About the product
Shop to your heart’s content with Walnut 369, our flagship ‘buy now pay later’ offering. Designed to offer you convenience and flexibility like never before, Walnut 369 helps you get what you want when you want. What are you waiting for?
Sign-up for our instant zero cost/low-cost EMI option at checkout while shopping on any of our partner platforms!
Zero/ low-cost EMI

Choose Walnut 369 at partner checkout


Register instantly without any documents


Avail of Walnut 369 seamlessly across our partner network


Make timely EMI payments to continue enjoying Walnut 369


Choose Walnut 369 at partner checkout


Register instantly without any documents


Avail of Walnut 369 seamlessly across our partner network


Make timely EMI payments to continue enjoying Walnut 369

Get Walnut 369 exclusively on

Walnut 369 is a hassle-free payment solution that facilitates fair, transparent credit and gives you the flexibility to pay for your purchase over time. You can repay the sum in affordable EMIs spread over a tenure of your choice—usually 3, 6, 9, or 12 months or pay later after 30 days, giving you convenience and control like never before. You will know exactly how much you are paying from day one and won’t be in for rude surprises in the form of hidden fees. 

Walnut 369 is offered to you by Capital Float in association with Karur Vysya Bank as its financial partner.

At partner merchants’ stores and platforms, you can choose Walnut 369 as a payment method during checkout and seamlessly apply for a loan to pay for your purchase. You can choose to spread your payments out, typically over 3, 6, 9, or 12 months (or more), to pay for your purchase with manageable EMIs that work within your budget. You can also decide to pay the purchase amount after 30 days on selecting Walnut 369 under the Pay Later option at checkout.

Some of the key benefits of using Walnut 369 are –

  • Registration is quick and easy – No long forms 
  • You’re in control – Pick an EMI plan that fits your budget 
  • No extra charges – no sneaky hidden charges, no additional fees if you repay on time
  • Auto repayment – Set up UPI Auto Pay or an e-mandate on your preferred mode of payment and automate your monthly EMI repayments. Enjoy having one less thing on your to-do list every month and experience no adverse impact on your credit score!

To use Walnut 369,  

  • You need to have a valid permanent account number (PAN) card, a valid UPI id(VPA), a bank account with one of the selected banks, and one of the officially valid documents as address proof – Driving license, Voter ID card, Aadhaar, Utility Bills (not older than 60 days), Passport.
  • You must be 18 years of age or above 
  • You should have a valid mobile number

Further eligibility is decided basis your credit bureau history and a host of other factors as determined by the lending partner Capital Float.

The charges are as follows –    

  • Registration/membership charges – ZERO
  • Prepayment charges – ZERO
  • Processing fee – if applicable, will be shown upfront with your EMI plan
  • Late Payment charges – Rs 100 to Rs 400 (excluding GST)

Here are the steps to sign up for Walnut 369. 

  • Choose Walnut 369 as your preferred payment method at checkout and apply for a loan at the checkout point to pay for your purchase
  • Verify your identity by entering your mobile number, permanent account number(PAN), and birth date 
  • Complete your KYC and enter some basic information to determine your credit approval
  • Set up standing instructions using e-mandate on your net banking or debit card for auto-repayments or using UPI Autopay

All of the above steps can be completed in less than 2 minutes!

PAN number is mandatory for completing Know Your Customer (KYC) checks. If you don’t have a PAN, you will not be able to complete the registration and hence won’t be able to use Walnut 369 to make your purchase.

Walnut 369 is offered to you by Capital Float in association with Karur Vysya Bank as its financial partner. 

CapFloat Financial Services Private Limited (“Capital Float”) is a Non-Banking Financial Corporation (NBFC) registered with the Reserve Bank of India. Capital Float is listed in RBI’s list of scheduled NBFCs and is permitted to lend money to retail customers, and small and medium businesses. Capital Float operates in accordance with the legal framework and regulations prescribed by the RBI.

