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Annual Membership

Protect every EMI for just ₹99 a year.

One membership covers your eligible loan instalments when life gets unpredictable. No fine print, no surprises.

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₹99/ year

Covers eligible EMIs for 12 months

EMI protection for up to 3 missed instalments a year
Covered events: job loss, illness, accident & hospitalisation
No impact on your credit score for protected EMIs
Claims settled directly to your lender in 4–7 days

Cancel anytime · No hidden charges

What you get

Clear limits, fair timelines, and room to extend.

EMI Protection Limit

₹50,000 / event

Each eligible claim can cover a single EMI up to ₹50,000. You can raise up to 3 successful claims every membership year.

Repayment Period

90 days interest-free

Repay the protected EMI amount back to epkart within 90 days at zero interest. No penalties if settled early.

Extension Plans

Optional top-ups

Need more cover? Extend your protection limit or repayment window with affordable monthly add-on plans.

Membership Benefits

Everything included in your yearly plan.

EMI protection for up to 3 missed instalments a year
Covered events: job loss, illness, accident & hospitalisation
No impact on your credit score for protected EMIs
Claims settled directly to your lender in 4–7 days
One simple plan, no hidden charges or upsells
Cancel anytime — no lock-in or cancellation fee
Extension Plans

Add extra cover when you need it.

Optional top-ups you can buy anytime during your membership year. Choose what fits your EMIs.

Your total

99

Secure your EMIs in 90 seconds.

Join thousands of members who never worry about missing a loan instalment.

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