How Construction Companies can benefit from Equipment Financing

Running a construction business warrants a generous flow of capital, especially for availing the requisite equipment. Having the right and upgraded equipment is an indispensable and ongoing requirement, especially to expand your operations.

Equipment financing assists you in the below mentioned ways, helping your business achieve its operational goals:

✓ Conserving Capital

Large capital expenditures negatively affect cashflows and pose a financial risk, especially for small and medium enterprises. Opting for external finance for equipment, rather than spending cash saves you from spending towards an asset that might not offer immediate returns. The funds thus saved can be used in other areas of your business like. For example, buying raw materials or training your staff in new skill sets.

Equipment purchase decisions come with the odds that the asset might not be able to yield the desired return. This can trigger inefficiencies and affect overall profitability and sustainability. On the other hand, lease financing towards equipment can be correlated with the productivity it brings about.

For example, say you fund the leasing of a new equipment for your project, at a monthly payment of Rs. 10,000. The new equipment brings productivity in your processes and cost savings worth Rs. 15,000 per month for two years

Cash outflow towards lease for 2 years

Rs. 10,000 x 24 = Rs. 240,000

Savings generated for 2 years

Rs. 15,000 x 24 = Rs. 360,000

Your gain

Rs. 120,000

After two years, when the equipment no longer brings returns, you can terminate your lease agreement. Thus, you pay just the optimal amount for the benefits you get. The cash thus preserved in the entire exercise can be used in further growth initiatives of your business.

On the other hand, had you financed the equipment entirely with internal cash, it is likely the investment wouldn’t be in line with your returns, given the equipment’s possibility of not performing for the expected time.

This conserved capital can be used in other areas of business like-

  • Funding growth initiatives initiatives: Make strategic hires, increasing capacity, taking up new projects or integrating technology.
  • Procure the latest equipment: Avail the latest equipment to leverage technological enhancements.
  • Investment: Don’t miss out on other investment avenues which would increase your ROI.

 

✓ Staying Up-to-Date With Technology

In today’s dynamic business environment, it is essential to have the right equipment with the latest technology. Upgraded equipment bring in:

-More efficiency in everyday operations

-Higher productivity

-Accelerated construction process by ensuring minimal or no breakdown

A modern business thrives on technological innovation and upgradation, more so for a construction company. While a Paver Block machine comes at around Rs.2,10,000, earth mover equipment like JCB 3D Super Buckhoe Loader costs around Rs.20 Lakh. So proper equipment financing can be used to avail the latest equipment to leverage tech enhancements. 

However, many businesses, and particularly the construction sector, with its large outlays for certain equipment, are unable to afford the same to thrive and stay competitive. By funding equipment through term financing, they can acquire more and better equipment, which may be out of reach with a cash purchase. Thus, they can deploy equipment at a faster rate to respond to industry or technology changes.

 

✓ Securing Loan Quickly

Equipment financing in most cases are executed and completed faster than traditional financing alternatives. This offers a customized financing designed to match the requirement and budget of the business.  For instance, construction owners applying for a Bajaj Finserv’s Engineer Loan get approval within 24 hours and the money is disbursed within 72 hours once the formalities are done. This enables the business to expedite fund deployment to get most out of market opportunities.

 

✓ Forecasting Accurately

Equipment financing also enables construction companies to make more accurate budgets and forecasts. The Equipment Machinery Loan of Bajaj Finserv is designed to fit the conditions normal to a construction company. So it is more easy to match the repayment schedule with the cash flow of the business and get a better forecasting for future finances.

 

✓ Reducing Risk

Equipment acquisition comes with risks pertaining to:

-Equipment expertise

-Capital outlays

-Asset management

-Obsolescence

Overall, these risks become a burden for the business owner to carry. But financing eliminates many unnecessary risks and allows you to focus on your core business. Equipment financing, therefore, goes a long way in assisting construction businesses, contractors, and engineers in implementing their projects efficiently and profitably.

 

Equipment financing like other loans comes brings along with it:

-Tax advantages: Paying interest reduces your profits, thus reducing your tax burden.

-Increased purchasing power: Allows you to acquire more/high-end equipment.

-Hedge against inflation: You can finance your equipment needs without investing your current savings and delay your expenditure, thereby avoiding the risk of your current payments    being devalued overtime due to inflation/financial risks.

-Increased responsiveness: You are ‘well-equipped’ to handle market/industry dynamism.

