Kotak Credit Cards, in partnership with VLCC, offers on-the-spot No Charge EMI at select outlets of VLCC.

To avail the ‘Dream Big’ EMIs:

  • Go to the payment desk at the participating outlets
  • Choose a No Charge EMI duration
  • Pay every month in easy installments at no interest and no processing fee

The EMI tenures available to the customer is of 3, 6, 9, and 12 months

S.No. Address
1 1A Kashi Niket, 190 C Satin Sen Sarani, Kankurgachi, Kolkata - 700054
2 1/432, Gariahat Road, Kol - 68
3 33, Shakespeare Sarani, Opp-Rani Birla College, Kolkata-700 017
4 VLCC Health Care Ltd. ,Flat no. 1C & 1D,16S & 15N ,Block A,New Alipore , kolkata-700053
5 Swastik Building, Nazrul Islam Avenue, Rajarhat VIP, Kolkata - 700157
6 premises no 35A-11&A12 Block A Dr abani dutta road howrah -711106
7 5, Janpath, 1st Floor, Near Ram Mandir, Unit-III, Kharvel Nagar, Bhubaneshwar, PIN-751001
8 VLCC Health care Ltd,Shankar Complex,Christianbasti,G.S.Road,Guwahati-781005
9 VLCC Health Care Ltd, 2nd Floor Industry House , Sinha Library Road, Kotwali, Patna-800001
10 MAA DEOPATI SADAN NEAR RAJESH BALLABH HOUSE BELWARGANJ P.S.- ALAMGANJ PATNA CITY PATNA - 800007 
11 VLCC HEALTH CARE LTD, 1ST FLOOR TRISHUL TOWER, MOTHER TERESA ROAD, ABOVE VIJAYA BANK, ZOO ROAD TINIALI, GUWAHATI - 781021
12 112, SEVOKE ROAD, GANESHAYAN BUILDING , NEAR SKY STAR A.C MARKET , SILIGURI - 734001 , DIST - DATJEELING
13 115A, Biren Roy Road (East), Kolkata -700008
14 VLCC Health care Ltd. Unit -D, Ground Floor, RDB Boulevard, Plot No: K1, Block - EP & GP, Sector - V, Saltlake City, Kolkata-91
15 No. 96/5 Southend Road, Southend Circle Basavangudi Bangalore 560004
16 M/s.VLCC HEALTH CARE LTD , # 19/4 , 1st Floor , Sair Bagh , Cunnighum Road, Opp : Food World , Bangalore : 560052
17 #69/A, BYRAPPA COMPLEX, WOC RD, MAHALAXMIPURAM, BANGALORE - 86
18 #2015,16th main HAL 2nd stage 100ft road indiranagar banaglore-560008
19 VLCC HEALTH CARE LIMITED, # 4/1, 1ST FLOOR, KVM PLAZA, OPP: SONA CHAMBER, NEXT TO JTK SHOW ROOM, CLUB ROAD, HUBLI-580 029.
20 THE PLANET, # 54,KATHA NO 435, WHITEFIELD, B,LORE-66
21 C-7, BMP WARD 67, NEAR BETHANY SCHOOL, GANESH TEMPLE ROAD, KORMANGALA- 560034
22 #447-A,SRI GURUKRUPA COMPLEX,9TH CROSS.2ND PHASE J P NAGAR.NEXT TO TIRUMALA TEMPLE.BANGALORE 560078
23 VLCC HEALTH CARE LTD # 2813, 10th Cross,1st & 2nd Floor, Shree Ganesh Arcade, V V Mohalla, Kalidasa Road, Mysore-570002
24 VLCC HEALTH CARE LTD.3-31-2517,Kadri Road,Near C.V.Nayak Hall,Mangalore-575003
25 8-2-283/82/l283-A/1, MLA colony, Road no 12, Banjara hills, Hyderabad- 500034
26 #3-6-365/A/B, Sama Towers,op Stanza, Mahaveer Chambers, Libirty Circle, HIMAYAT NAGAR- HYDERABAD- 500 029
27 1-8-303/26,sana consortium,sindhi colony,p.g.road,secunderabad-500003.
