Payment plans
Pay as your home takes shape — never ahead of it.
Start with a ₹999 token. Then four progress-linked milestones, or spread it on EMI. Every payment is against something you can see.
Progress-linked payments
On a ₹10 L project
₹999 token · adjusted
10%
₹1 L
Design sign-off · Day ~10
Approve 3D design + itemised quote. Booking token adjusted here.
40%
₹4 L
Material order · Day ~12
Boards, hardware and finishes ordered against your approved BOQ.
40%
₹4 L
50% execution · Day ~35
Released only when on-site work verifiably crosses halfway. Photo report shared.
10%
₹1 L
Handover · Day ~55
After snag-list closure and your sign-off. Warranty card issued.
Adjusted 100% against your first milestone. Refundable if you don't proceed within 30 days. No convenience fee on UPI / bank transfer.
02EMI calculator
Spread it out. See the exact monthly number.
No-cost EMI on 3/6/9 months; low-interest on 12–36 months through NBFC partners. Enter your project amount and pick a tenure.
Project amount
₹8 L
Tenure
EMI is offered through NBFC partners, subject to eligibility and KYC. No-cost EMI is available on select tenures; the interest is absorbed by us as a discount.
Your monthly EMI
₹71,454 / month
- Tenure
- 12 months
- Interest rate
- 13% p.a.
- Total interest
- ₹57,446
- Processing fee (1%)
- ₹8,000
- Total payable
- ₹8,65,446
Partners: Bajaj Finserv, IDFC FIRST, HDFC (via partner). Indicative; final terms per lender approval.
03Us vs. big brands
Same warranty. Friendlier terms.
We benchmarked our terms against the large interior brands operating in Delhi-NCR. Here's the honest side-by-side.
Refunds & cancellation
- Booking token refundable within 30 days if you don't proceed.
- Cancellation before material order: only design fee (₹15,000 or 2% of quote, whichever lower) is retained.
- After material order: custom-made items are billed at cost; balance refunded within 15 working days.
| Kowi | Typical big brand | |
|---|---|---|
| Booking / design fee | ₹999, adjusted | 5–10% or ₹25,000+ |
| Payment schedule | 10 / 40 / 40 / 10, progress-linked | Up to 60% before work starts |
| GST | Separate line, always visible | Often bundled into rate |
| Online payment fee | 0% (UPI / NEFT) | Up to 2% |
| No-cost EMI | Up to 9 months | Up to 9 months (with conditions) |
| Warranty (modular) | 10 years | 10 years |
| Modular delivery | 45 days target | 45–70 days |
| Quote format | Line-by-line BOQ with brands | Package summary |
08FAQ
Payment questions, answered.
Free site visit · Delhi-NCR
Get a 3D design and an itemised quote before you spend a rupee.
Tell us about your home. We visit, measure, and send a line-by-line quote in 7–10 days — no obligation to proceed.
