Never miss an EMI, whatever life sends.
epkart pays your loan instalments when you lose your job, fall ill or face an accident — so your credit score and your peace of mind stay intact.
A safety net built around one simple promise.
EMI Protection Kart is a membership that keeps your loan repayments on track when income stops. We built it for salaried and self-employed Indians who have worked hard for their credit history.
Instead of complex insurance paperwork, epkart is a single yearly membership. Join once, link your loans, and we handle the rest through a mobile-first experience.
- One membership, all your eligible loans
- Transparent pricing with zero hidden fees
- Support in English and Hindi, 7 days a week
One plan. One price. ₹99 a year.
No tiers, no upsells. Every member gets the same complete protection.
What's included
- Cover for up to 3 missed EMIs a year
- Job loss, illness and accident events
- Priority claims desk with live tracking
- Credit score protection support
- Cancel anytime, no lock-in
Four boxes to tick. That's it.
Age 21 – 58
Any salaried or self-employed Indian resident within this age band can join.
An active loan
Home, car, personal or consumer-durable loan with a running EMI.
Basic KYC
PAN and Aadhaar verification completed inside the app in minutes.
No active claim
You should not have a pending default at the time of joining.
Built like a bank. Feels like an app.
Bank-grade security
256-bit encryption and audited infrastructure on every transaction.
Activate in 90 seconds
Link your loan, pay ₹99 and you're covered — no paperwork, no branch visits.
Claims settled in days
Upload three documents. We track every claim to closure with live updates.
Credit score shield
A rough month never becomes a five-year record on your credit report.
From sign-up to payout in four steps.
Join the membership
Sign up with your mobile number and pay ₹99 for a full year of cover.
Link your loan
Add your lender and EMI details so we know exactly what to protect.
Raise a claim
Hit a rough patch? Raise a claim in the app with three documents.
We pay the EMI
Approved claims are paid directly to your lender before the due date.
Questions, answered.
Your EMIs deserve a safety net.
Join 1.9 lakh Indians protecting their instalments with epkart.
Join for ₹99/year