28 VLCC Health Care Ltd,291/14/9/2,Bhasker Empire,Opp Jayabheri Silicon County,Kondapur,Hyderabad-500032
29 Block NO.18,Maruthi Arcade,Dr.A.S.Rao Nagar,Hyderabad-500062
30 VLCC HEALTH CARE LTD 16-11-19/9/A, Shantha Heights, Saleem Nagar, Malakpet, Hyderabad-500036.
31 First Floor,h.no 211,Mig-1 ,Road No-1 near ICICI direct,KPHB Colony Hyderabad
32 Vlcc Health Care ltd. Vinayaghar heights, 1st floor, CBM Compound, Siripuram Road, Visakhapatnam - 530001
33 VLCC Health Care Limited,Padmasree Arcade,Above Axis Bank,Opp Chinagantyada Bus stand.Vishakpatnam
34 vlcchealth care limited.79-2-9/3,plot no-54,jetty enclave ,Near Saibaba Temple,tilak road,Rajahmundry.Pin-533103
35 1st floor, KP Towers,Near Benz circle,MG Road,Vijayawada -10
36 No.79, C.P. Ramasamy Road, Alwarpet, Chennai - 600 018.
37 323,Diamond Dune,Poonamalle High Road,Aminjikarai,Chennai-600029
38 VLCC HELATH CARE LTD., NO.82/51, 1st Avenue, Indra Nagar, Adyar, Chennai - 600 020.
39 1st Floor, Little Flower Church Commercial building,Near LF Church, Sahodaran Ayyappan Road,Elamkulam, Cochin - 20
40 VLCC Health Care Ltd,TC No.14/1026,Opp.Trivandrum Club,Vazhuthacaud,Trivandrum-695010
41 VLCC Health Care Ltd,1st Floor,Elite Arcade,Nr. Petrol Pump,Chakkorathkulam,Kannur Road,Calicut 673011
42 VLCC HEALTH CARE LTD 184/1, RACE COURSE ROAD , NEAR THOMAS PARK, COIMBATORE - 641018
43 VLCC Health Care Limited ,Plot No. 3792 Old. No. 89 / New No.12 , Q Block , 4th Main Road , Chennai - 600 040
44 NO. 1/1, RAJA RAO STREET,COURT ROAD, ABOVE TATA GOLD JEWELLERY, TIRUPUR - 641601
45 9 & 26, Taramani 100Ft Road,( opp.TCS) Ramagiri,Velachery,Chennai-600 0042
46 Plot No.1, milk project junction, Sivagangai road,K.K. Nagar, Madurai - 625020
47 7/190, Nageshwar Tower Swaroop Nagar Kanpur
48 2 nd floor, opp. Sharaganj, 1 Shahnazaf road, Lucknow-226001
49 57-Gandhinagar, Sigra, Varanasi. Pin No. 221010
50 1/10, Ground Floor, Vivek Khand, Gomti Nagar, Lucknow(U.P.)
51 II FLOOR, OM TOWER, 31 M.G. MARG, CIVIL LINES, ALLAHABAD - 211001
52 VLCC Health Care Ltd. 63-64 GKS Palace, Civil Lines Choupla Road Bareilly
53 59/4, International Trade Centre 1St Floor Rajpur Road Dehradun U.K 248001
54 172-C/1, Upper Ground Floor, SB Road, Rai Market, Ambala Cantt.
55 SCO No. -27-28, Ground Floor, RG Tower/Taneja Towers Distriict shopping complex,Ranjit Avenue, B Block Market, Amritsar. 
