iPhone 18 on EMI
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Buy iPhone 18 on EMI!
The iPhone 18 Pro is here, and it is Apple's biggest upgrade yet - the A20 Pro chip, a 48MP variable-aperture camera, 50% better low-light performance, and up to 2TB of storage. It starts at ₹1,64,900. Paying that in one go is a big ask, but you do not have to. Buy your iPhone 18 on loan from Piramal Finance and the same phone becomes ₹3,680 a month, with a flexible EMI, interest from 12.14%* p.a., zero down payment and instant disbursal straight to your bank account. Apply Now!
How to get iPhone 18 Pro & Pro Max on EMI without a Credit Card?
Getting any version of the iPhone 18, including the Pro Max, on EMI with zero down payment through Piramal Finance is easy! Just follow these 3 simple steps:
- Step 1: Apply for an Instant Loan Online
- Get the funds you need in minutes! Apply online for an instant loan by submitting your digital documents to finance any version of the iPhone 18, including the Pro Max. The process is quick, hassle-free, and completed in just a few minutes.
- Step 2: Set Up Your EMI Plan
- Choose a repayment plan that suits you best. Decide your loan tenure, anywhere from 9 to 60 months, and set up a flexible EMI cycle for your budget.
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Step 3: Buy Your iPhone 18
- Once your loan is credited to your bank account, pre-order or purchase any version of the iPhone 18 Pro or Pro Max at your nearest store or online shopping website. Because you pay the seller in full, you can still stack any bank cashback or exchange offer running on launch day.
- No credit card? No problem! With these 3 simple steps, getting your dream iPhone 18 on loan with Piramal Finance is easier than ever.
iPhone 18 EMI Calculation
This table shows the iPhone 18 Pro EMI cycle for five years with a 12.14%* interest rate. (The loan amount is ₹1,64,900 for the 256 GB iPhone 18 Pro based on the official Apple website pricing.)
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Labels:
- Year
- Principal Amount
- Interest payable
- Total Amount
- Monthly EMI
- Outstanding Balance
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Row 1:
- 1
- ₹ 25,528
- ₹ 18,629
- ₹ 44,157
- ₹ 3,680
- ₹ 1,39,372
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Row 2:
- 2
- ₹ 28,806
- ₹ 15,352
- ₹ 44,157
- ₹ 3,680
- ₹ 1,10,566
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Row 3:
- 3
- ₹ 32,504
- ₹ 11,654
- ₹ 44,157
- ₹ 3,680
- ₹ 78,063
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Row 4:
- 4
- ₹ 36,677
- ₹ 7,481
- ₹ 44,157
- ₹ 3,680
- ₹ 41,386
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Row 5:
- 5
- ₹ 41,386
- ₹ 2,772
- ₹ 44,157
- ₹ 3,680
- ₹ 0
iPhone 18 Pro (512 GB) EMI Calculation
This table shows the iPhone 18 Pro 512 GB EMI cycle for five years with a 12.14%* interest rate. (The loan amount is ₹1,89,900 based on the official Apple website pricing.)
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Labels:
- Year
- Principal Amount
- Interest payable
- Total Amount
- Monthly EMI
- Outstanding Balance
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Row 1:
- 1
- ₹ 29,398
- ₹ 21,454
- ₹ 50,852
- ₹ 4,238
- ₹ 1,60,502
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Row 2:
- 2
- ₹ 33,173
- ₹ 17,679
- ₹ 50,852
- ₹ 4,238
- ₹ 1,27,329
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Row 3:
- 3
- ₹ 37,432
- ₹ 13,420
- ₹ 50,852
- ₹ 4,238
- ₹ 89,898
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Row 4:
- 4
- ₹ 42,237
- ₹ 8,615
- ₹ 50,852
- ₹ 4,238
- ₹ 47,660
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Row 5:
- 5
- ₹ 47,660
- ₹ 3,192
- ₹ 50,852
- ₹ 4,238
- ₹ 0
iPhone 18 Pro Max EMI Calculation
This table shows the iPhone 18 Pro Max EMI cycle for five years with a 12.14%* interest rate. (The loan amount is ₹1,79,900 for the 256 GB iPhone 18 Pro Max based on the official Apple website pricing.)