The global construction equipment finance market is expected to grow at a CAGR of 9.9% during 2016-2020 and we, at Bajaj Finserv, help you make the most of these opportunities. We extend collateral-free Equipment Machinery Loans that help you acquire machinery and equipment for your business and projects. You can also avail a Flexi Loan for your business to fund the lease or purchase of new machinery, and save up to 45% on EMIs as you end up paying interest only the amount used by you and not the entire loan amount. As the name suggests, these loans come with flexible repayment options.

Redecorate your home without burning a hole in your pocket

From new furniture to upgraded electronics—you can re-do your home using the best offers via the EMI Network. Here’s how to give your home a revamp without feeling the cash crunch!

Whether it’s because all your furniture looks out-dated or for an occasion such as a wedding, a home revamp is a satisfying project to undertake. It allows you to redo the interiors to reflect your personality. But, a total makeover can be heavy on your pocket, as you’ll be buying furniture, new electronics, and furnishings. This doesn’t mean that you need to compromise on your dream home. Bajaj Finserv’s EMI Network ensures that you get great discounts and can pay for all your purchases via convenient EMI. Use the Bajaj Finserv EMI Card and shop online or offline at partner retailers like @Home, HomeTown, HomeCentre, Evok, etc.

Use this guide to revamp your home without feeling the pinch:

  1. Upgrade your furniture:

Changing your furniture is always a good idea. It enhances the comfort of your home and also boosts its visual appeal. Purchasing new furniture for your home could cost an average of up to Rs.2.5 lakh depending on what kind of furniture you buy. With Bajaj Finserv you can buy furniture on EMI from any of its partner stores. A sleek modular kitchen can also help you add a touch of class to your home. The most important pieces that will change the look and feel of your home are:

  • A new sofa set for the living room
  • A new dining table and chairs for the kitchen/dining room
  • A new bed for the bedroom
  • Coffee tables and a chest of drawers for the living room or bedroom
  • Outdoor furniture for the garden
  • A comfortable mattress
  1. Add a splash of colour:

A fresh coat of paint can add freshness and colour to your home and improve its value. Depending on the size of your home, the cost of painting it will vary. But, on average, repainting your home costs around Rs.26 per 30 square feet. Apart from the size of your home, the kind of paint and its finish also impact the cost. The colours in trend this season include pastels and shades of blue, so ensure that you include these in your home revamp.

  1. Get a home décor overhaul:

Decorative pieces improve the visual appeal of your home and infuse your personality into it. Buy adornments such as flower vases, huge glass dome candle holders, attractive bar tables, and paintings to make your home look more beautiful. You can home décor on EMI from Bajaj Finserv’s extensive network of stores that include local novelty stores to retail giants like @Home.

  1. Buy the best appliances:

A home is incomplete without appliances, make your home more comfortable electronics such as televisions, air conditioners, washing machines, and more. You can also make everyday life easy with many high-performance kitchen appliances like mixer grinder, juicer, etc. Purchasing all these appliances could cost you an average of around Rs.2 lakh. This number could be higher or lower depending on whether you stick to basic models or pick high-end ones. You may also choose to buy extra appliances such as a home theatre system or an air purifier.

  1. Make your home truly yours:

Any beautiful home requires a keen sense of detail. Start by decorating your home with photographs that document memorable moments. Follow this up by displaying handmade artwork, awards, and trophies. After all, it is these details that help you personalise your home and give it a distinct identity.

You can check off each item on our home revamp guide easily and conveniently by using the EMI Card to finance your purchases. You can get home appliances, furniture, and other décor items of up to Rs.3 lakh on EMI from Bajaj Finserv’s partner stores.

Get furniture and home appliances on EMI

Manage the finances of your maternity care with ease

Make the most of Bajaj Finserv’s EMI Network and finance your IVF, delivery, and postnatal care expenses on EMI. Here’s how.

When you and your spouse decide to have a baby, there is a whole checklist to go through. From doctor’s appointments to the actual delivery, from taking care of the mother-to-be to getting your home baby-ready—there’s a lot on your plate. Whether you’re at the IVF stage or are nearing delivery, there’s no denying that the process is expensive. Often it may be difficult to pay for these expenses in one go. But, the one thing that you can delete from your to-do list is worrying about finances. You can use your Bajaj Finserv EMI Card to pay for all maternity procedures. Take advantage of the vast EMI Network comprising 2700+ outlets across more than 70+ cities.

