma₹62,658₹20,886₹10,443₹6,962₹5,222
Advanced Diploma₹90,506₹30,169₹15,084₹10,056₹7,542
Indicative, not a quote. AORE publishes the 0% rate, the 2nd-of-month due date and the ₹500 late fee. It does not publish tenure options, a down payment, or any provider processing fee — so these columns show the arithmetic on the figures we do have. Your counsellor confirms the real schedule before you sign anything.

00Providers

Who provides the credit

Three lenders and one institute plan. Self Financing is AORE's own arrangement — no lender, no credit check.

  • Bajaj FinServ

    Lender

    Requires Aadhaar, PAN and bank statements. Approval is the lender's decision.

  • JODO Flex

    Lender

    Education-focused instalment provider. Set up by e-mandate.

  • Dili Loans

    Lender

    Requires Aadhaar, PAN and bank statements. Approval is the lender's decision.

  • AORE Self Financing

    AORE plan

    Paid directly to AORE. No lender approval, no credit check.


02Eligibility

Who qualifies

The provider decides, not AORE. These are the conditions they apply — meeting them is not the same as being approved.

  • Indian nationals.
  • A valid Aadhaar and PAN.
  • Salaried or self-employed.
  • Bank statements showing regular transactions.
Interest
0%
Due on
2ndof each month
Late fee
₹500
Providers
4

03Documents

What the provider will ask for

  • Aadhaar card.
  • PAN card.
  • Salary-credited bank statement or passbook, if salaried.
  • Transaction statements, if self-employed.
  • A rental agreement.
  • An electricity bill.

04Process

How it works

  1. Submit your application

    The standard AORE application. Nothing extra is needed at this stage.

  2. Receive your offer

    The admission offer sets out both payment options — in full, or in instalments.

  3. Choose EMI

    AORE connects you to a provider. You are not applying to four lenders at once.

  4. Upload your statements

    Bank statement and bank name go to the provider, not to AORE.

  5. Sign and verify

    Agreement, e-mandate, video verification and the down payment.

  6. Pay monthly

    By UPI, bank transfer or the provider portal, on or before the 2nd.


05Terms

What happens if you miss one

Instalments are due on or before the 2nd of each month. A ₹500 late fee applies after that date.

Persistent non-payment results in course access being suspended, and AORE reserves the right to pursue recovery. That is worth stating plainly rather than burying: an instalment plan is a credit agreement and is treated as one.

Tenure options, the down-payment amount and any provider processing fee are not published by AORE. The figures on this page are arithmetic, not a quote — a counsellor confirms the real schedule before anything is signed.

Next

Start the application

Choosing EMI happens after your offer, not before. Apply first, then pick how you pay.

Chat with AORE on WhatsAppEMI facility — 0% interest instalments | Academy of Retail Excellence