EMI Plan
A home loan is a long-term commitment, yet a borrower's cash flow is rarely stable for the entirety of that tenure. Income disruptions are a natural part of the journey — a job transition, delayed business receivables, a medical emergency, or a temporary liquidity crunch can all affect a borrower's ability to pay on time. When a cash flow shortage arises, the resulting anxiety can be significant. Missing even a single EMI sets off a serious chain of consequences.
A sharp decline in credit score that can restrict future financial opportunities.
Compounding penal interest alongside persistent follow-ups from the bank's recovery team.
In an effort to stay current, borrowers often resort to high-interest unsecured personal loans — worsening their overall financial position.
The Solution
EMI Shield Pro is a proactive financial safeguard that transforms the rigid structure of traditional home loans into a flexible, borrower-friendly experience. Rather than scrambling for funds or risking default, subscribers rely on a dedicated buffer built into their plan. REBCO steps in as a financial shock-absorber, protecting both credit standing and peace of mind.
Clients choose EMI Shield Pro by paying a small subscription fee based on their monthly EMI.
If a client experiences a temporary cash flow shortage, they can activate their EMI protection by notifying REBCO 3–5 days ahead of their EMI due date. Once the request is approved, the client receives a flexible repayment window based on their chosen plan, and repays the EMI amount within the selected tenure along with the applicable service charge — ensuring the EMI is paid on time while giving the client room to manage cash flow challenges.
REBCO Ventures pays the scheduled EMI directly to the lender, preventing any payment default.
Clients receive a 60-day or 90-day repayment window (depending on their plan) to reimburse the EMI amount.
As long as repayment occurs within the selected tenure and on time, no additional interest or hidden charges apply.
Should repayment extend beyond the agreed tenure, the EMI amount paid by REBCO on the client's behalf will accrue interest at 1.5% per month until settled.
Note: To subscribe, customers must have a minimum of one year remaining on their loan tenure — this requirement does not apply to personal loans, credit cards, or MSME loans.
| Plan | Subscription Fee | Uses Available | Activation Period | Repayment Period | % for EMI Shield Activation |
|---|---|---|---|---|---|
| EMI Shield | 7% | 3 times | 60 days | 60 days | 12.99% |
| EMI Shield Pro | 18.99% | 5 times | 60 days | 90 days | Nil |
Customers may use EMI Shield or EMI Shield Pro up to three and five times annually, respectively, depending on their chosen plan — subject to full repayment of any previously outstanding amount.