56 Sco-425/26, 1St Floor, Sector 35C, Chandigarh
57 Sco - 43, Pocket No.1,Chandigarh Kalka Highway,Nac,Manimajra,Chandigarh
58 2618 Ferozepur Road, Near Nagpal Regency,Ludhiana
59 Vlcc Health Care Ltd 194-R Model Town Market Iiird Floor Above Kapsons Jalandhar City-144003
60 20 C/C Gandhi Nagar, Jammu-180004
61 M-14, Greater Kailash, Part -2, Commercial Complex, New Delhi -110048
62 F - 14/30, Model Town - Ii, New Delhi 110009
63 C-20, Friends Colony (East), New Delhi -110065
64 203-204 Pp Tower Neta Ji Subash Place New Delhi 110088
65 35, Ist, Iind & Iiird Floor,Central Market,Punjabi Baghnew Delhi-110026
66 A-2/9 Safdarjung Enclave New Delhi -29
67 B - 4/52 Safdarjung Enclave New Delhi - 110029
68 G-85, Preet Vihar, Main Vikas Marg, New Delhi-92
69 P - 2, Shop No: 3, Jop Plaza, Sector - 18, Noida - 201 301
70 R-2/240 A, Raj Nagar, Ghaziabad-201001
71 10,Ground floor,Gaur Gravity, 8 Vaibhav Khand,Indirapuram Ghaziabad.201014
72 Gr.Floor,Sco-97,Sector-16,Next To Idbi Bank,Faridabad Haryana Pin 121006
73 A-14/23 Dlf Phase 1 Gurgaon Haryana 122002
74 Sco 60, Dsc, Sector 23-A, Gurgaon-122015
75 11/1-B, Pusa Road, New Delhi-110005
76  101,First Floor, Hl Wings, Plot No 2, Pkt-4, Sec-11, Dwarka
77 A-1/163A, Main Najafgarh Road, Janak Puri, New Delhi -110058
78 Unit No. A1, J1/164 Grounde Floor, Rajouri Garden Delhi-110027
79 D-14 2nd Floor South extn. part -2 above croma New Delhi -110049
80 K-11,B,Guru Nanak Complex,Near Luhriya Tawer,Ashok Marg,C-Scheme,Jaipur,Raj.302001
81 First Floor, Padamdeep, G-10/8, Sanjay Place, Agra
82 45A G/F City Centre opp. Air tel Office,Gwalior
83 E-16,Chandra Tower,Gautam Marg,Opp. PNB Bank,Vaishali Nagar,Jaipur
84 VLCC Health Care Ltd.  1st Floor, Embassy Building, 9/1/3, M.G. Road, Indore -452001 (M.P.)
85 VLCC Healthcare ltd 47/A Malvia Nagar, Near Tansique Showroom, New Mkt, Bhopal-462003
86 36-37 SDC Building Mouji Colony Malviya Nagar Jaipur-302017
87 Transavenue,Second Floor,Near Mahanagar Telephone Exchange,Mhada.Andheri West.Mumbai 400 053
88 Madhuram, 398/B, Next To Kotak Mahindra Bank, Near Abobila Mutt, Chembur, Mumbai - 400071
89 232,Mangalam Marvel,West Highcourt Road,Gokulpeth,Nagpur-440010
90 Vikas Paradise,Commercial Complex,1St Floor,Lbs Marg,Next To Santoshi Mata Mandir,Mulund (West) Mulund 400 080
91 B-101/102, Sangeeta Apartments, Ram Gully, S.V.Road, Above Cosmos Bank, Kandivali(W), Mumbai-400 067
92 Nkm International House, Backbay Hall, Near Hotel Marine Palaza), Babubhai Chenoy Road , Nariman Point, Marine Drive, Mumbai 400 020
93 Bengal Chemicals Bldg., Veer Savarkar Road, Next To New Regional Passport Office, Prabhadevi, Mumbai. 400025
94 Golden Line Business Centre,Link Way Estate,Next To Chincholi Fire Brigade,Link Road,Malad (West)Mumbai 400 064
95 Padmadarshan Palace,Plot No 41,Nr.Jehan Circle,Gangapur Rd,Nasik-422005
96 Plot No 329,Dhawn Bldg,Corner Of 7Th Road & Linking Rd,Above Reebok Showroom,Khar (West).Mumbai 400 052
97 High Tech Plaza,Mahakali Caves,Andheri (East)Mumbai - 400093
98 101/102,First Flr,Samrudhi Plaza,Mira Bhayander Rd,Thane 401107
99 Showroom 1 & 2,Second Floor,Cts No.4798,Saraswati Sankul,Opp S.B.College Bus Stop,Nirala Bazar,Aurangpura.Aurangabad 431-001
100 Plot No.41,Sector 19 E,Next To Palm Beach,Near Galleria Mall.Vashi.Navi Mumbai
101 Jeeva Bunglow,Gigi Apts,14,Silver Beach Estate,A.B.Nair Rd,Juhu.Mumbai 400 049
102 Neelkanth Darshan,Shop No 1,2,3,Plot No 125/4,Mumbai Pune Road,Op S.K Bajaj Showroom,Panvel District Raigad 410206
103 Hig 27,Sector 1,Main Road,Shanker Nagar,Raipur.Chattisgarh 492 001
104 Ram Smiriti Building, Ram Maruti Road, Lane No. 4, Near New English , School, Thane West , Thane District, Mumbai
105 1St Floor,Cosmos Mart,Opp Tikujiwadi,Above Foodland,Manpada.Thane (W) Mumbai 400 
106 1St Floor,Spring Avenue,Opp Kdmc,B Ward,Above Reliance Fresh,Chikenghar.Kalyan(W) Mumbai 401321
