Home Credit India, announced the launch of its new brand campaign – #KahoEMIKoHaan. Rooted in the vibrant spirit of Holi and anchored in the brand’s philosophy of #ZindagiHit, the campaign seeks to transform India’s emotional relationship with credit from hesitation and doubt to confidence and smart financial choices.
At the heart of #KahoEMIKoHaan lies a culturally resonant insight – while Indians celebrate Holi by embracing colours without restraint, they often pause and second-guess themselves when it comes to taking financial decisions like opting for an EMI or loan. Through this musical campaign, Home Credit India encourages consumers to view credit not as a burden, but as a thoughtful enabler of aspirations – empowering them to say ‘yes’ to progress without guilt or self-doubt.
Campaign Storyline
Set against the backdrop during the onset of Holi, with deeply relatable lines that capture the rhythm of a life moving in pauses, where dreams feel incomplete, the wallet feels a little light, and even the colours of the heart seem to fade under everyday financial constraints. This vibrant canvas is intercut with everyday moments of hesitation — a man struggling with his ageing scooter, a young woman disappointed when her phone glitches while recording a festive reel, siblings pausing at the payment page of a college admission form, and a newly married couple silently stepping away from a dining table they admire online after seeing its price.
As festivities continue around them, their internal pauses grow more evident. Dreams remain alive — but uncertainty holds them back. In this interplay between celebration and restraint emerges a powerful realisation: life does not stop, and aspirations do not fade — only hesitation stands in the way.
The emotional shift begins subtly. A Home Credit notification lights up a screen. A banner outside a two-wheeler showroom catches someone’s eye. A few taps on the Home Credit app replace doubt with reassurance. Small decisions turn into confident choices.
What follows is a colourful transformation — Holi selfies captured on a new phone, a joyous ride on a new scooter, siblings celebrating an admission milestone, and a couple setting up their new dining table while sharing gujiyas with neighbours. Across these journeys, Home Credit remains a quiet yet reliable enabler, reinforcing that choosing EMI can be a smart and responsible step toward fulfilling aspirations.
The film culminates in a shared Holi celebration, bringing together all characters in a vibrant montage of colour, joy and confidence — underscoring a simple message: saying ‘yes’ to EMI can be saying ‘yes’ to life’s progress.
Speaking on the campaign, Ashish Tiwari, Chief Marketing Officer, Home Credit India, said: “Holi symbolizes and celebrates freedom, colour and togetherness, and we wanted to bring the same spirit into how people perceive financial decisions. With #KahoEMIKoHaan, we are extending the confidence to the emotional hesitation surrounding EMIs and loans, and repositioning credit as a confident, responsible choice that helps people move forward in life. Our aim is to empower customers to say ‘yes’ to their aspirations – whether it’s upgrading smartphones or home appliances, buying a two-wheeler, or planning for bigger aspirations. At Home Credit India, we remain committed to offering simple, transparent, technology-led and accessible financing solutions that empower customers to achieve their aspirations and make their #ZindagiHit.”
With #KahoEMIKoHaan, Home Credit India reiterates its commitment to making credit easy, inclusive and stigma-free across all segments of the society. The company empowers over 2 crore customers through a nationwide network of around 53,000 points-of-sale (PoS) across 625 cities, helping them meet immediate and long-term goals through its diverse offerings such as the Ujjwal EMI Card, Consumer Durable Loans, Personal Loans, Two-Wheeler Loans and Loan Against Property