Karur Vysya Bank is registered as a banking company with the Reserve Bank of India (“RBI”) and is authorized to undertake its business activities in terms of such registration.

Following are the probable reasons for decline/rejection of payment using Walnut 369 : 

  • You are currently not eligible to avail of a Walnut 369 loan as per the relevant and applicable terms and conditions and/or internal policies of the lending partners
  • Your KYC document verification failed
  • Your downpayment was unsuccessful

Walnut 369 currently offers 3, 6, 9, and 12 month EMI plans. Walnut 369 also offers a Pay Later option (30 day credit period). The available plans for your purchase will be displayed on the payment page during checkout.

You can make multiple purchases using Walnut 369  up to your available limit approved as part of the registration. Please note that as per regulations, for KYC undertaken using Aadhaar number/VID and OTP, there is a regulatory cap on the amount of total purchases of Rs. 60,000 using Walnut 369.

For KYC undertaken using offline document verification process, there is no regulatory cap on the limit usage. 

While choosing to pay by EMIs (3-12 months), there might be interest costs attached. The details about the interest cost payable will be communicated to you on the payment page while choosing the EMI plan. 

Auto-repayment setup is mandatory. The one-time setup can be done: 

(i) at the time of registration 

(ii) during a purchase using Walnut 369 

No transaction fee is charged on the use of Walnut 369.

Yes, some Walnut 369 purchases require a downpayment to be made. In these instances, your purchase using Walnut 369 will be successful only if the downpayment is made successfully.

We are sorry to inform you that you will not be able to change your EMI plan(s) once the purchase has been made.

For some purchases with high ticket value, you will receive a call from Capital Float to confirm if you applied for the loan and ensure there is no fraudulent application in your name. 

In case you were unable to make the down payment due to technical challenges and you want to re-attempt making the payment-, please contact us at or call us on 080-68075001. We will be happy to assist you.

For any purchase between the 1st and 15th of the month, the first EMI will be due on the 5th day of the next month, and for any purchase between the 16th and the end of the month, the first EMI will be due on the 5th day of the month next to the subsequent one.

For example: If you’ve made a transaction using Walnut 369 on June 14th, the first EMI will be due on the 5th of July. And, if you’ve made a transaction using Walnut 369  on June 18th, the first EMI will be due on the 5th of August (month next to the subsequent one).

Walnut 369 repayment can happen in two ways: 

(i) Auto repayment: which is a one-time setup during registration or at the time of purchase using Walnut 369 

(ii) Manual repayment of the installments or entire outstanding balance through UPI, debit card or NetBanking of any bank

For setting up auto repayment, you are redirected to your bank page, where you can complete it via NetBanking or debit card-based authentication. Once this is set, the due amount will be automatically deducted from your linked bank account/debit card, thus making repayments hassle-free.

Your bank might charge a one-time mandate setup cost. Please read the details on your bank page carefully.

 In such a case, we will notify you through email and/or SMS about repayment rejection from the bank and provide details on how to manually complete the payment to avoid any late payment fees/penalties that the lending partner may impose.

If you miss your payments on the due date, we request you to manually pay them as soon as possible. Non-payment even after 3 days post due date might attract a late payment penalty.

Yes, you will be notified about upcoming payments via SMS and/or email 3-4 days before the due date, so that you can keep the bank account well-funded for the repayments.

It is imperative to pay your EMI on time to avoid late payment charges, maintain a good credit rating, prevent suspension of the Walnut 369 payment facility, and prevent any legal action.

Please maintain an adequate balance in your account around the repayment date. Not paying your EMI on time could result in a negative impact on your CIBIL score and all other bureau scores.

In all such cases, the excess funds deducted will be credited by Capital Float to the respective bank account in 5-7 business days.

For any additional queries, help or support, you can reach out to us via email or call.

Contact details:

Email us at: or

Call on 080-68075001