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Labels:
- Year
- Principal Amount
- Interest Payable
- Total Amount
- Monthly EMI
- Outstanding Balance
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Row 1:
- 1
- ₹ 27,850
- ₹ 20,324
- ₹ 48,174
- ₹ 4,015
- ₹ 1,52,050
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Row 2:
- 2
- ₹ 31,426
- ₹ 16,748
- ₹ 48,174
- ₹ 4,015
- ₹ 1,20,624
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Row 3:
- 3
- ₹ 35,460
- ₹ 12,714
- ₹ 48,174
- ₹ 4,015
- ₹ 85,164
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Row 4:
- 4
- ₹ 40,013
- ₹ 8,161
- ₹ 48,174
- ₹ 4,015
- ₹ 45,150
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Row 5:
- 5
- ₹ 45,150
- ₹ 3,024
- ₹ 48,174
- ₹ 4,015
- ₹ 0
iPhone 18 Pro Max (512 GB) EMI Calculation
This table shows the iPhone 18 Pro Max 512 GB EMI cycle for five years with a 12.14%* interest rate. (The loan amount is ₹2,04,900 based on the official Apple website pricing.)
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Labels:
- Year
- Principal Amount
- Interest Payable
- Total Amount
- Monthly EMI
- Outstanding Balance
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Row 1:
- 1
- ₹ 31,720
- ₹ 23,148
- ₹ 54,869
- ₹ 4,572
- ₹ 1,73,180
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Row 2:
- 2
- ₹ 35,793
- ₹ 19,076
- ₹ 54,869
- ₹ 4,572
- ₹ 1,37,387
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Row 3:
- 3
- ₹ 40,388
- ₹ 14,480
- ₹ 54,869
- ₹ 4,572
- ₹ 96,998
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Row 4:
- 4
- ₹ 45,574
- ₹ 9,295
- ₹ 54,869
- ₹ 4,572
- ₹ 51,425
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Row 5:
- 5
- ₹ 51,425
- ₹ 3,444
- ₹ 54,869
- ₹ 4,572
- ₹ 0
iPhone 18 on Loan: EMI for Every Storage Variant
Every iPhone 18 Pro and iPhone 18 Pro Max variant - right up to the 2TB Pro Max at ₹3,29,900. Here is what each one works out to at 12.14%* p.a.
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Label
- Model & Storage
- Price (Apple India)
- EMI for 60 months
- EMI for 36 months
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Row 1
- iPhone 18 Pro 256 GB
- ₹1,64,900
- ₹3,680
- ₹5,488
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Row 2
- iPhone 18 Pro 512 GB
- ₹1,89,900
- ₹4,238
- ₹6,320
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Row 3
- iPhone 18 Pro 1 TB
- ₹2,39,900
- ₹5,353
- ₹7,984
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Row 4
- iPhone 18 Pro 2 TB
- ₹3,14,900
- ₹7,027
- ₹10,480
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Row 5
- iPhone 18 Pro Max 256 GB
- ₹1,79,900
- ₹4,015
- ₹5,987
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Row 6
- iPhone 18 Pro Max 512 GB
- ₹2,04,900
- ₹4,572
- ₹6,819
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Row 7
- iPhone 18 Pro Max 1 TB
- ₹2,54,900
- ₹5,688
- ₹8,483
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Row 8
- iPhone 18 Pro Max 2 TB
- ₹3,29,900
- ₹7,362
- ₹10,979
*Indicative EMIs at 12.14% p.a. Actual EMI depends on the interest rate offered to you, your tenure and applicable charges.
Phone 18 Pro vs iPhone 17 Pro: What the Upgrade Costs Per Month
Already own an iPhone 17 Pro, or deciding between the two? The iPhone 18 Pro costs ₹30,000 more, which works out to roughly ₹670 extra per month over a five-year tenure. Here is what that buys you.