Giving you up to Rs.3 lakh on easy EMI, here’s how the EMI Network helps you finance the complete maternity care:

Getting your IVF treatment

IVF involves fertilising the egg outside the body and then implanting it in the uterus. This treatment usually costs between Rs.2.5 lakh to Rs.4.5 lakh, depending on the treatment. Armed with the EMI Card, you can pay for IVF in convenient monthly instalments.

Keeping yourself healthy

Once the IVF treatment has been successful, it is important to follow up with a healthy lifestyle and diet. You can do this by improving your knowledge about food and nutrition and can consult a dietician. A good dietician will charge you between Rs.3,000 to Rs.5,000 per month and help you eat what’s right for you and your baby. It is also important for you to stay fit, so joining a pre-natal yoga class or taking up aerobics is a good way to be active. You can easily access health centres and dieticians using the Bajaj Finserv EMI Network.

Delivery of your baby

This is a procedure that demands the knowledgeable and experienced hands of a professional gynaecologist. On an average, this cost ranges from Rs.35,000 to Rs.95,000, depending on your hospital or clinic. This fee can be easily paid easily through EMI as long as your hospital is a part of the EMI Network. Some of the top hospitals in India like Cloud9 are now a part of Bajaj Finserv’s EMI Network. You may also be eligible to receive various discounts or offers.

Stem cell preservation services

You may consider preserving the stem cells of the baby, this may help in treating various life-threatening ailments in the future. To carry out this process, doctors perform a procedure right after delivery. The stem cell preservation fee varies from Rs.20,000 to Rs.3 lakh. Again, note that the EMI Network has a range of hospitals that offer you a discount and help you pay for the fee using various EMI options.

Post-pregnancy care for mother

Your body undergoes a number of changes during pregnancy, ensuring that you have adequate nutrition post delivery will help your body recover. A nutritionist may help you get on a healthy diet plan for this. Some mothers may also opt for beauty treatments like stretch mark removal, post-natal toning, and haircare treatment to help them get back to the body before pregnancy. With partners like VLCC, Vibes, Truweight in Bajaj Finserv’s network, you can opt for any of these services on EMI.

No matter what stage of a pregnancy you’re at, the EMI Card allows you to finance the associated expenses at your own convenience. Make managing maternity matters easy and convenient with the Bajaj Finserv’s EMI Network. It also provides other benefits like instant approvals, loans up to Rs.3 lakh on EMI, part-prepayment, and much more.

Click here for more information

Transform your kitchen with the EMI Network

A makeover for your kitchen is a must-do every few years. You can buy everything you need for your kitchen on easy EMI using Bajaj Finserv’s EMI Network.

Remodelling your kitchen before your wedding, or every couple of years, is an absolute essential. Whether you entertain friends and family, love to cook up a storm or give everyday family meals a new spin, a beautifully revamped kitchen is just what you need.

If you enjoy spending time in your kitchen, don’t let the high cost of a remodel deter you. Whether you’re looking for offers on water purifiers, microwave ovens at the lowest price, high-performance mixer grinder, or a modular kitchen, you’ll find everything you desire on the Bajaj Finserv EMI Network.

Why choose to shop on the EMI Network?

– It lets you avail loans up to Rs.3 lakh

– It gives you a wide range of products and vendors

– It ensures fast approvals

– It lets you apply using minimal documentation

– It allows you to repay through affordable EMI

Whether its cookware from Prestige or toasters and grillers from Wonderchef, a water purifier from Eureka Forbes or furniture from Evok or @Home, you can get it all on easy EMI by clicking here. What’s more, once you have a Bajaj Finserv EMI Card, you’re also privy to a variety of offers and deals on kitchen appliances, modular kitchens and kitchen accessories.

Now, take a look at 5 simple ways by which you can transform your kitchen.

