Samsung Galaxy Z Fold8, Flip8 get 30-month no-cost EMI in India
Synopsis
Samsung has stretched the EMI window to 30 months — the longest yet for its foldables in India — cutting the monthly cost of the Galaxy Z Fold8 Ultra to ₹6,667, about 9% less than last year's model. It is a calculated bet that longer tenure, not lower price, is the key to cracking India's aspirational premium buyer.
Key Takeaways
Samsung launched a 30-month no-cost EMI plan for its new foldables in India on Monday .
The Galaxy Z Fold8 Ultra (from ₹1,99,999 ) is available at ₹6,667/month — roughly 9% lower than the previous generation's EMI.
The Galaxy Z Fold8 (from ₹1,79,999 ) starts at ₹6,000/month ; the Galaxy Z Flip8 (from ₹1,24,999 ) at ₹4,167/month .
Financing is via Samsung Finance+ , backed by DMI Finance , TVS Credit , IDFC FIRST Bank , and Poonawalla Fincorp .
Zero down payment is required; all three models carry online-exclusive colour options.
Samsung on Monday launched a 30-month no-cost EMI programme in India for its newly released foldable smartphones — the Galaxy Z Fold8 Ultra, Galaxy Z Fold8, and Galaxy Z Flip8 — with zero down payment required. The financing initiative is designed to lower the monthly cost of ownership and widen access to Samsung's premium Galaxy AI-powered devices.
EMI Breakdown and Pricing
Under the scheme, the Galaxy Z Fold8 Ultra — priced from ₹1,99,999 — is available at a monthly EMI starting at ₹6,667, which Samsung says is approximately 9% lower than the EMI for the previous-generation Galaxy Z Fold7. The Galaxy Z Fold8, starting at ₹1,79,999, can be financed at ₹6,000 per month, while the Galaxy Z Flip8, priced from ₹1,24,999, is available at as low as ₹4,167 per month.
Financing Partners
The 30-month no-cost EMI option is being offered through Samsung Finance+, powered by DMI Finance, TVS Credit, IDFC FIRST Bank, and Poonawalla Fincorp. The extended repayment tenure, Samsung said, provides consumers greater flexibility while allowing them to access flagship foldable technology without a large upfront outlay.
What the Devices Offer
The Galaxy Z series builds on seven generations of foldable innovation, incorporating improvements in hinge technology, display engineering, and durability alongside flagship-level performance. All three models come equipped with Galaxy AI features and reflect user feedback gathered across previous generations.
In terms of colour availability, the Galaxy Z Fold8 Ultra comes in Violet Shadow, Graphite, Cream, and the online-exclusive Green Shadow. The Galaxy Z Fold8 is available in Lavender, Graphite, Cream, and the online-exclusive Pistachio, while the Galaxy Z Flip8 is offered in Pink, Graphite, Cream, and the online-exclusive Mint.
Why This Move Matters
India's premium smartphone segment has seen rising demand, yet high upfront costs remain a barrier for a large share of aspirational buyers. By stretching repayment to 30 months — longer than the industry-standard 12-to-18-month EMI windows — Samsung is directly targeting fence-sitters who want flagship foldable hardware but are deterred by five- and six-figure price tags. Notably, this is the first time Samsung has offered a 30-month no-cost EMI window for its foldable lineup in India, signalling a deliberate push to grow the foldable category beyond early adopters.
Point of View
A model that has worked for two-wheelers and consumer durables in India for decades. The risk is that a 30-month commitment on a device category that refreshes annually could leave buyers locked into hardware that feels dated well before the final instalment. Whether this genuinely expands the foldable user base or simply pulls forward demand from existing Samsung loyalists will be the real measure of the programme's success.
NationPress
3 Aug 2026
Frequently Asked Questions
What is Samsung's 30-month no-cost EMI offer for Galaxy foldables in India?
Samsung has introduced a 30-month no-cost EMI plan for the Galaxy Z Fold8 Ultra, Galaxy Z Fold8, and Galaxy Z Flip8 in India, with zero down payment. Monthly instalments start at ₹6,667, ₹6,000, and ₹4,167 respectively.
Which banks and lenders are offering the Samsung 30-month EMI?
The financing is available through Samsung Finance+, powered by DMI Finance, TVS Credit, IDFC FIRST Bank, and Poonawalla Fincorp. Customers can choose from these partners at the point of purchase.
What are the prices of the Galaxy Z Fold8 Ultra, Fold8, and Flip8 in India?
The Galaxy Z Fold8 Ultra starts at ₹1,99,999, the Galaxy Z Fold8 at ₹1,79,999, and the Galaxy Z Flip8 at ₹1,24,999. All three are available in multiple colour options, with select shades sold exclusively online.
How does the Galaxy Z Fold8 Ultra EMI compare to the previous model?
Samsung says the ₹6,667 monthly EMI for the Galaxy Z Fold8 Ultra is approximately 9% lower than the EMI for the previous-generation Galaxy Z Fold7, making it relatively more affordable on a month-to-month basis.
Why is Samsung offering a longer 30-month EMI instead of the usual 12-18 months?
Samsung says the extended tenure gives consumers greater flexibility and lowers the monthly cost barrier to owning premium foldable technology. The move targets aspirational buyers who want flagship hardware but are deterred by high upfront payments.
