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    Introducing TRUE EMI

    India’s first payments terminal offering unrestricted zero-cost EMI’s to retail merchants.

    • More products on Zero Cost EMI than any other terminal
    • More sales for your partner merchants
    • More business for distributors

    What’s more! Now even your merchant partners from across India can benefit from unparalleled zero-cost EMI offers just like several large merchants using Innoviti’s terminals do.

    What our Distributor partners say

    TRUE EMI is the right solution for your Merchant Partners

    India’s first payments terminal offering unrestricted zero-cost EMI’s to retail merchants.

    Regular Brand EMI products in market are restricted. Zero-cost EMI’s are limited to a select brands and high-end product models.

    TRUE EMI truly democratizes the access to credit, making zero-cost EMI available on every product, every day.




    MDR / DPD on BrandEMI Transactions0.90%1.50%1.77%
    Lowest MDR on BrandEMI Transactions
    All brands / product eligible
    Instant EMI Approval
    Down Payment0%0%20%
    Eligible customer (in crores)3294
    Instant customer (30 mins)
    Link exiting Current Account NA
    Dispute Management

    Partner for a Digital India

    By democratizing the access to zero-cost EMIs for people who require affordability, Innoviti is striving to contribute to the Digital India movement. Work with us to empower small retail merchants with a fair chance of extending zero-cost EMI’s on every product, every day just like large online players or retail chains do.


    Trusted by leading banks and brands


    Supported by marquee investors


    Proven solution at most of the large retailers in India


    15 warehouses across India for immediate support


    Dedicated relationship managers for Sales and Support

    Our Leading Distributors

    Digital payments in India is poised to see an unprecedented growth in coming years. India continues to witness an unparalleled YOY growth in POS terminal adoption and an ever increasing number of digital payment transactions.

    Innoviti is committed to help our distributors participate in making India cashless while growing their business. With our TotalEMI & TRUE EMI range of products our distributors can enable their merchant partners extend zero-cost EMI to their customers. Some of our leading distributors are:

    SGS Marketing, Guwahati | RG Cellulars, Kolkata | RJS Enterprises, Bhubaneswar | Navkar Multi ventures, Mumbai | Future Marketing, Nagaon

    Partner with us, now

    Empower your partner merchants with unrestricted zero-cost EMI offers to help them grow their business.

    Get in touch with us

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