Top 6 BNPL Apps in India for Smart Shopping in 2025

Last Updated on June 19, 2025 8:18:33 PM by Vivek Makwana

Discover the top 6 BNPL apps in India for 2025! Save on back-to-school & monsoon shopping with LazyPay, Simpl & more. Read now!

⚠️ Disclaimer:

This blog is for educational purposes only and does not constitute financial advice. Buy Now Pay Later (BNPL) services involve financial risk, late fees, and potential credit score impact. Always review the terms of each platform carefully and consult a certified financial advisor for personal guidance.

📌 Introduction: Smart Shopping in 2025

As we navigate through 2025, Indians are increasingly choosing smarter ways to manage their expenses. One of the most significant financial shifts is the growing popularity of Buy Now Pay Later (BNPL) apps. These tools empower users to make purchases instantly and repay the amount in small, manageable installments often without paying any interest if payments are made on time.

According to a 2024 report from the Economic Times, India had over 25 million BNPL users, and this figure is projected to grow by over 40% in 2025, driven by increased digital adoption and changing consumer behavior. Whether you’re buying groceries, electronics, or school supplies, BNPL apps help ease the burden of upfront payments.

In this post, Paise Ka Gyan brings you a detailed, trustworthy guide to the Top 6 BNPL Apps in India for 2025, with insights on who should use them, key features, and safety tips to avoid debt traps.

🤔 What Is BNPL and How Does It Work?

Buy Now Pay Later (BNPL) is a financial service that allows customers to make purchases and defer payments over a period typically in interest-free or low-interest EMIs (Equated Monthly Installments). Unlike traditional credit cards, BNPL services are more accessible, often requiring just a basic KYC (Know Your Customer) process and no hard credit check.

✅ Key Benefits of BNPL:

• Instant credit approval for eligible users
• Interest-free periods, especially for short tenures
• No credit history required for most users
• Wide acceptance across major e-commerce and retail platforms

BNPL is particularly useful for:

• Students buying books or gadgets
• Young professionals managing cash flow
• Families buying essentials during seasonal sales

However, like any credit product, responsible usage is key. Late payments can attract hefty penalties and negatively impact your credit score.

📈 Why BNPL Is Booming in India in 2025

BNPL isn’t just a convenience it’s a financial planning tool for millions of Indians. With high inflation and rising living costs, spreading out payments is a practical solution. Some reasons for its surge in popularity:

• 💰 Affordability: Stretch your budget without sacrificing needs.
• 📱 Accessibility: Just complete your KYC no CIBIL score required for small limits.
• 📊 Transparency: Most platforms are RBI or SEBI-compliant, with clear fee structures.

BNPL apps help users better manage cash flow, especially during seasonal shopping like the June back-to-school season or monsoon sales.

Top 6 BNPL Apps in India for 2025

We’ve reviewed the most reliable BNPL apps based on user experience, repayment terms, merchant partnerships, and RBI compliance. Here’s the list:

1. LazyPay

• Best For: Everyday purchases (groceries, dining, fashion).
• Credit Limit: Rs10,000–Rs1,00,000 (based on KYC).
• Repayment: 15 days interest-free or 3–6 month EMIs.
• Merchants: Swiggy, Zomato, BigBasket, Uber, Flipkart.
• Features:
  • No-cost credit for 15 days.
  • Instant digital KYC.
  • 100+ merchant integrations (LazyPay Official Website).
• Pros: Flexible repayment, cashback offers, quick onboarding.
• Cons: Late fees up to Rs500/day (verify terms).
• Why Choose?: Ideal for frequent, small purchases. For example, Aarav, a Mumbai student, bought a Rs3,000 raincoat, paying Rs1,000/month interest-free.
• Note: Fees and merchants may vary; check LazyPay’s terms.

2. Simpl

• Best For: Micro-purchases and seamless checkouts.
• Credit Limit: Rs2,000–Rs25,000.
• Repayment: Bi-monthly (every 15 days).
• Merchants: JioMart, Dineout, BigBasket, BookMyShow.
• Features:
  • Minimal KYC for low limits.
  • Fast checkout process.
  • Consolidated bill system (Simpl Official Website).
• Pros: No fees if paid on time, user-friendly app.
• Cons: Limited credit range, not for high-value purchases.
• Why Choose?: Perfect for small expenses like groceries or movie tickets.

