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Punji Badhao Sapne Sajao

Buy your dream products without credit. Start saving, earn rewards and get the best price all across!
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Why buy with Punji today?

We help you buy your dream products at the lowest guaranteed price and with the retailer of your choice ANYTIME, ANYWHERE. Earn rewards with every purchase and save even more.

Best Prices

Punji offers you the best guaranteed prices in the market for products of your choice. Shop smart, save smarter today.

Exciting Rewards

Save more to earn more. Maximize your savings and earn rewards with Punji and get benefits every time you invest.

Withdraw Anytime

Quick and secure withdrawals. Easy access to your savings with no hidden fees or charges. All at your convinience.

Buy from trusted brands & retail stores

Providing high-quality products and services with warranties, guarantees, and customer support.
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How to start using Punji today?

Start small for your bigger shopping goals with your choice of punji saving plans in 3 easy steps and save more to shop more.
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3 Easy Steps

Unlock a world of savings with just three simple clicks! Whether you're looking to purchase your dream product or just want to save money while shopping, Punji makes it quick and effortless.
01

Select

Choose a plan that fits your lifestyle. See the benefits on your own terms in various plans ranging from 3 - 6 - 12 months.
02

Save & Earn

Keep saving in your Punji to earn exciting rewards. With Punji, you'll never have to worry about missing out on a great deal again.
03

Buy

Now buy at lowest guaranteed prices with ease access to exclusive deals and discounts on your favorite products.

    Start your punji today

    Punji badhao, Sapne sajao.

    Small Savings, Big Buys, Bigger Rewards.

    Small deposits become big with time. Plan better by making your Punji today!

    FAQs

    What is Save Now Buy Later (SNBL)?

    SNBL is a fresh type of short-term financing that helps customers save, to enable future purchases. This method is in contrast to Buy Now Pay Later (BNPL), which allows consumers to make purchases and pay for them at a future date.

    Is SNBL better than Fixed Deposits (FD)?

    SNBL is better than FD because breaking an FD leads to reduced interest rates and penalties. With SNBL plans, users are free to withdraw their money, although they forfeit rewards earned while saving.

    What makes Punji the best SNBL option?

    There are 3 ways in which you can save money for buying the products you aspire to own

    1. Save the money at home – You earn zero money on that, chances are also that you may spend the money or someone else in the family may use the money for something else.
    2. You deposit it in your normal savings bank account – you will only earn merely 2.7% per annum, Plus there is some hassle to go and deposit the money every time.
    3. Save with Punji app linked with your Fino Bank Account
      • You earn 2.5% p.a as bank interest – so we match with your bank account
      • You earn 10% p.a Punj rewards on all your savings that can be used against your future purchases
      • You earn 5% p.a Bonus Punj rewards on all your savings schemes of less than 6 months OR 10% p.a bonus on saving schemes of less than 3 months.

    How can I create an SNBL plan with Punji?

    Creating a SNBL plan is easy and straightforward. First, decide on your timeframe, whether it’s 3 months, 6 months or 12 months. Once you have your timeframe in mind, you can begin saving every month to meet your specific goals and objectives for that period. With a clear plan in place, you’ll be on your way to achieving your buying goals in no time.

    Can I make auto deposits through Punji?

    With Punji, you can set up automatic deposits, so you can save money effortlessly. Whether you choose a plan for 3 months, 6 months or 12 months, you can be sure that Punji will help you reach your goals.

    Am I allowed to change my goal duration?

    Creating a SNBL plan is not only easy, but also flexible. You can choose a plan that fits your lifestyle and goals, whether it’s 3 months, 6 months or 12 months. The best part is that you can adjust it as you go along.

    Who guarantees the safety of my money?

    Your money is 100% safe in your own Fino bank account, Punji does not keep your money, it directly gets deposited to your bank account immediately, you can check the money in your account at any point in time and can redeem the scheme anytime and withdraw your money.

    How is Punji able to provide extra discounts on products?

    We have tied up with large brands and distributors, who give us additional discounts as lacs of customers opt for Punji Schemes every year.

    Can I withdraw money if I don’t want to continue?

    Yes, you can redeem your scheme anytime you want and withdraw the money by direct transfer or on any of the 8 lac Fino merchant stores across India.