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Label
- Specifications
- iPhone 17 Pro
- iPhone 18 Pro
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Row 1
- Starting Price (256 GB)
- iPhone 17 Pro: ₹1,34,900
- iPhone 18 Pro: ₹1,64,900
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Row 2
- EMI at 12.14%* for 60 Months
- iPhone 17 Pro: ₹3,010
- iPhone 18 Pro: ₹3,680
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Row 3
- Chip
- iPhone 17 Pro: A19 Pro, 6-core CPU, 6-core GPU, 16-core Neural Engine
- iPhone 18 Pro: A20 Pro, up to 20% faster CPU, up to 40% faster 7-core GPU, dual 16-core Neural Engine with twice the compute
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Row 4
- Sustained Performance
- iPhone 17 Pro: Vapour chamber cooling
- iPhone 18 Pro: Next-generation vapour chamber with three times the surface area - up to 40% better sustained performance
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Row 5
- Main Camera
- iPhone 17 Pro: 48MP Pro Fusion system, fixed aperture
- iPhone 18 Pro: 48MP Fusion Main with variable aperture (ƒ/1.48, ƒ/1.8, ƒ/2.8, ƒ/4.0) - around 50% better low-light performance at ƒ/1.48
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Row 6
- Zoom
- iPhone 17 Pro: Up to 8x optical-quality zoom
- iPhone 18 Pro: Up to 8x optical-quality zoom (unchanged)
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Row 7
- Maximum Storage
- iPhone 17 Pro: 1 TB
- iPhone 18 Pro: 2 TB
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Row 8
- Battery (Video Playback)
- iPhone 17 Pro: Up to 31 hours
- iPhone 18 Pro: Up to 43 hours
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Row 9
- Display
- iPhone 17 Pro: 6.3-inch Super Retina XDR, ProMotion 120Hz
- iPhone 18 Pro: 6.3-inch Super Retina XDR, ProMotion 120Hz, smaller Dynamic Island
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Row 10
- OS
- iPhone 17 Pro: iOS 26, upgradable
- iPhone 18 Pro: iOS 27 with Apple Intelligence
Still prefer the iPhone 17? It is on sale from ₹82,900 and you can finance it the same way - see our iPhone 17 on EMI page.
EMI Calculator
You can calculate the exact iPhone 18 EMI based on your tenure & total interest using the Piramal Finance EMI Calculator.
Documents Required for iPhone 18 EMI
To purchase an iPhone 18 on EMI, you need to submit a few essential documents to verify your identity, address, and income. The table below lists the documents required to apply for an iPhone 18 EMI.
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Labels:
- Document Type
- For Salaried Individuals
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Row 1
- ID Proof
- Aadhaar card, driving license, passport, PAN card, voter ID
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Row 2
- Residence Address Proof
- Aadhaar card, voter ID, utility bills, driving license
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Row 3
- Office Address Proof
- Not applicable
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Row 4
- Income Proof
- Bank account statement of salary account, salary slip of the last three months, Form 16
What are the applicable fees and charges for iPhone 18 EMI?
Some standard fees are as follows:
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Labels:
- Personal Loan Features & Fees
- Details
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Row 1
- Personal Loan Interest Rates
- 12.14%* p.a. onwards
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Row 2
- Loan Amount
- ₹50,000 to ₹5,00,000
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Row 3
- Processing Fees
- Up to 5% of loan amount
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Row 4
- Loan Tenure
- 9 - 60 months tenure
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Row 5
- Part Pre-Payment Charges
- 3% of principal outstanding + GST
*Terms & Conditions Apply
Benefits of Buying an iPhone 18 on Loan
- Affordable Ownership, Month by Month: A ₹1,64,900 iPhone 18 Pro becomes ₹3,680 a month over five years. Buying an iPhone 18 on loan turns a big one-time price into a small, predictable monthly amount that fits an ordinary salary.