107 Hermes Waves,Grd Flr,Shop No 5+5A,Bldg B1,Nx to Big Bazaar,Kalyaninagar.Pune 411006
108 Shop No. 1,Abhijit Court,Grd Flr,Bhandarkar Rd,Shivaji Nagar Pune 411-005
109 Sanghvi Arcade,First Floor,Parihar Chowk,Aundh.Pune 411-007
110 Shop No.11,Parshwa Bldg,Sujoy Garden,Mukund Harden,Pune 411-037
111 Unit No T 20 To 24,Destination Centre,Magarpatta City,Hadapsar.Pune 411-013
112 MARC Square,Shop No 10-17,Grd Flr,Plot No 102/2/5,Savedi,Taluka Nagar,Ahmednagar .414 003.
113 G.F , Unit No. 2 Setu Commercial Complex, Near S.B.I, C.Groad, Navrangpura, Ahmedabad-380009
114 2Nd Floor,House No 4,Union Point,Near Kakadia Complex,Ghod Dod Rd,Surat 395007
115 1St Flor, B Wing,Trident,Opp Gery,Race Cource,Varodara.390007.Gujarat
116 1St Floor,Shree Surya Complex,Amin Marg,Next To Patel Bhel,Rajkot
117 G-1,Balleshwar Square,Opp Iskon Temple,G.G.Highway,Ahmd 380015
118 22 Community Centre, Basant Lok, Priya Complex,Vasant Vihar,New Delhi -57
119 M - 1, Ist Floor, M Block Market, Greater Kailash - 1, New Delhi 110048
120 R-1, Iind Floor, Above Sitaram Bhartiya Hospital, Galleria Market, Phase -IV, DLF, Gurgaon, Haryana
121 TF-04-05, 3rd Floor, Ansal Plaza, Firozepur Road, Ludhiana
122 Office no 101-103,Viva Gokul Arcade, viva gokul township, Agashi Road, Virar west, Mumbai 401303
123  F-9, Professor colony, Near kavisha motors, kamla nagar, agra
124 101,City Pride Building, Behind Nalanda Hotel, Mithakali Six Roads,Navrangpura, Ahmedabad - 380006
125 99-P, Sector-7, Urban Estate, Behind Galaxy Mall, Ambala City
126 SCO -55 2nd Floor , Ranjit Avenue, Amritsar
127 69/A, 2nd Floor, Iind Stage Layout, Mahalakshmi Puram, West of Chord Road, Bangalore - 560086
128 98, Skylark Palazzo, Ist Floor, HAL Airport Road, Bangalore - 560017
129 SCO-62-63, Sector - 34A, Chandigarh
130 Door Nos. 337/618 D & 37/618 E, D7Muttathil Lane, Kadavanthara, Cochin-682020
131 A-18, Lajpat Nagar - II, New Delhi - 24
132 I- 5, Kirti Nagar, New Delhi - 15
133 372, 1st floor, Kohat Enclave, Pitampura, New Delhi- 110034
134 1st Floor, C-63, Preet Vihar, New Delhi - 92
135 SCF-46 & 47,2nd flr,Main Market,Sec-15,Faridabad
136 K - 65,66, Sector -18, Noida
137 C-1/713 E, Palam Extension, Sector-7, Dwarka, New Delhi
138 18 A,Opp.Sahara Uphar Complex,H.P.Dubey Marg,Daudpur,Gorakhpur -273001
139 4th floor, JVR Towers, Laxmi Nagar Colony,Near Telephone Exchange, Kothapet, Dilsuknagar, Hyderabad-36
140 Plot no. 262/3RT, Ist Floor, S.R. Nagar, Hyderabad - 38
141 K-14 Primvada Sadan, C-Scheme,Ashok Marg Jaipur-302001
142 No. 41/2B, 2nd floor, Sarat Bose Road, Kolkata-700020
143 P-252, C.I.T. Road, Scheme-VI (M), P.S. Phoolbagan, Kolkata-700054
144 Ist Floor, 1A, Sapru Marg, Shravan Plaza, Lucknow
145 b-19, 217/1, below HT office , nr. HIG flats, Rani Jhansi Road, Ghumar Mandi , Ludhiana
146 Amrita Sadan, Plot No. 13/14, Sector -22, C:1-6, Navi Mumbai - 400706, Nerul (W)
147 !st Floor, 101-102, Diamond Park, near Eastern Express Highway, Mulund (East) , Mumbai
148 1st Floor, Sri Krishna Cooperative Housing Society, Building No. - 3,   New mahavir Nagar, Kandivilli (West), Mumbail - 400 067
149 6-B, 2nd & 3rd floor, S.K. Puri, Patna
150 2nd Floor, Monoplex Plaza, C.T.S. No. 1020/7, Model colony, Shivaji nagar, Pune 
151 3rd Floor , Jai Ganesh Vision, ‘A’ Wing, Near Fame Multiplex, Akurdi-Chinchwad, PCMC, Pune - 35
152 3rd Floor, Parmar Gallery, S.No. 77/48, 77/41, Wanowrie, Pune
153 2nd floor,Pranami Mandir Complex,Pranami Mandir Road,Siliguri-734001
154 C/O S.S. Sales Corporation, Railway Road (Adj to Bank of Baroda),Sonipat
155 Bhartiya Bhawan, Shakti Nagar, Near Andhara Bank, Udaipur (Raj)
156 D-63/4B,Ground flr,Gangotri,Mahmoorganj, Varanasi-221001
