Diwali Season: Leverage Festive Sales by offering EMI on UPI to Your Customers

Key Takeaways:

• Diwali = peak shopping season. With festive sales crossing 4.25 lakh crore in 2024, this is your biggest growth window
• Customers prefer flexible payments over heavy upfront costs.
• By offering EMI on UPI, you can leverage the huge UPI-user pool and make the most out of India’s biggest shopping season.
• Snapmint has seen proven impact of EMI on UPI solutions. Brands see higher AOV, growth in GMV, and reduced RTOs with Snapmint.
• A white-labeled EMI solution strengthens your brand identity while ensuring customer satisfaction.

Introduction

Whether it's families upgrading the appliances, parents buying new clothes for their children, or corporates looking for ideal Diwali gifts - Diwali is the peak shopping season in India. According to the Confederation of All India Traders (CAIT), the festive business reached approximately ₹4.25 lakh crore in 2024, which stood at around ₹3.5 lakh crore in 2025.

To utilise the festive sales, which start from Raksha Bandhan and continue till Diwali and Chhath, brands need to understand what their customers want. If you want to know how to get more sales without spending lakhs on ads and marketing, EMI on UPI is a great solution for your brand.

Indian shoppers seek affordability and flexibility, not just discounts. Today’s customers prefer payment options that fit their monthly budgets, allowing them to buy premium products without the financial strain of paying upfront.

So, how do you make the most out of the festive season sale for your brand? Let’s find out.

How EMI on UPI Can Help Brands Convert More Festive Shoppers During the Festive Season Sale?

EMI on UPI has become the most significant growth lever for brands. Why? Because with the option of providing EMI on UPI, brands can tap into the funnel of 350 million UPI users without the dependency on credit cards. 

For D2C brands, that means higher conversions, bigger baskets, and more festive sales.

Festive shoppers today want the freedom to buy more without worrying about immediate payment pressures. That’s where EMI on UPI changes the game for both customers and brands:

No Credit Card Needed

With Snapmint, customers don’t need a credit card to shop on EMI. This makes it accessible to millions of new-to-bank customers who are eager but previously excluded from EMI benefits.With Snapmint, customers don’t need a credit card to shop on EMI. This makes it accessible to millions of new-to-bank customers who are eager but previously excluded from EMI benefits.

Flexible Ticket Sizes

Whether it’s a small festive buy like shoes or clothes or a premium appliance worth ₹2,00,000, Snapmint EMI on UPI works across categories. This means you can empower customers and boost average order values regardless of the ticket size.

Higher AOV

Wondering how to increase aov during the peak festive season? EMI on UPI solution is your answer.

When your shopper is not restricted by full upfront payment, he/she will have the flexibility to buy more premium products, thus increasing the average order value (AOV). This is not just a claim; Snapmint integrated brands have experienced 20-30% higher AOV.

Reduced RTOs

High Return-to-Origin (RTO) orders can eat into your margins. With Snapmint EMI on UPI solution, shoppers are more confident to complete their purchase when they can pay in parts instead of upfront. The result? Fewer cancellations and reduced RTO rates, directly protecting your bottom line.

Larger Baskets

Buyers usually prefer to pay in parts, rather than paying the full amount up front. When you give them the flexibility of EMIs, shoppers don’t limit themselves to one item. This means bigger baskets, higher bill values, and more revenue per customer.

Customer Loyalty

Festive shoppers are not just one-time buyers. Offering Snapmint EMI options builds trust by giving them affordability, transparency, and flexibility. That trust converts into repeat purchases, stronger brand affinity, and long-term loyalty beyond the festive season.

How to Offer EMI on UPI with Snapmint 

Offering no-cost and low-cost EMI has never been easier. With Snapmint’s affordability solutions, you can offer EMI on UPI to your customers and unlock 10x growth for your brand.

Quick onboarding and integration for merchants

Our team will give you a call within 24 hours of receiving your query. We offer seamless integration with over 20 platforms, including Shopify. 

White-labeled solution available

Conclusion: How to Increase Festive Sales

As a D2C brand, you need to understand that your customers are looking for smarter, stress-free ways to celebrate. By offering EMI on UPI, you give them the freedom to buy what they truly want, without the burden of paying everything up front. For brands, it’s not just about festive sales, but about building deeper connections and trust that lasts long.