OFFER VALIDITY-

UPTO 15% INSTANT CASHBACK

 CREDIT AND DEBIT CARD SCHEME

ON

&
 NO COST EMI
3 6
months & months

• POWERED BY :-

&
NO COST EMI BANK PARTNERS
 UPTO 15% INSTANT
CASHBACK UPTO RS 5,000

CASHBACK PARTNERS
 UPTO 15% INSTANT
and Paytm CASHBACK

OFFER DETAIL
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,WATER PURIFIERS AND AIR COOLER.
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs and Paytm Terminals. Applicable on Credit and Debit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 5,000 and transaction of above Rs 5,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback . For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback.
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs and Paytm Terminals.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on Pine labs and Paytm terminal, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3, 6, 9 and 12 months EMI only.
13. The offer is non-transferable , non - binding and non cashable
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date .
15. In case of DCEMI where instant cashback is not available, cashback will get posted only after successful payment of First 3 consecutive EMI's.
16. Maximum One Transaction permitted per Card for cashback during the offer period.
17. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the
Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
18. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or
vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or
withdraw this Offer altogether.

*Instant
cashback could be availed at the time of billing. i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pine labs
Terminals
 UPTO 15% INSTANT
CASHBACK

OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,WATER PURIFIERS AND AIR COOLER.
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs and Paytm Terminals. Applicable on Credit and Debit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 5,000 and transaction of above Rs 5,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback. For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs and Paytm Terminals.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on pine labs and Paytm terminal, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3, 6, 9 and 12 months EMI only,
13. The offer is non-transferable ,non - binding and non cashable
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date .
15. In case of DCEMI where instant cashback is not available, cashback will get posted only after successful payment of First 3 consecutive EMI's.
16. Maximum One Transaction permitted per Card for cashback during the offer period.
17. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the
Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
18. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or
vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or
withdraw this Offer altogether.

*Instant cashback could be availed at the time of billing .i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pinelabs
Terminals
 UPTO 15% INSTANT
CASHBACK

OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,WATER PURIFIERS AND AIR COOLER.
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs Terminals. Applicable only on Credit and debit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 20,000 and transaction of above Rs 20,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs Terminals.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on Pine labs terminal, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3,6,9 and 12 months EMI only.
13. The offer is non-transferable ,non- binding and non cashable
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date .
15. In case of DCEMI where instant cashback is not available, cashback will get posted only after successful payment of First 3 consecutive
EMI's.
16. Maximum One Transaction permitted per Card for cashback during the offer period.
17. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and
the Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
18. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change
or vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend
or withdraw this Offer altogether.

*Instant cashback could be availed at the time of billing.i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pine labs
Terminals
 UPTO 15% INSTANT
CASHBACK

OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,WATER PURIFIERS AND AIR COOLER.
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs and Paytm Terminals. Applicable only on Credit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 5,000 and transaction of above Rs 5,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback. For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback.
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs and Paytm Terminals.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on Pine labs and Paytm terminal, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3,6,9 and 12 months EMI only
13. The offer is non-transferable ,non- binding and non cashable.
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date.
15. Maximum One Transaction permitted per Card for cashback during the offer period.
16. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the
Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
17. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or
vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or
withdraw this Offer altogether.

*Instant cashback could be availed at the time of billing.i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pine labs
Terminals
 UPTO 15% INSTANT
CASHBACK

OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,WATER PURIFIERS AND AIR COOLER.
2. Valid from 01.03.2022 to 31.03.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs and Paytm Terminals. Applicable only on Credit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 5,000 and transaction of above Rs 5,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback. . For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs and Paytm Terminals.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on Pine labs and Paytm terminal, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3, 6,9 and 12 months EMI only.
13. The offer is non-transferable ,non - binding and non cashable
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date.
15. Maximum One Transaction permitted per Card for cashback during the offer period.
16. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the
Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
17. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or
vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or
withdraw this Offer altogether.

*Instant cashback could be availed at the time of billing .i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pine labs
Terminals
 UPTO 15% INSTANT
CASHBACK

OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,AIR COOLERS, WATER PURIFIERS AND AIR COOLER.
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs and Paytm Terminals. Applicable only on Credit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 7,000 and transaction of above Rs 7,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback . For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs and Paytm Terminals.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on Pine labs and Paytm terminal, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3, 6,9 and 12 months EMI only.
13. The offer is non-transferable ,non- binding and non cashable
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date.
15. Maximum One Transaction permitted per Card for cashback during the offer period.
16. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the
Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
17. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or
vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or
withdraw this Offer altogether.

*Instant cashback could be availed at the time of billing.i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pine labs
Terminals
 UPTO 15% INSTANT
CASHBACK

OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,WATER PURIFIERS , AIR COOLERS AND AIR COOLER.
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs and Paytm Terminals. Applicable only on Debit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 7,000 and transaction of above Rs 7,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs and Paytm Terminals.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on pine labs and Paytm terminal, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3,6,9 and 12 months EMI only.
13. The offer is non-transferable , non - binding and non cashable.
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date.
15. In case of DCEMI where instant cashback is not available, cashback will get posted only after successful payment of First 3 consecutive EMI's
16. Maximum One Transaction permitted per Card for cashback during the offer period.
17. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the
Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
18. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or
vary all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or
withdraw this Offer altogether.