157 Second Floor, Pratap Tower, 16 C / 1 A, Stratchy Road, Civil Lines Allahabad (UP) 
158 16-17/211, Ground Floor, Nariman Point Welfare society, Station Road, Civil Lines, Bareilly (UP) 
159 IIFT Campus Complex "Abhinandan" Behind Khemka Sadan, Mission Compound Saharanpur – 247001 (UP) 
160 Mamta Press Complex Opp. Farukhabad Railway Crossing Etawah (UP) 
161 Plot No 4/1, Byramji Town, Unit No 1, Ground Floor, Wing A, J.P.Heights, Mouza jaripatka, Nagpur 440013
162 64, HSIDC,Sector 18, Maruti Industrial Area, Gurgaon 122015
163 2nd floor,Pranami Mandir Complex,Pranami Mandir Road,Siliguri-734001
164 Plot No 4/1, Byramji Town, Unit No 1, Ground Floor, Wing A, J.P.Heights, Mouza jaripatka, Nagpur 440013
165 Office no 101-103,Viva Gokul Arcade, viva gokul township, Agashi Road, Virar west, Mumbai 401303
166 C 1 713 E PALAMEXTENTION DWARKASECTOR 7
167  F-9, Professor colony, Near kavisha motors, kamla nagar, agra
168 SCF-46 & 47,2nd flr,Main Market,Sec-15,Faridabad
169 18 A,Opp.Sahara Uphar Complex,H.P.Dubey Marg,Daudpur,Gorakhpur -273001
170 C/O S.S. Sales Corporation, Railway Road (Adj to Bank of Baroda),Sonipat
171 D-63/4B,Ground flr,Gangotri,Mahmoorganj, Varanasi-221001
172 99-P, Sector-7, Urban Estate, Behind Galaxy Mall, Ambala City

Terms and Conditions

  • All Kotak Mahindra Bank Limited (“Bank”) Credit Cardholders (“Cardholders”) have the option to purchase / avail the products / services from VLCC Healthcare Limited on Equated Monthly Installment (“EMI”) by using their Kotak Credit Card.
  • Cardholders may opt to convert their purchase at select Merchant outlets into EMIs for 03, 06, 09 and 12 months as per the offer communicated at the time of availing the products / services. There are no processing fees, no interest and no foreclosure charges for converting the purchase into EMIs. List of outlets where the offer is available is updated on  our website www.kotakcards.com.
  • The offer is valid on purchases made between 1st  Nov 2011 and 31st Oct 2012 (“Offer Period”)
  • If the Cardholder wishes to convert his transaction into EMI, then he has to inform the Merchant regarding the same before swiping their Kotak Credit Card at the billing counter.
  • This offer cannot be availed on a  Kotak Best Price Card.
  • Transaction greater than or equal to Rs._2000/-  can only be converted into EMI. Only single transaction which is equal to or greater than Rs._2000/- can be converted into EMI. No 2 transactions can be clubbed in order to avail the benefit of  EMI. Transactions upto 75% of the credit card limit can be converted into EMI.
  • Cardholders classified as delinquent during the Offer Period will not be eligible for this offer.
  • Cardholders will not hold the Bank responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Cardholder may suffer, sustain or incur by availing this offer.
  • Bank is neither responsible nor guarantees the quality of / products /service provided by the Merchants / Manufacturer. The quality of the product / service is the responsibility of the Merchants / Manufacturer.
  • The EMI offer is subject to all other terms and conditions of the EMI facility as set out in the Cardholder Agreement issued by the Bank in relation to the Kotak Credit Card.
  • The Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether.
  • Any participation in this offer is voluntary.  Any person availing of this offer shall be deemed to have accepted these Terms and Conditions.
  • The decision of the Bank in all matters in connection with and incidental to this offer is final and shall be binding on all persons.
  • All disputes arising out of or in connection with the EMI offers shall be subject to the exclusive jurisdiction of the courts at Mumbai.