Samsung India has officially introduced a disruptive ownership model called “Galaxy Forever” for its latest flagship series—the Galaxy S26 Ultra and Galaxy S26+. Launched on March 19, 2026, this program is designed for users who want to stay on the cutting edge of technology without paying the full sticker price upfront.
If you’ve been eyeing the ₹1,39,999 Galaxy S26 Ultra, this official program allows you to start using it by effectively paying only 50% of its value over the first year. Here is the verified data from Samsung’s official terms.
1. How “Galaxy Forever” Works (The Official Three-Step Process)
Unlike a standard EMI where you pay to own the device over 24–36 months, Galaxy Forever is a 12-month commitment with an “Assured Buyback” guarantee.
- The Entry: You pay 50% of the device’s cost via 12 No-Cost EMIs.
- The Protection: A mandatory monthly “Program Fee” includes Samsung Care+ (Accidental & Liquid Damage Protection) worth ₹13,999 for 13 months.
- The 13th Month Choice: After one year, you have three official options:
- Return: Give the phone back to Samsung (no questions asked) and walk away. Your 50% payment is treated as a “rental” for the year.
- Upgrade: Hand over your S26 and move to the next flagship (Galaxy S27). Your 50% buyback value covers the remaining balance of the old phone.
- Retain: Pay the remaining 50% balance (either in one shot or via 12 more no-cost EMIs) to own the phone forever.
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2. The Official Math: S26 Ultra vs. S26+
Based on the official price list released on Samsung.com, here is what your monthly outflow will look like:
| Feature | Galaxy S26 Ultra (256GB) | Galaxy S26+ (256GB) |
| Full Retail Price | ₹1,39,999 | ₹1,19,999 |
| Monthly Device EMI (12 Mo) | ₹5,833.29 | ₹4,999.96 |
| Monthly Program Fee | ₹749.92 | ₹749.92 |
| Total Monthly Payout | ₹6,583.21 | ₹5,749.88 |
| Included Benefit | Samsung Care+ (Zero Deductible) | Samsung Care+ (Zero Deductible) |
3. Important “Fine Print” from Official Sources
To ensure your article meets EEAT standards, you must highlight these official constraints that most news snippets miss:
- The Stylus Rule: For the S26 Ultra, you must return the S Pen in working condition. If the stylus is missing or broken, Samsung (via its partner Servify) will charge you ₹4,399 before accepting the return.
- Device Condition: While it’s a “no questions asked” return, the device must pass a basic functional test: it must turn on, the screen should be free of major cracks/spots, and all personal accounts (Google/Samsung) must be logged out.
- The Program Fee is Extra: The 50% cost claim refers to the device price. The ₹749.92 monthly fee is an additional service charge for the buyback guarantee and insurance.
- Availability: Currently, the Credit Card No-Cost EMI option is exclusive to Samsung.com, while Samsung Finance+ can be used both online and at 1,500+ Samsung Experience Stores.
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