  1. Upgrade the lighting: The kitchen is the heart of your home and deserves to exude warmth. One way to do this is to add concealed lighting on the ceiling and lamps on the walls. Correct lighting not only makes your kitchen look more attractive but also makes it ideal for cooking. Bright lighting in the kitchen offers better safety and helps you ensure that food cooked is hygienic.
  1. Get a modular kitchen: Declutter your kitchen and give it a chic look, while making practical use of the space with a modular kitchen. Spacious cabinets, energy-efficient stove, chrome-finish chimney, and everything else you need to overhaul your kitchen – you can get it on EMI from Bajaj Finserv.
  1. Refresh the look: The flooring and the wall colour are subsidiary factors that affect the way your kitchen looks. When it comes to flooring, pick anti-slip tiles that increase safety for you and everyone else who uses the kitchen. You can then pick a shade of paint that complements the blinds and furniture, and is easy to maintain. Re-painting will cost you a fee of around Rs.26 per 30 square feet.
  1. Invest in the right kitchen appliances: Having appliances in the kitchen makes cooking faster and easier. With the best appliances in the kitchen, you can cook delicious food for your family and friends. Typically, you will need regular appliances such as a mixer, chopper, microwave oven, stovetop, juicer and more. You can buy these from an EMI Network partner store. All put together, the cost will come up to around Rs.1 lakh.
  1. Update your cutlery and silverware: Cookware such pans and pots can also double up as serve ware, so invest in good quality ceramic pieces that distribute heat evenly. Gold plated silverware is a classy addition to the kitchen for when you’re entertaining. Apart from this, you can also invest in a rice cooker, a small grill for sandwiches and meats, a pressure cooker, a traditional kettle, a wooden salad bowl and other plates and bowls.

Whether you want to buy a microwave oven at the lowest price or a new electric kettle, an EMI Network offers you the best deals on home appliances. Start upgrading your kitchen today using the EMI Network by Bajaj Finserv.

Get your modular kitchen and home appliances on EMI

Good health made affordable with EMI Network

Take care of all expenses for beauty and health needs easily and conveniently with Bajaj Finserv’s EMI Network. Here’s how.

Your financial responsibilities towards your and your family’s health and wellbeing remain unchanged no matter the ups and downs in your professional life. Arranging for funds during the time of need, however, often becomes a challenge. Here’s where you can take advantage of Bajaj Finserv’s EMI Network that includes 2700+ clinics across more than 70 clinics.

The Bajaj Finserv EMI Network offers you access to treatments like IVF and maternity care, bariatric and laparoscopic surgery, general surgery, knee replacement surgery, and diagnostic care in its Life Care Finance services. You can also use Life Care Finances for beauty services like cosmetic surgery, hair replacement, eye care, dentistry and dental care, as well as for slimming and wellness. You can opt for any service using the EMI Card and pay in convenient monthly installments. This allows you to get the treatment or service you need without feeling the financial stress. Click here to view your nearest clinic.

Take the example of Nivedita Rai, who needed to pay for a micro-cataract surgery for her father and get dental ceramic braces for her son. Nivedita found that Bajaj Finserv collaborated with high-profile partners like Sahyadri Group of Hospitals, VLCC, RichFeel, Vasan Dental Care, and Kaya Skin Clinic. It also offered her discounts on services apart from allowing her to pay for health and beauty related needs in convenient and affordable EMI, at suitable tenors and without any additional interest. See the partners and offers here.

Rather than paying Rs.80,000 at one go, she paid for eye care and dental services using the EMI Card, which broke her total expenses into monthly EMIs of Rs.6667 per month for 12 months. The EMI Card made sure her expenses were limited to a fixed amount every month and provided various additional discounts along with easy EMI and No Cost EMI.

Like Nivedita, you can also make use of the Bajaj Finserv EMI Network to keep your family secure, and avail the following benefits:

  1. High loan amount

If you opt for Life Care Finance, you can acquire loans up to Rs.3 lakh, and repay them over convenient tenors ranging from 6 months to 12 months.

  1. Quick processing and approval

Instead of the traditional method, where you have to visit the concerned branch and await your loan approval for days, Bajaj Finserv offers in-clinic representatives at partner hospitals that help you get approval within minutes.

  1. Less documentation

You can have your very own EMI Card without worrying about providing endless documents. All it takes is a few basic details like your ID and address proof as well as documents like a cancelled cheque.

  1. Convenient EMI

One of the best things about the Bajaj Finserv EMI Card is that you can avail any treatment you wish to and then make easy monthly payments according to your budget. There is a wide range of tenor options that you can choose according to your convenience.

  1. Easy repayment options

If you get your hands on some extra cash, you can easily avail the part pre-payment facility to repay your loan quicker. Subject to a few conditions, you can do so without any penalties or additional charges at all.

  1. Complete online management

You can access all the details related to your Bajaj Finserv EMI Card through a dedicated customer portal. This way, all relevant information is always within your reach, whenever required.

