Samsung has introduced a new 30-month no-cost EMI option for the Galaxy Z Fold8 Ultra in India, bringing the monthly payment for its premium foldable smartphone down to Rs 6,667.
The Galaxy Z Fold8 Ultra is priced at Rs 1,99,999, but the longer repayment tenure means eligible customers can spread the cost over 30 months without interest under the applicable financing scheme. Samsung is also extending the 30-month financing option to the Galaxy Z Fold8 and Galaxy Z Flip8.
While the lower monthly EMI makes the latest foldable easier to finance, the Galaxy Z Fold8 Ultra itself is more expensive than its predecessor. The key difference is that Samsung has extended the repayment period from 24 months on the Galaxy Z Fold7 to 30 months for the new Ultra model.
What Is the Samsung Galaxy Z Fold8 Ultra EMI in India?
The Samsung Galaxy Z Fold8 Ultra EMI is Rs 6,667 per month for 30 months under the new no-cost EMI financing option. The 256GB variant of the smartphone is priced at Rs 1,99,999 in India.
In simple terms, Samsung is lowering the monthly payment by extending the repayment period rather than reducing the retail price of the smartphone.
Here are the key numbers:
- Galaxy Z Fold8 Ultra price: Rs 1,99,999
- Storage: 256GB
- Monthly EMI: Rs 6,667
- EMI tenure: 30 months
- Interest: No-cost EMI under the applicable scheme
- Down payment: Zero down payment options are available through participating financing partners
Samsung says the monthly payment is around 9% lower than the EMI offered with the previous Galaxy Z Fold7.
Samsung Galaxy Z Fold8 Ultra vs Galaxy Z Fold7 EMI
The lower monthly payment becomes clearer when the Galaxy Z Fold8 Ultra is compared with the previous-generation Galaxy Z Fold7.
The Galaxy Z Fold7 launched in India at Rs 1,74,999 and was available with financing for up to 24 months.
Dividing Rs 1,74,999 across 24 months works out to approximately:
Rs 7,292 per month
The Galaxy Z Fold8 Ultra costs Rs 1,99,999, but its new financing tenure extends to 30 months.
That works out to approximately:
Rs 6,667 per month
As a result, the monthly payment is about 8.6% lower, which Samsung rounds to roughly 9%.
However, this does not mean the Galaxy Z Fold8 Ultra itself is cheaper.
The new foldable’s starting price is approximately 14.3% higher than the Galaxy Z Fold7, with the lower monthly EMI primarily resulting from the six-month extension in financing tenure.
Why Is the Galaxy Z Fold8 Ultra EMI Lower?
The Galaxy Z Fold8 Ultra EMI is lower because Samsung has increased the repayment tenure from 24 months to 30 months.
This distinction is important for buyers comparing the two generations.
A lower EMI does not necessarily mean a lower overall device price. Instead, spreading the purchase price over additional months reduces the amount that needs to be paid every month.
Galaxy Z Fold8 and Galaxy Z Flip8 Also Get 30-Month EMI
Samsung’s latest financing initiative is not limited to the Galaxy Z Fold8 Ultra.
The company is offering the extended no-cost EMI programme across its latest Galaxy Z foldable lineup in India.
Samsung Galaxy Z Fold8 EMI
The Samsung Galaxy Z Fold8 256GB is priced at Rs 1,79,999.
Under the 30-month financing programme, the phone can be purchased for approximately:
Rs 6,000 per month
Galaxy Z Flip8 EMI
The more compact Samsung Galaxy Z Flip8 256GB is priced at Rs 1,24,999.
Its 30-month EMI starts at approximately:
Rs 4,167 per month
This makes the Galaxy Z Flip8 the most affordable of Samsung’s latest foldables in terms of both retail price and monthly financing amount.
Samsung Galaxy Z Fold8 Series Price and EMI Comparison
| Smartphone | Starting Price | EMI | Tenure |
|---|---|---|---|
| Galaxy Z Fold8 Ultra 256GB | Rs 1,99,999 | Rs 6,667/month | 30 months |
| Galaxy Z Fold8 256GB | Rs 1,79,999 | Rs 6,000/month | 30 months |
| Galaxy Z Flip8 256GB | Rs 1,24,999 | Rs 4,167/month | 30 months |
The longer tenure is designed to reduce the monthly financial commitment for consumers considering Samsung’s premium foldable smartphones.
Which Finance Partners Offer the 30-Month No-Cost EMI?
Samsung’s 30-month financing programme is being offered through participating financial institutions and financing services.
The reported partners include:
- Samsung Finance+ powered by DMI Finance
- TVS Credit
- IDFC FIRST Bank
- Poonawalla Fincorp
Availability and final eligibility can depend on the financing provider, customer eligibility, purchase channel and applicable terms and conditions.
Buyers should therefore verify the final EMI amount, down payment requirement and eligibility at checkout before completing their purchase.
Where Can You Buy the Galaxy Z Fold8 Ultra With EMI?
Customers can check the Galaxy Z Fold8 Ultra financing offers through Samsung’s official online and offline sales channels as well as participating retailers.
The 30-month financing option is available through channels including:
- Samsung’s official India website
- Samsung Experience Stores
- Participating offline retailers
- Selected online retail partners
Exact financing options may differ depending on the retailer and lender.
Samsung Galaxy Z Fold8 Ultra Key Features
Beyond the financing offer, the Galaxy Z Fold8 Ultra sits at the top of Samsung’s latest foldable smartphone portfolio.
Samsung lists the device with a 16.48cm cover display, which unfolds to reveal a much larger 20.31cm main display, giving users additional screen space for productivity, entertainment and multitasking.
The foldable also has a thinner and lighter design, measuring around 0.41cm when unfolded and weighing 215 grams.
Galaxy Z Fold8 Ultra Camera
Photography is another major focus of Samsung’s Ultra foldable.
The Galaxy Z Fold8 Ultra features a camera system headlined by a 200MP wide camera alongside a 50MP ultra-wide camera.
Samsung also highlights 8K video recording and its ProVisual Engine, which uses computational processing to enhance image quality.
The combination positions the Fold8 Ultra as Samsung’s flagship option for buyers who want the foldable form factor without giving up high-end camera capabilities.
Is the Samsung Galaxy Z Fold8 Ultra Rs 6,667 EMI a Good Deal?
For buyers already considering the Galaxy Z Fold8 Ultra, the 30-month no-cost EMI could make the nearly Rs 2 lakh purchase easier to manage on a monthly basis.
However, the most important point is that the Rs 6,667 EMI should not be interpreted as a price reduction.
The Galaxy Z Fold8 Ultra costs Rs 1,99,999. Its lower monthly payment compared with the previous Fold model is largely possible because the repayment period has increased to 30 months.
Potential buyers should therefore consider the total device price, financing eligibility and length of the repayment commitment rather than comparing only monthly EMI figures.
What You Need to Know About the Galaxy Z Fold8 Ultra EMI
Samsung’s financing strategy effectively lowers the monthly entry point for its premium foldable range without cutting the smartphones’ listed prices.
For the Galaxy Z Fold8 Ultra, a buyer paying approximately Rs 6,667 each month for 30 months reaches roughly the Rs 1,99,999 device price, subject to the specific financing terms.
The same approach brings the Galaxy Z Fold8 to around Rs 6,000 per month and the Galaxy Z Flip8 to around Rs 4,167 per month.
For consumers interested in premium foldables but concerned about the upfront cost, the extended tenure could therefore make Samsung’s newest Galaxy Z devices more accessible.
