Beat the summer heat with the right AC choice—Split vs. Window AC for Indian homes and budgets. Buy now and pay later in Easy EMIs with Bajaj Finserv.
Indian summers bring intense heat, high humidity, and long scorching days, making an air conditioner more of a necessity than a luxury. The choice often comes down to split AC vs. window AC, each with its own advantages in cooling, installation, efficiency, and cost. Understanding these differences helps you pick the right AC to stay comfortable while keeping your budget in check. So, once you have figured out whether a split AC or window AC is the right fit for your home, the next step is making the purchase easy on your pocket.
Simply visit the Easy EMI loan page on the Bajaj Finserv website. Select your desired air conditioner, take your loan approval online and head to a partner store. Break down the total cost into Easy EMIs that suit your finances. For select models, enjoy zero down payment—take your preferred AC home right away with payments starting next month.
Split AC vs. window AC: Detailed comparison at a glance
Before choosing the right air conditioner, it is helpful to compare all the important factors side by side. Here is a more detailed breakdown to guide your decision:
| Feature | Split AC | Window AC |
| Cooling capacity | Strong, ideal for medium to large rooms | Moderate, best for small to medium rooms |
| Air distribution | Even cooling across the room | Limited airflow range |
| Noise level | Quiet (compressor outside) | Noticeable hum |
| Installation | Professional installation needed | Simple installation, DIY-friendly |
| Space requirement | Needs indoor + outdoor space | Requires suitable window slot |
| Energy efficiency | High (inverter options) | Moderate (star rating dependent) |
| Maintenance | Regular professional servicing | Easier access and simpler servicing |
| Tentative price range | Rs. 30,000 – Rs. 70,000* | Rs. 26,000 – Rs. 40,000* |
| Long-term running cost | Lower with efficient models | Slightly higher with prolonged use |
What to keep in mind before investing in a split AC or a window AC?
Here are the key things to keep in mind before investing in a split AC or a window AC, especially for Indian summers:
- Room size and cooling capacity
- Split AC: Better for larger rooms (above 150 sq. ft.) as they deliver stronger, more uniform cooling.
- Window AC: Works well in smaller rooms (up to 120–150 sq. ft.).
- Installation and space
- Split AC: Needs professional installation and space for both indoor and outdoor units.
- Window AC: Fits directly into a window frame, easier to install, and more portable.
- Energy Efficiency
- Look for star ratings (higher stars = lower electricity bills).
- Split ACs often come with inverter technology, which adjusts cooling based on room temperature and saves power.
- Window ACs are generally less efficient but cheaper upfront.
- Maintenance and durability
- Split AC: Requires regular servicing of both indoor and outdoor units.
- Window AC: Easier to maintain since all components are in one box.
Top AC models to check out in 2026
Whether you are leaning towards a stylish split AC or a sturdy Window AC, choosing the right unit is important. The right AC can keep you cool and comfortable even during India’s scorching summer heat.
| AC type | Model | Approx. price | EMI starting from |
| Window | Lloyd (LW19A30PP) | Rs. 24,990 | Rs. 1,041 |
| Window | Voltas (183CZP) | Rs. 30,990 | Rs. 1,229 |
| Window | Blue Star (3W18GBT) | Rs. 32,490 | Rs. 1,171 |
| Split | Samsung (AR18CY) | Rs. 44,990 | Rs. 2,247 |
| Split | LG (TS-Q19HNZP1) | Rs. 46,490 | Rs. 2,520 |
| Split | Daikin (RKR50TV16U) | Rs. 48,500 | Rs. 2,246 |
Limited-time offers on electronics and appliances
- Flat Rs. 1,500 cashback on select purchases.
With EMIs starting as low as Rs. 1,000 per month, bringing home your favourite AC has never been easier or more affordable.
*Terms and conditions apply. Check with your store for details.
Upgrade your home with Bajaj Finserv Easy EMI Loan
Upgrading your home with the perfect air conditioner has never been simpler—or more affordable. With the Easy EMI Loan from Bajaj Finserv, you can spread the cost of your AC into pocket-friendly installments, ensuring cool comfort without financial stress. Plus, smart tools like the Maha Bachat Savings Calculator help you combine brand discounts and dealer offers with EMI benefits, maximising your savings.
Here is how easy the process is:
- Select your AC online: Pick the model that suits your home—whether it is a split AC for larger rooms or a window AC for compact spaces.
- Check your eligibility: Visit the Easy EMI Loan page and enter basic details like your name, mobile number, and PAN card. Complete a quick KYC process to verify your identity.
- Instantly view your limit: After verification, see your approved loan amount, showing how much you can borrow for your AC purchase.
- Visit a partner store: Head to the nearest Bajaj Finserv partner store to explore AC models in person and get guidance from a representative.
- Finalise your EMI plan: Choose the repayment option that fits your budget—selecting monthly installments that feel comfortable. Complete minimal paperwork and confirm your purchase instantly.
With the Easy EMI Loan from Bajaj Finserv, you can bring home the AC you need today and pay in easy installments tomorrow. Whether it is beating the summer heat or upgrading your lifestyle, this financing option ensures you enjoy the best cooling solutions while keeping your finances secure.