- Your Savings Stay Where They Are: An EMI lets you keep your emergency fund, FDs and SIPs untouched instead of liquidating them for a phone, so the upgrade costs you a monthly instalment, not your investments.
- A Loan Amount That Covers the Whole Range: At ₹3,29,900, the iPhone 18 Pro Max may be difficult to pay for in a single transaction. A Piramal Finance personal loan of up to ₹5,00,000 can cover the cost of all the iPhone 18 Pro and Pro Max variants, including the 2TB models.
- No Credit Card Required: Avail zero down payment EMIs without a credit card and without blocking your card limit for the next five years.
- Pay Cash, Keep the Launch Offers: The loan is disbursed to your bank account, so you buy as a full-payment customer and remain eligible for exchange bonuses, bank cashback and store offers running at launch.
- Cutting-Edge Technology, Now Instead of Later: A vapour-cooled A20 Pro chip with up to 40% faster graphics, a 48MP variable-aperture camera that is around 50% better in low light, and up to 43 hours of video playback on the Pro Max, on a tenure you choose from 9 to 60 months.
More About the Apple iPhone 18 Series
Apple has unveiled the iPhone 18 Pro and iPhone 18 Pro Max as successors to the iPhone 17 Pro line-up. Both run on the new A20 Pro chip with a dual 16-core Neural Engine, ship with iOS 27 and Apple Intelligence, and introduce a 48MP Pro Fusion camera with a variable aperture - a first for iPhone. Storage now goes all the way to 2TB. Prices range from ₹1,64,900 to ₹3,29,900.
If paying upfront is difficult, choose monthly instalments. Get an instant loan from Piramal Finance and make owning the iPhone 18 simple and manageable.
iPhone 18 Series Pricing & Features
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Row 1
- iPhone 18 Variant
- Price
- Key Features
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Row 2
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Phone 18 Pro (256 GB, 512 GB, 1 TB, 2 TB)
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₹1,64,900 / ₹1,89,900 /₹2,39,900 /₹3,14,900
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- Display: 6.9-inch Super Retina XDR OLED, ProMotion up to 120Hz, 3,000 nits peak
- Chip: A20 Pro (2nm), 6-core CPU, 7-core GPU, dual 16-core Neural Engine
- Main Camera: 48MP Pro Fusion with variable aperture (ƒ/1.48–ƒ/4.0) + ultra-wide + telephoto up to 8x
- Selfie Camera: 18MP, ƒ/1.9, autofocus, 4K Dolby Vision
- Battery: Up to 43 hours video playback — the longest battery life on any iPhone; up to 50% charge in around 15 minutes with a 60W-capable adapter
- Colours: Black, Silver, Glacier, Burgundy
- Build: Aluminium unibody with Ceramic Shield 2 front and Ceramic Shield back - 3x better scratch resistance than iPhone 16 Pro; next-generation vapour chamber; 85% recycled aluminium
- OS: iOS 27 with Apple Intelligence
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-
Row 3
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iPhone 18 Pro Max (256 GB, 512 GB, 1 TB, 2 TB)
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₹1,79,900 / ₹2,04,900 / ₹2,54,900 / ₹3,29,900
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- Display: 6.9-inch Super Retina XDR OLED, ProMotion up to 120Hz, 3,000 nits peak
- Chip: A20 Pro (2nm), 6-core CPU, 7-core GPU, dual 16-core Neural Engine
- Main Camera: 48MP Pro Fusion with variable aperture (ƒ/1.48–ƒ/4.0) + ultra-wide + telephoto up to 8x
- Selfie Camera: 18MP, ƒ/1.9, autofocus, 4K Dolby Vision
- Battery: Up to 43 hours video playback — the longest battery life on any iPhone; up to 50% charge in around 15 minutes with a 60W-capable adapter
- Colours: Black, Silver, Glacier, Burgundy
- Build: Aluminium unibody with Ceramic Shield 2 front and Ceramic Shield back - 3x better scratch resistance than iPhone 16 Pro; next-generation vapour chamber; 85% recycled aluminium
- OS: iOS 27 with Apple Intelligence
-
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