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Subidha Furniture · Asansol, West Bengal
Choose sofas, beds, wardrobes, dining sets and home appliances — then own them through SFEMI Advance EMI, use them on rent or lease, or buy outright. Every payment is receipted and every promotional term is documented.
Plans & schemes
Pick the scheme that fits your budget and timeline. Every plan is backed by a written contract, published rules and a receipt for each payment.
Own your furniture through fixed monthly instalments, with a monthly draw that can waive your remaining EMIs.
| Feature | SFEMI | Rent | Lease | Direct purchase |
|---|---|---|---|---|
| Who owns it | You, once the plan is complete | Stays with Subidha | Stays with Subidha | You, on full payment |
| What you pay | Fixed monthly instalments | Deposit + monthly rent | Deposit + monthly lease charge | Full price, once |
| Refundable deposit | No | Yes | Yes | No |
| Promotional benefit process |
Product showcase
Shop by room, or start with what is new in the live catalogue. Swipe a product photo to see more pictures and videos.
Bulletin board
Live figures come straight from our records and refresh every minute. A draw result appears only after the draw is revealed.
No draw result published yet
SFEMI benefit records appear here only after they are verified. We never show placeholder records.
How it works
The same simple journey for every plan. You always know what happens next and what you have paid.
Browse the live catalogue here, or visit the Asansol showroom to see finishes, sizes and comfort in person.
Choose SFEMI Advance EMI, rent, lease or direct purchase. Send an enquiry and the branch helps with documents and KYC.
Our vision
Subidha Furniture is an Asansol showroom building a more transparent way to furnish a home. Informal instalment notebooks can be lost, altered or disputed. We replace them with a system you can see and verify: clear prices, published rules, receipted payments and draws anyone can check.
Our strategy
We break the price of a good home into fixed monthly instalments sized to your budget, agreed in writing before you join.
EMI calculator
Move the sliders to see an SFEMI monthly amount — the plan value divided by the number of months.
Estimate your monthly payments at 0% interest with our Advance EMI plan.
Indicative only. Your final monthly amount is fixed in your approved contract.
Enquire with this budgetCommon questions
The questions customers ask most. The FAQ page has the full list.
Subidha Core is the digital operating and financial ledger system powering Subidha Furniture. SFEMI Advance EMI is an installment program allowing customers to acquire quality furniture through structured monthly advance installments. Every enrolled customer receives an SFEMI ID (00–99) within a batch for the published promotional cycle. Any benefit is subject to the signed terms and is never guaranteed.
No. An SFEMI ID provides eligibility only and never guarantees a benefit. Participation constitutes an installment purchase agreement, not an investment or prize entitlement.
Pick a product, compare plans, or talk to the branch. Nothing is recorded until you submit the enquiry form.
Best for: Families who want to own with a predictable monthly budget.
A promotional purchase plan, not a lottery. An SFEMI ID does not guarantee a benefit.
Use quality furniture for a monthly rent, without buying it.
Best for: Tenants, students and professionals on shorter stays.
Longer-term use on a documented contract, with room to renew or upgrade.
Best for: Offices, guest houses and longer family stays.
Pay the full price once and own the product outright.
Best for: Customers ready to buy in one payment.
| As stated in SFEMI terms |
| No |
| No |
| No |
| Delivery | When the plan becomes eligible | After the deposit is collected | After the deposit is collected | After payment and scheduling |
|---|
0 of 0 seats are taken across 0 published batches.
Eligibility and promotional records follow documented terms and controlled branch verification.
Read SFEMI termsRefunded after the return inspection and a dues check, with a written settlement statement.
Read the policyVisit the Asansol showroom to check finishes, sizes and comfort in person.
Showroom & contactPay in cash, by UPI or by bank transfer. Each payment is receipted and visible in your customer portal.
Delivery is scheduled once your plan is eligible. A signed handover record protects you and us.
Plan rules, policies and draw results are published. Each draw is committed with a hash before it happens, so a result cannot be changed afterwards.
Touch and try every product in person, then track payments, receipts, SFEMI IDs and delivery from your phone.
Own, rent, lease or buy outright. Change the plan to suit your situation, not the showroom you trust.
Our commitments to you
No. Winning waives 100% of future unpaid EMI installments from the winning month onward. Under our core append-only financial invariants, EMIs or advance down payments settled prior to the winning draw are non-refundable in cash, bank transfer, or credit. The customer receives full ownership title to the furniture without paying the remaining balance.
Customers who prefer immediate furniture possession at enrollment may pay an advance prepayment threshold (between 60% and 80% of total contract value upfront). This unlocks Same-Day Enrollment & Same-Day Delivery under Hire-Purchase title retention. If this customer subsequently wins a draw, the remaining 20% to 40% unpaid installments are waived, with zero cash refund on settled advance payments.
For products delivered under advance prepayment, legal title and ownership remain strictly with Subidha Furniture until 100% of the contract value is settled (either by completing remaining installments or via an audited draw waiver). In case of payment default exceeding thirty (30) days following formal notice, Subidha Furniture reserves the enforceable legal right to repossess the goods.
Draws use a cryptographic SHA-256 commit-then-reveal protocol. Prior to the draw, a commitment hash is published on our public website. Following the open physical draw, the secret seed and winning number are revealed. Anyone can verify that the revealed values match the pre-published hash, mathematically proving that results were not altered retrospectively.
