Case Study: How a Mobile Store Increased Sales 40% with EMI

In the competitive world of smartphone retail, standing out is tough — especially when every customer is hunting for the best price and the most flexible payment option. This mobile store case study reveals how one retailer achieved a remarkable 40% mobile store sales increase simply by introducing EMI offers for mobile phones using Secure EMI.

The Challenge: Converting Window Shoppers into Buyers

Mobile phones are essential, but their rising prices often delay customer decisions. Despite high footfall, the store faced a common problem — customers wanted premium phones but hesitated to make full upfront payments.

Offering traditional EMI through banks or credit cards was complex, involved third-party approvals, and excluded many customers without credit cards. As a result, the store lost out on 30–40% of potential conversions every month.

The Solution: Secure EMI’s Merchant-Funded EMI Platform

The store partnered with Secure EMI — a fintech platform that enables merchants to create custom EMI offers for mobile phones without needing a bank or credit card partner.

With Secure EMI, the merchant could:

• Offer flexible, instant EMI plans at checkout.
• Set interest-free or low-cost installment options.
• Automate recurring payments through UPI Autopay or NACH.
• Access a KYC-enabled, RBI-compliant infrastructure.

The result? A frictionless buying experience that empowered every customer to purchase their preferred smartphone confidently.

How It Works: Simplifying EMI for Every Customer

Secure EMI made it simple for the mobile store to start offering EMIs within days.

Here’s how it worked step-by-step:

1. Merchant Registration & KYC Verification

The store registered on Secure EMI and completed a quick online KYC verification process.

2. Create Custom EMI Plans

The merchant configured flexible EMI options — for example, 3, 6, or 9-month tenures — based on product pricing.

3. Customer Onboarding & Authorization

At checkout, customers selected “Pay via EMI.” They then authorized automated payments via UPI Autopay or NACH.

4. Automated Recurring Collections

Secure EMI handled the entire EMI lifecycle — from tracking payments to sending reminders and collecting EMIs automatically.

5. Instant Settlement & Dashboard Tracking

Merchants received settlements seamlessly and could track collections, due dates, and customer data through an intuitive dashboard.

Results: 40% Sales Growth in Just 3 Months

Within three months of adopting Secure EMI, the mobile store reported:

✅ 40% increase in total sales

✅ Higher conversion rates — especially for phones above ₹25,000

✅ 20% repeat customer growth

✅ Reduced payment delays and collection issues

By making smartphones more affordable, the store not only attracted new buyers but also strengthened customer loyalty.

Offering flexible EMI options empowered customers to buy premium smartphones without financial stress—helping the mobile store achieve a 40% sales increase while maintaining healthy profit margins.

Benefits of Offering EMI for Mobile Stores

Offering EMI offers for mobile phones isn’t just a convenience — it’s a business growth strategy.

Here’s how it transforms retail performance:

1. Boost Conversions and Sales

Flexible EMI options remove the “price hesitation” barrier. More customers commit to purchases when they can spread payments easily.

2. Expand Your Customer Base

Many buyers don’t own credit cards. With UPI Autopay-based EMIs, you can reach a wider audience who prefer direct bank payments.

3. Strengthen Customer Loyalty

By offering easy payment flexibility, you build long-term relationships and increase repeat sales.

4. Simplify Collections

Secure EMI automates the entire collection process — no follow-ups, no manual tracking. Payments are deducted automatically and securely.

5. Stay RBI-Compliant

The platform ensures every transaction and mandate aligns with NPCI and RBI guidelines, keeping your business fully compliant.

Real-Life Merchant Use Case: The Local Chain Advantage

After seeing success in one outlet, the mobile retailer expanded Secure EMI across its five branches. Each store offered on-the-spot EMIs through UPI Autopay.

Within six months:

• Average order value rose by 32%.
• Premium phone sales (₹30,000+) increased by 45%.
• Customer satisfaction scores improved significantly.

This EMI success story became the retailer’s competitive edge — allowing them to compete with online giants by offering the same affordability offline.

Why Merchants Prefer Secure EMI

Secure EMI simplifies the process for both merchants and customers.

• 100% Merchant-Funded — no bank tie-ups required
• Real-time dashboard for EMI tracking
• Instant EMI plan creation
• KYC-enabled customer verification
• Secure UPI Autopay & NACH payments
• RBI & NPCI compliant platform

FAQs about EMI for Mobile Stores

1. Do customers need a credit card for EMI?

No. Secure EMI works through UPI Autopay and NACH, allowing customers to set up EMIs directly from their bank accounts.

2. Is there any setup cost for merchants?

Setup is quick and cost-effective. Merchants can start offering EMIs in just a few steps after registration.

3. Are the EMI collections automated?

Yes. All collections are automated and securely handled through NPCI’s infrastructure.

4. Can merchants customize EMI tenures?

Absolutely. Merchants can define flexible durations, interest rates, and down payment structures.

Conclusion: Boost Your Mobile Store Sales with EMI

This mobile store case study clearly shows how offering EMIs can transform sales performance. With Secure EMI, merchants can provide flexible installment options that drive conversions, simplify collections, and build customer trust — all without banks or credit cards.

If you want to increase mobile sales with EMI and replicate this EMI success story, it’s time to take the next step.

👉 Get started with Secure EMI today and empower your customers with smarter payment options.