Gurugram: Home Credit India, a consumer finance company, has launched its new brand campaign #KahoEMIKoHaan, a Holi-themed musical that encourages consumers to approach credit with confidence and clarity. Rooted in the festive spirit of Holi and aligned with the brand’s philosophy of #ZindagiHit, the campaign aims to shift India’s emotional relationship with credit from hesitation and doubt to smart, empowered financial decision-making.
The campaign draws from a culturally resonant insight: while Indians embrace colours and joy freely during Holi, they often hesitate when making financial choices such as opting for EMIs or loans. Through a vibrant musical narrative, Home Credit India positions credit not as a burden, but as a thoughtful enabler that helps people progress toward their aspirations without guilt or self-doubt.
Set during the onset of Holi, the film captures everyday moments of financial hesitation—a man struggling with an ageing scooter, a young woman disappointed by a malfunctioning phone, siblings pausing at a college admission payment page, and a newly married couple stepping away from a desired dining table after seeing its price. As celebrations continue around them, their internal pauses reflect dreams held back by uncertainty.
The turning point comes through subtle cues—a Home Credit notification, a banner outside a two-wheeler showroom, and a few reassuring taps on the Home Credit app. Doubt gives way to confidence, leading to small but meaningful decisions that unlock joy: Holi selfies on a new phone, a smooth ride on a new scooter, siblings celebrating an admission milestone, and a couple setting up their new dining table while sharing festive sweets with neighbours.
The film culminates in a collective Holi celebration, bringing together all characters in a colourful montage that reinforces the message that saying ‘yes’ to EMI can be saying ‘yes’ to life’s progress. The campaign is live across digital platforms, including YouTube, Facebook, Instagram, X and LinkedIn.
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 this campaign, Home Credit India reiterates its commitment to making credit easy, inclusive and stigma-free. The company currently empowers over 2 crore customers through a nationwide network of approximately 53,000 points-of-sale across 625 cities, offering products such as the Ujjwal EMI Card, Consumer Durable Loans, Personal Loans, Two-Wheeler Loans and Loans Against Property.
