SaveIN, one of India’s fastest growing checkout finance platforms, has announced its entry into the lifestyle and home décor segment through a strategic partnership with Royaloak Furniture. The collaboration enables customers across Royaloak’s stores in India to purchase furniture worth up to ₹10 lakh using easy EMIs, backed by a 30-second digital approval process.
The fully paperless solution is completed in-store without any separate application, allowing customers to move seamlessly from product selection to checkout. The integration is designed to remove financing delays at the point of purchase particularly for high value lifestyle products.
Expanding Beyond Healthcare
SaveIN initially built its scale by transforming affordability in India’s elective healthcare and wellness ecosystem. With over 7,000 partner locations and a strong presence in high-ticket medical categories, the company developed a digital infrastructure that enables instant, no-cost EMI financing at checkout.
Now, the Gurugram based fintech is extending this infrastructure to India’s $20+ billion furniture and home décor market. Unlike traditional buy now pay later (BNPL) models that focus on smaller ticket sizes, SaveIN’s approach is structured for high-value purchases.
Its 3-in-1 financing model integrates access to a pre-approved bank customer base of over 5 crore users, partnerships with multiple NBFCs, and credit card networks. This diversified financing backbone allows consumers to access flexible credit across premium lifestyle categories.
Enabling Aspirational Spending
The partnership with Royaloak reflects growing demand for financing solutions that match modern retail behavior. As furniture purchases often represent significant lifestyle upgrades, seamless credit access can play a decisive role in converting browsing intent into transactions.
Royaloak operates more than 200 stores nationwide and serves over 10 million customers across metro and tier II–III cities. By embedding SaveIN’s digital financing model into its retail ecosystem, the brand aims to improve conversion rates while enhancing customer experience.
For SaveIN, the move signals a broader ambition to become a multi category Pay Later platform catering to aspiration driven spending. By targeting healthcare and premium lifestyle segments two emotionally significant spending categories the company is positioning itself at the intersection of affordability and modern consumption.
Backed by Y Combinator, SaveIN continues to scale its presence across sectors where traditional financing often introduces friction. The expansion into home décor underscores a strategic pivot toward diversified, high ticket retail categories as India’s consumer credit ecosystem evolves.
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