India's only loan product with a built-in EMI Holiday. Move in, set up your business, or breathe easy — start repaying only when you're ready.
Holiday in EMI is a moratorium arrangement — the lender defers your EMI repayment start date. Interest accrues (as per RBI rules), but your monthly obligation is zero during the holiday period.
Tell ARIA you want the EMI Holiday product. She checks your income, CIBIL, and loan type against lenders who offer this moratorium structure.
Pick 3 or 6 months. 3 months is standard for most profiles. 6 months is available for home loans and business loans with strong income proof.
FLOCRED's advisor processes your application with the right lender — those with explicit moratorium policies. No rogue clauses, no interest capitalisation traps.
Loan disbursed. Zero EMI for your chosen period. When the holiday ends, your regular EMI begins — no prepayment penalty if you want to close early.
Real scenarios where a 3–6 month breathing window changes everything.
Your loan is disbursed but the flat isn't ready yet. Why pay EMI on a house you're not living in? The holiday covers your rent + possession gap.
You need capital to set up — inventory, interiors, licenses. Revenue takes 2–3 months to start. EMI Holiday bridges that gap without cashflow stress.
Joining a new job? First 3 months often have lower take-home (training pay, probation). EMI Holiday aligns with your ramp-up period.
Check your profile against our lenders' EMI Holiday criteria. ARIA qualifies you in 2 minutes.
| Feature | FLOCRED Holiday EMI | Regular Loan |
|---|---|---|
| EMI in Month 1 | ₹0 | Full EMI |
| Cash buffer post-disbursal | 100% free | Tied up in EMI |
| Interest during holiday | Accrues (RBI rule) | — |
| Prepayment penalty | None | Varies by lender |
| Holiday duration | 3–6 months | None |
| CIBIL impact | Zero during holiday | — |
Free. No CIBIL impact. ARIA responds in 2 minutes.
Yes — per RBI guidelines, interest accrues during any moratorium period. This is not hidden: ARIA and our advisors disclose the exact additional interest cost before you apply. For a 3-month holiday on a ₹10L personal loan, the additional interest is typically ₹2,500–₹5,000. Most borrowers find this trade-off worth it for the cashflow flexibility.
FLOCRED identifies and negotiates moratorium-friendly lenders on your behalf. The Holiday in EMI structure is offered through specific partner lenders who allow deferred EMI start dates. FLOCRED's role is matchmaking and processing — the loan itself is from a regulated bank or NBFC.
Yes. The holiday is a maximum duration — you can begin paying any time you want. Starting early reduces your total interest cost. There is no prepayment penalty for any holiday-period EMI you choose to make.
Nothing negative. The lender reports your account as "0 EMI due — moratorium active" during the holiday period. This does not lower your CIBIL score. Once regular EMIs begin, on-time payments start building your score as normal.
Those are post-default measures. Holiday in EMI is structured upfront — built into your loan agreement from day one. It is not a sign of financial stress; it is a planned feature of your loan product.
Only FLOCRED offers this in Delhi NCR. Check your eligibility in 2 minutes — free, zero CIBIL impact.