Download ZestMoney - Shop on easy EMIs APK 1.40.44 Universal · Android 21+
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This is the universal build of ZestMoney - Shop on easy EMIs 1.40.44. It contains native libraries for every CPU architecture (arm64-v8a, armeabi-v7a, x86, x86_64), so it installs on any Android device. The trade-off is size — it's larger than per-architecture variants. Pick this one if you're unsure which CPU your phone has, or if you plan to share the APK with multiple devices.
File size: 53.3 MB • Min Android: 21 • Target Android: 35 • Version code: 1400044 • Framework: Native (Java/Kotlin) • Permissions: 21
File Information
| Package Name | in.zestmoney.android.zestlife |
|---|---|
| Version Name | 1.40.44 |
| Version Code | 1400044 |
| Architecture | Universal |
| Min Android Version | Android 21 (API 35) |
| Main Activity | in.zestmoney.zestlife.ui.journey.LaunchActivity |
| Framework | Native (Java/Kotlin) |
| File Size | 53.28 MB |
| Signature (SHA1) | 1E956B8C5F70497B4A4F383DECE683197ACBC3C1 |
| File Hash (SHA256) | fb6883c03206c424225988367422765968ab449da331d67acdfee8ac9fa9af18 |
What's New
Bug Fixes
App Description
ZestMoney. Dream big, pay small.
A better life is for everyone. And ZestMoney helps make it accessible for millions to upgrade, to enhance, to rise, while keeping it affordable. Shopping with ZestMoney gives you the freedom to buy right now and repay in either 30 days, or 3 to 4 months. You get to pick what works best for you. With a quick 3-step approval process, ZestMoney offers buy now in easy EMIs option at over 10,000 online & 85,000 offline stores.
Buy anything from laptop to TV to DSLR camera to a mobile on EMI at 0 down payment and 0 interest at our partner online and offline stores. Loyal ZestMoney customers are also offered personal loans making it the only loan app that you will ever need. Get your instant credit limit today and shop across Amazon, MakeMyTrip, Yatra, Myntra & 10,000+ online stores and pay in easy EMIs.
ZestMoney is India’s leading digital financing solutions provider. It has partnered with registered banks & NBFCs through which it facilitates consumer loans. It is loved by more than 11 million users across India. Customers from more than 16K pin codes have availed loans through ZestMoney ranging anywhere from INR 1,000 to INR 10 Lakhs!
Download to shop now and pay in easy EMIs!
Why should you use ZestMoney?
● Best EMI Shopping App with affordable EMI tenures
● Shop on EMI with 10000+ stores
● Fully digital process with no paperwork
● Instant loan approval and disbursal
What are the unique benefits of using ZestMoney?
★ Zero down payment
★ Zero application fees
★ No pre-closure fees
How do you sign up with ZestMoney?
● Download the ZestMoney app
● Complete your profile
● Submit required documentation
● Activate your credit limit
Where can you use ZestMoney?
You can make purchases on Amazon, MakeMyTrip, Myntra, Yatra, Mi, Oyo, Sangeetha Mobiles & 10000+ online stores. You can buy anything from smart phones to speakers from these stores.
How can you avail personal loan through ZestMoney?
ZestMoney facilitates personal loans through its lending partners to select customers based on different factors like good repayment behavior etc. The loan tenure can vary from 3 months to 24 Months (Zero prepayment fees)
Example of the loan calculations:
Loan amount = ₹1,00,000
Tenure = 12 months
IRR = 22%
EMI = ₹9,359
Processing Fees Including GST = ₹4,000
Total Interest Payable: ₹9,359 x 12 months - ₹1,00,000 Principal = ₹12,313
Total amount payable in 12 months = ₹1,16,313
Total cost of loan = Interest Amount + Processing Fees = ₹12,313 + ₹4,000 = ₹16,313
Flat Interest = 12.3% (~1.03% per month)
Maximum Annual Percentage Rate (APR) = ~40%
Responsible Lending:
ZestMoney has partnered with RBI-Authorised NBFCs.
Some of our lending partners are:
DMI Finance
More information about our lending partners is available on our website.
Manage loans
View/manage past and active loans in your account.
Repayment
Make repayments for active loans to increase your available credit limit.
Apply for Personal Loan
Eligible customers can apply for a personal loan.
Discover Merchants
Discover our merchant partners across all channels.
Support
Communicate with our customer support through phone or chat to get your queries resolved.
** Terms & Conditions apply
ZestMoney Privacy Policy :
www.zestmoney.in/privacy/
A better life is for everyone. And ZestMoney helps make it accessible for millions to upgrade, to enhance, to rise, while keeping it affordable. Shopping with ZestMoney gives you the freedom to buy right now and repay in either 30 days, or 3 to 4 months. You get to pick what works best for you. With a quick 3-step approval process, ZestMoney offers buy now in easy EMIs option at over 10,000 online & 85,000 offline stores.