3. Amazon Pay Later

• Best For: Amazon shoppers.
• Credit Limit: Rs3,000–Rs60,000.
• Repayment: 3–12 month EMIs, no interest on select short-term EMIs.
• Merchants: Amazon India only.
• Features:
  • 100% digital approval.
  • KYC via PAN + Aadhaar OTP.
  • One-tap checkout (Amazon Pay Later).
• Pros: Great for June sales (e.g., tablets, books).
• Cons: Amazon-only, interest on long EMIs.
• Why Choose?: Buy a Rs12,000 tablet in 6 EMIs of Rs2,000.

4. Flipkart Pay Later

• Best For: Flipkart and Myntra shoppers.
• Credit Limit: Rs5,000–Rs1,00,000.
• Repayment: 30 days interest-free or 3–12 month EMIs.
• Merchants: Flipkart, Myntra.
• Features:
  • One-click checkout.
  • EMI conversion (interest may apply).
  • Sale discounts (Flipkart Pay Later).
• Pros: High limits, integrated with Flipkart app.
• Cons: Interest on long EMIs, Flipkart ecosystem only.
• Why Choose?: Ideal for school uniforms or monsoon deals.

5. Paytm Postpaid

• Best For: Bills, recharges, and travel.
• Credit Limit: Rs1,000–Rs60,000.
• Repayment: 30 days interest-free.
• Merchants: Paytm Mall, IRCTC, Uber, bill payments.
• Features:
  • Auto-deduction option.
  • Easy activation via Paytm app.
  • Unified wallet interface (Paytm Postpaid).
• Pros: Trusted brand, simple for recurring payments.
• Cons: Limited to Paytm partners, no long-term EMIs, potential restrictions (verify status).
• Why Choose?: Great for electricity bills or train tickets.

6. MobiKwik ZIP

• Best For: Budget shoppers and small purchases.
• Credit Limit: Rs2,000–Rs2,00,000.
• Repayment: 15–30 days interest-free.
• Merchants: Swiggy, Uber, Nykaa, MakeMyTrip.
• Features:
  • Cashback on select merchants.
  • Quick activation (MobiKwik ZIP).
• Pros: High credit limit, cashback rewards.
• Cons: Late fees up to Rs300/day (verify terms).
• Why Choose?: Buy Rs1,800 monsoon supplies interest-free.

Note: Affiliate links may earn us a commission at no cost to you. Credit limits and fees depend on user eligibility; verify with each app.

How to Choose the Right BNPL App

Tip: Use 1–2 apps to track payments easily and avoid credit score risks.

Safety Tips for BNPL in 2025

• Budget Wisely: Only buy what you can repay. Priya saved Rs2,000 using Amazon Pay Later for a Rs6,000 school bag, paying Rs2,000/month.
• Pay on Time: Late fees (Rs100–Rs500/day) can add up; set reminders.
• Read Terms: Some EMIs (e.g., Flipkart Pay Later) may include interest.
• Track Spending: Use app dashboards or calendars to monitor dues.
• Choose RBI-Regulated Apps: All listed apps comply with RBI guidelines (RBI, 2024).

Disclaimer: BNPL is not free money. Overspending or late payments can harm your credit score. Consult a financial advisor.

Why June 2025 Is Ideal for BNPL

June brings back-to-school shopping (books, uniforms) and monsoon sales (raincoats, electronics). BNPL apps help you manage these expenses without upfront costs. For example, use LazyPay for Rs5,000 school books in 3 installments or MobiKwik ZIP for a Rs50,000 laptop over 30 days.

Conclusion

BNPL apps like LazyPay, Simpl, and MobiKwik ZIP are valuable tools for managing expenses in 2025. Used responsibly, they help you shop smarter without financial stress.

Disclaimer: BNPL Involves Risks. Verify Terms and Consult a Financial Advisor Before Use.