Any Phone. Easy EMI. No Credit Card Needed.
Want a new smartphone but prefer to pay monthly? Arnav Telecom is the EMI mobile shop Kolkata trusts — since 2014 we have financed phones for thousands of customers across South Kolkata and Hooghly, most of them without a credit card.
We hold in-store finance desks with Bajaj Finserv, Home Credit, HDB Financial, IDFC First Bank and PayTm Postpaid, alongside debit-card and credit-card EMI. You choose the phone; we run the approval while you wait — usually minutes with just Aadhaar and PAN.
EMI works on every brand we stock: Samsung, Apple iPhone, Vivo, OPPO, Xiaomi/Redmi, Motorola, Realme, Nothing, Google Pixel, iQOO and OnePlus — plus laptops and smartwatches.
1. Pick Your Phone
Any brand, any model in stock at any of our 6 stores.
2. Aadhaar + PAN
That's all most partners need for instant processing.
3. Instant Approval
Most approvals complete in minutes, in-store.
4. Walk Out Happy
Zero or low down payment on many models.
EMI Available at All 6 Stores
Every Arnav Telecom store has a finance desk — visit whichever is nearest and walk out with your new phone the same day. Featured below are our Garia and Rajpur Sonarpur showrooms; see the full list on our store locator.
Arnav Telecom – Garia Mahamayatala
129, Ananda Pally, Garia, Kolkata, West Bengal 700084
Arnav Telecom – Rajpur Sonarpur
249, Netaji Subhash Chandra Bose Road, Dakshin Jagaddal, Rajpur Sonarpur, Kolkata 700149
Frequently Asked Questions
Which documents do I need for mobile EMI at Arnav Telecom?
For most finance partners you only need your Aadhaar card and PAN card. Depending on the partner and amount, a bank statement may occasionally be requested. Approval typically happens in minutes, in-store.
Can I get phone EMI without a credit card?
Yes — that is our speciality. Bajaj Finserv, Home Credit, HDB Financial, IDFC First Bank and PayTm Postpaid all offer cardless EMI at our stores. Debit-card EMI is also available on eligible cards.
Is zero down payment really available?
On many models, yes. Zero or low down-payment schemes depend on the model and the finance partner's current offer — message us on WhatsApp with the phone you want and we will tell you the exact scheme today.
Do all 6 Arnav Telecom stores offer EMI?
Yes. Every store — Garia, Rajpur Sonarpur, Sonarpur Station, Natunhat Boral, Boral Rakshiter More, and Bandel Hooghly — has in-store finance desks for instant processing.
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