Buy anything from laptop to TV to DSLR camera to a mobile on EMI at 0 down payment and 0 interest at our partner online and offline stores. Loyal ZestMoney customers are also offered personal loans making it the only loan app that you will ever need. Get your instant credit limit today and shop across Amazon, MakeMyTrip, Yatra, Myntra & 10,000+ online stores and pay in easy EMIs.
ZestMoney is India’s leading digital financing solutions provider. It has partnered with registered banks & NBFCs through which it facilitates consumer loans. It is loved by more than 11 million users across India. Customers from more than 16K pin codes have availed loans through ZestMoney ranging anywhere from INR 1,000 to INR 10 Lakhs!
Download to shop now and pay in easy EMIs!
Why should you use ZestMoney?
● Best EMI Shopping App with affordable EMI tenures
● Shop on EMI with 10000+ stores
● Fully digital process with no paperwork
● Instant loan approval and disbursal
What are the unique benefits of using ZestMoney?
★ Zero down payment
★ Zero application fees
★ No pre-closure fees
How do you sign up with ZestMoney?
● Download the ZestMoney app
● Complete your profile
● Submit required documentation
● Activate your credit limit
Where can you use ZestMoney?
You can make purchases on Amazon, MakeMyTrip, Myntra, Yatra, Mi, Oyo, Sangeetha Mobiles & 10000+ online stores. You can buy anything from smart phones to speakers from these stores.
How can you avail personal loan through ZestMoney?
ZestMoney facilitates personal loans through its lending partners to select customers based on different factors like good repayment behavior etc. The loan tenure can vary from 3 months to 24 Months (Zero prepayment fees)
Example of the loan calculations:
Loan amount = ₹1,00,000
Tenure = 12 months
IRR = 22%
EMI = ₹9,359
Processing Fees Including GST = ₹4,000
Total Interest Payable: ₹9,359 x 12 months - ₹1,00,000 Principal = ₹12,313
Total amount payable in 12 months = ₹1,16,313
Total cost of loan = Interest Amount + Processing Fees = ₹12,313 + ₹4,000 = ₹16,313
Flat Interest = 12.3% (~1.03% per month)
Maximum Annual Percentage Rate (APR) = ~40%
Responsible Lending:
ZestMoney has partnered with RBI-Authorised NBFCs.
Some of our lending partners are:
DMI Finance
More information about our lending partners is available on our website.
Manage loans
View/manage past and active loans in your account.
Repayment
Make repayments for active loans to increase your available credit limit.
Apply for Personal Loan
Eligible customers can apply for a personal loan.
Discover Merchants
Discover our merchant partners across all channels.
Support
Communicate with our customer support through phone or chat to get your queries resolved.
** Terms & Conditions apply
ZestMoney Privacy Policy :
www.zestmoney.in/privacy/
Download ZestMoney - Shop on easy EMIs APK
Fast, free and safe download.
APK Permissions 21
- android.permission.ACCESS_COARSE_LOCATION
- android.permission.ACCESS_NETWORK_STATE
- android.permission.ACCESS_WIFI_STATE
- android.permission.ANSWER_PHONE_CALLS
- android.permission.CALL_PHONE
- android.permission.CAMERA
- android.permission.FOREGROUND_SERVICE
- android.permission.INTERNET
- android.permission.POST_NOTIFICATIONS
- android.permission.READ_CALL_LOG
- android.permission.READ_EXTERNAL_STORAGE
- android.permission.READ_PHONE_STATE
- android.permission.RECEIVE_BOOT_COMPLETED
- android.permission.VIBRATE
- android.permission.WAKE_LOCK
- android.permission.WRITE_EXTERNAL_STORAGE
- com.android.vending.CHECK_LICENSE
- com.google.android.c2dm.permission.RECEIVE
- com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
- com.google.android.gms.permission.AD_ID
- in.zestmoney.android.zestlife.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
APK Verified
The cryptographic signature guarantees that the file is safe to install and was not tampered with in any way.
Frequently Asked Questions about ZestMoney - Shop on easy EMIs APK
This is the universal variant — a single APK that contains native libraries for every CPU architecture. It installs on any Android device but is larger than per-architecture variants.
Yes — the APK's signature has been cryptographically verified against the publisher's signing key. The SHA-256 hash is shown in the File Information panel so you can independently confirm the file matches the original release.
Android 21 (API level 35) or newer. Older devices will refuse the install.
Install a free app like 'CPU-Z' or 'Droid Hardware Info' from the Play Store and look at the ABI / Instruction Set row. Most phones made after 2017 are arm64-v8a; if in doubt, download the universal variant.
All variants are functionally identical — same features, same version. They differ only in which CPU architectures the native code is compiled for, and (sometimes) which screen densities the included graphics target. Pick the one that matches your device for the smallest install size, or pick 'Universal' if you're unsure.