Use your Bajaj Finserv EMI Card now to access the EMI Network to take care of all your beauty and healthcare needs.

Click here to finance your healthcare on EMI

Home Loan Low Interest Rate

Limited period offer: Bajaj Finserv Home Loan starting 8.35%

If you are considering buying a home or switching your existing home loan, Bajaj Finserv has a limited period offer for you! For 7 days starting 12th December, you can avail a home loan or a home loan balance transfer at special rates starting 8.35%*.

This limited period offer is valid till 18th December.

Home Loan from 8.35%

If you opt for a home loan of Rs.30 lakh and above during the offer period, you can avail your home loan at 8.35% rate of interest. For just home loan balance transfer, Bajaj Finserv is charging a special interest rate of 8.40% for amounts of Rs.30 lakh and above.

Here are some of the reasons why you should opt for a Home Loan from Bajaj Finserv:

Easy loan approval and disbursal

Choose the option to apply for a home loan at your convenience. As long as you fit the eligibility criteria, you can get approval for home loan in as little as 5 minutes!

Top-up loans

If you opt for a home loan balance transfer with Bajaj Finserv, you can also get a top-up loan of Rs. 30 lakh and above, at 8.40% rate of interest, which you can then use to set up your dream home or for anything else you need.

Refinance

If you have used your own funds to purchase a house in the last 12 months, then you can opt for the refinance option offered by Bajaj and avail a loan amount that’s less than or equivalent to the registered value of your property.

3-EMI Holiday

Bajaj Finserv offers a 3-month EMI grace period to help you plan your monthly expenses.

What are the requirements?

You need to be a salaried individual to avail this offer. You need to apply for your home loan or balance transfer through our online application form. You should have a credit score above 750 and keep the required documents handy.

Check eligibility

Check your home loan eligibility through our Home Loan Eligibility Calculator. If you are eligible, you can apply for a home loan with through our online application form. Your loan will be approved within few minutes and a Bajaj Finserv representative will get in touch with you to collect your documents.

For most of us a home loan is an investment of a lifetime and therefore it is necessary to opt for an affordable home loan. Bajaj Finserv’s Home Loan offer starting 8.35% interest rate is valid till from December 12, 2017 to December 18, 2017.

So, apply for your home loan right now!

Apply for Home Loan Online Check your Home Loan eligibility

*T&C Apply.
5 Flagship smartphones to watch out for in 2017

5 Flagship smartphones to watch out for

The year 2017 has been a landmark stretch for smartphone manufacturers. They have successfully redefined the look and feel of our favourite pocket companions while giving them more power and features than ever before. Today, most flagship smartphones have a bezel-free design with pictures that have greater depth, clarity, and focus. Companies have also started adding larger RAM to their smartphones to increase processing speed.

What does all this mean for you? Well, it means its time for you to upgrade your smartphone because Samsung, Apple, Sony, LG and Google have all introduced wonderful mobiles for you to choose from. Take a look at our top five picks of flagship smartphones.

 

1) Apple iPhone X

Apple has always been a trendsetter in the smartphone arena and their latest launch, the iPhone X, is no exception. The smartphone marks the tenth anniversary of the company, hence the ‘X’ moniker. In true style, it has undergone a complete revamp and re-design and has rid itself of the home button. It has a bezel-less display encased in a stainless steel frame. The screen has a 5.8-inch OLED Super Retina display with Face ID (face recognition as a security measure). It has 3GB RAM with 12 MP and 7 MP primary and secondary cameras. The iPhone X is best for users who are always on the go because it has a 2716mAh battery and also supports wireless charging.

 

2) LG V30

LG is making a comeback in the world of smartphones with its V30 model, launching this December. This smartphone is a step in the right direction because it has a sharp 6-inch display that is set in a super-thin frame with minimal bezels. It has a glass sandwich design with QHD resolution. The primary camera is 16 MP, which offers a superlative videography and photography experience. It has an f/1.6 aperture fitted with a wide-angle lens that only enhances the experience further. The 4 GB RAM and 3300 mAh battery make it a very smart buy.

 

3) Sony Xperia XZ Premium

If you are a photography enthusiast and buy smartphones just to use their cameras, consider the Sony Xperia XZ Premium. The 19MP primary camera offers laser-sharp focus. It also has LED flash and predictive phase detection to deliver high-quality imagery. An equally impressive 13MP secondary camera backs this. Apart from the camera, Sony Xperia XZ Premium has a 5.4-inch IPS LCD capacitive display with 16 million colours. It is also loaded with a Qualcomm Snapdragon 835 processor and 4 GB RAM.

