Home Credit India Launches Holi Musical Campaign #KahoEMIKoHaan

Home Credit India has unveiled its new brand campaign, #KahoEMIKoHaan, aimed at reshaping the emotional narrative around credit and equated monthly instalments (EMIs). Rooted in the festive spirit of Holi and aligned with the company’s philosophy of #ZindagiHit, the campaign seeks to shift consumer perception of credit from hesitation and doubt to confidence and informed financial decision-making.

A Cultural Insight at the Core

Built around a culturally resonant observation, the campaign highlights a contrast: while Indians embrace colours freely during Holi, they often hesitate when making financial commitments such as opting for an EMI or loan. Through a musical storytelling format, Home Credit India positions credit not as a burden, but as a thoughtful enabler of aspirations, empowering consumers to say “yes” to progress without guilt.

The campaign is currently live across digital platforms, including YouTube, Facebook, Instagram, X and LinkedIn.

Campaign Narrative

Set against the onset of Holi, the film captures relatable moments of financial pause, an ageing scooter causing daily inconvenience, a young woman frustrated by her glitching phone while recording festive content, siblings hesitating at a college admission payment page, and a newly married couple stepping away from a dining table they admire due to its price.

Amid the celebrations unfolding around them, their dreams remain alive but momentarily restrained by uncertainty. The emotional shift begins subtly, a Home Credit notification appears, a showroom banner catches attention, and a few taps on the Home Credit app replace doubt with reassurance.

The narrative transitions into a colourful transformation: selfies captured on a new phone, a celebratory ride on a new scooter, siblings marking an admission milestone, and a couple setting up their new dining table while sharing gujiyas with neighbours. The film culminates in a shared Holi celebration, bringing all characters together in a vibrant montage, reinforcing the message that saying “yes” to EMI can mean saying “yes” to life’s progress.

Brand Perspective

Ashish Tiwari, Chief Marketing Officer, Home Credit India, said Holi symbolises freedom, colour and togetherness, values the brand wanted to reflect in financial decision-making. He noted that #KahoEMIKoHaan aims to address the emotional hesitation surrounding EMIs and reposition credit as a responsible and confident choice that enables aspirations, from upgrading smartphones and appliances to purchasing two-wheelers or planning bigger milestones.

Expanding Inclusive Credit Access

Through #KahoEMIKoHaan, Home Credit India reiterates its commitment to making credit accessible, transparent and stigma-free. The company currently serves over 2 crore customers through a nationwide network of approximately 53,000 points of sale across 625 cities. Its product portfolio includes the Ujjwal EMI Card, Consumer Durable Loans, Personal Loans, Two-Wheeler Loans and Loan Against Property.

With this campaign, the company reinforces its technology-led approach to simplifying financing solutions while encouraging consumers to make confident, informed financial choices.