*Instant cashback could be availed at the time of billing.i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pine labs
Terminals
 UPTO 15% INSTANT
CASHBACK

• OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER,WATER HEATERS ,WATER PURIFIERS , AIR COOLERS, AND AIR COOLER
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs and Paytm Terminals. Applicable only on Credit card EMI.
4. Up-to 15% cashback up-to Rs 5,000.
5. Applicable on select products of above Rs 7,000 and transaction of above Rs 7,000
6. Relevant cashback would be given as per attached product list, there would be no degradation of cashback For product where 10 % cashback is applicable,
transaction amount should be of above Rs 40,000 .In case, transaction amount is less than Rs 40,000 ,customer would not be eligible for any cashback
7. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
8. To avail EMI option, you need to inform the store staff that the swipe needs to be done on LLOYD BRAND EMI on Pine Labs.
9. Cashback is available only at authorised stores.
10. Cashback amount would be printed on charge slip for eligible transactions. Customer will not receive Cashback if not eligible as per charge slip.
11. Cashback offer will be applicable only if the card is swiped on pine Labs, valid on 3,6, 9 and 12 months EMI.
12. Cashback offer is applicable on 3,6,9 and 12 months EMI only.
13. The offer is non-transferable , non - binding and non cashable.
14. Cashback would be instant, in case of non-availability of instant cashback, Cashback amount will be credited within 90 days after offer end date.
15. Maximum One Transaction permitted per Card for cashback during the offer period.
16. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and the
Bank and Havells India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
17. Bank and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary
all or any of these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or withdraw
this Offer altogether.

*Instant cashback could be availed at the time of billing.i.e. customer would get instant discount of the
cashback amount at the time of billing. They would not have to wait for 90 days to receive the cashback
amount. Instant cashback is available at select counters. Instant cashback is available only on Pine labs
Terminals
 4% CASHBACK ON NON – EMI TRANSACTIONS
4% Instant Cashback Up-to CASHBACK PARTNERS
Rs 2,000 On Non- EMI
Transaction

Applicable on all
inverter Ac models
and only on Credit
cards

POWERED BY :-
PAPER FINANCE
PAPER FINANCE PARTNER
 FIXED EMI

REF AND WM

SCHEME CONSTRUCT

MAXIMUM
PRODUCT FIXED EMI TENURE ADV EMI
REFRIGERATOR 1,777 24 0,4
WASHERS & DIRECT COOL
REFRIGERATORS 1,277 24 0,3,5

• APPLICABLE ON SELECT DIRECT COOL ,FROST FREE & SBS REFRIGERATORS AND WASHING MACHINE MODELS.
 PAPER FINANCE SCHEMES

SCHEME DEALER BUYDOWN CUSTOMER PF MODEL CHANNEL

8/0 3.45% NIL All NV AC,FL & TL ALL
WM,REF ,LED,WP AND
WH.
1
12 / 4 2.50% NIL ALL PRODUCTS ALL
10 /2 3.25% NIL FIXED AND INV.AC.FL ALL
AND TL WM,REF,LED.
15/5 3% NIL FL AND TL WM,FF AND ALL
SBS REF
18/6 3.50% NIL FL AND TL WM,FF AND ALL
SBS REF

*For scheme wise product list, please refer attachment

BUY NOW PAY LATER
POWERED BY
 10% CASHBACK

OFFER DETAILS
1. Applicable only on select purchase of AC,LED,REFRIGERATORS,WM,DISHWASHER, WATER HEATERS ,WATER PURIFIERS, AND AIR COOLERS
2. Valid from 01.04.2022 to 30.04.2022
3. Cashback is applicable only on EMI transaction done on Pine Labs Terminals.
4. 10% cashback up-to Rs 4,000.
5. Applicable on select products of above Rs 10,000 and transaction of above Rs10,000
6. Cashback is eligible on single transaction and bill cannot be clubbed to avail the same.
7. To avail EMI option, you need to inform the store staff that the transaction needs to be done on LLOYD BRAND EMI on Pine Labs Terminals.
8. Cashback is available only at authorised stores.
9. Cashback offer will be applicable only if the transaction is done on Pine labs terminal.
10. Cashback offer is applicable on 3/0 ,6/0 AND 12/4 Scheme
11. The offer is non-transferable , non - binding and non cashable.
12. Cashback amount will be credited post timely payment of first 3 EMI .To avail the offer ,customer needs to give missed call on 08046810117 after the invoicing of the product
is done .Missed call should be from customers registered mobile number on Zest
13. Cashback can be availed only once per registered number.
14. All taxes, duties, levies or other statutory dues and charges payable in connection with the benefits of the Offer shall be borne solely by the Customer and Zest and Havells
India Ltd will not be liable in any manner whatsoever for any such taxes, duties, levies or other statutory dues and charges.
15. Zest and Havells India Ltd reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of
these terms and conditions or to replace, wholly or in part this Offer by another offer whether similar to this Offer or not or to extend or withdraw this Offer altogether.

16. Customer has to register on Zest Money to avail the offer. Credit or Debit card not required .Eligible customer will get to know the eligible loan amount once he/she is
registered