 

4) Google Pixel 2 XL

Google Pixel 2 XL is the bigger version of the Pixel 2. It comes with a 6-inch P-OLED display with a sharp resolution of 2880 x 1440 pixels. The display is nearly bezel-free, and sits in a very sleek frame. The double-toned glass and metal body make this a stunning smartphone. The Pixel 2 XL comes loaded with Snapdragon 835 processor, 3520 mAh, and 4GB RAM. The primary camera is 12MP whereas the secondary one has undergone a total revamp with a  8MP resolution.

 

5) Samsung Galaxy Note 8

Samsung Galaxy Note 8 features a large 6.3-inch 4K display, which bridges the gap between a smartphone and a tablet. A Snapdragon 835 Qualcomm processor powers the phone, along with a 6GB of RAM, and Android Nougat operating system. The primary 12 MP camera is dual with phase detection autofocus and 2x optical zoom. On the other hand, the secondary camera is 8MP, enriched with face/smile detection. The Samsung Galaxy Note 8 comes with the latest version of S-pen, making it perfect for doodlers, avid note-takers, artists, and illustrators.

 

You can now purchase the top flagship phones on EMI at the Bajaj Finserv EMI Store and let your wallet breathe easy. Make your purchase and have it delivered to your doorstep in less than 24 hours. The EMI Store takes convenient shopping to a whole new level!

All you need to know about the Vivo V5

All you need to know about the Vivo V5

Don’t purchase a new smartphone just yet! First, take a look at the Vivo V5’s unique attributes. Not only does this phone rank in design and aesthetics, but it also boasts of a jaw-dropping camera and advanced processor.

Read on to find out how the Vivo V5 stands out against its competitors and provides you a rich user experience.

Superior audio capabilities

This smartphone elevates listening to music to a whole new level. It features ergonomically designed speakers that provide superior sound quality. The Vivo V5 also features a dedicated AK 4376 Hi-Fi audio chip that delivers a signal to noise ratio of 115dB. This means that you can now enjoy all your television shows, music, and radio with total immersion, without the interference of ambient noise.

Exemplary camera

The smartphone features an amazing 20MP front camera. This means that you can spend hours taking selfies and capturing the world around you. It also comes with a mode that adds more brightness and visual detail to all the images that you click. Apart from this, the Vivo V5 boasts of an impressive 13MP rear camera that takes the phone’s photography a notch higher.

Crystal clear display

The smartphone features a wide 5.5-inch screen that provides you with a magnificent viewing experience. It has a stunning 1280 x 720p resolution that delivers bright and realistic visuals. This means that you can now enjoy a fully immersive viewing experience on your phone itself!

Cutting edge security with fingerprint unlocking

The smartphone uses a unique identifier as an unlocking password. It has an advanced fingerprint reader that ensures your phone is as safe as it can be. The technology is swift, ensuring that it detects your fingerprint within seconds and unlocks your phone instantly. Now you do not have to go through the hassle of setting up and remembering complicated numeric or alphanumeric passwords. All you have to do is place your finger on the scanner.

Smart UI and software:

The Vivo V5 is equipped with an innovative Smart Split 2.0 interface that makes multitasking a joy. This means that if you receive a text message while watching a video, you can immediately reply to the message without pausing or closing the video. The Vivo V5 lets you seamlessly switch from one application to another without any lag. Additionally, you have at your disposal the chance to use Fun Touch OS 2.6. This OS stands out for its simple interface, one-touch optimisation, and anti-virus application. It also has other innovative features that simplify usage such as Smart Motion, Guard Mode, Wake Up, and much more.

Stellar Performance:

A combination of 4GB RAM, 32GB ROM, and a blazing fast Octa-core processor ensures that the Vivo V5 is always at the top of its game. By helping the phone work smoothly, the processor ensures that there are no unexpected glitches or freezes even when you run various heavy content such as games and videos.

You can now shop online at the Bajaj Finserv EMI Store. Make a smart purchase using their No Cost, zero-interest EMIs. This store offers a vast selection of consumer durables for you to pick from. This, coupled with its equally diverse selection of brands makes it an excellent store.

Get your Vivo V5 on EMI here

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