Interest zero hai, par bill zero nahi.
3 chhupe kharche
3 kharche jo No Cost EMI me bhi lagte hain, aur pay se pehle kya check karein.
Interest gayab nahi hota, discount usko barabar kar deta hai.
18%
GST, EMI ke interest wale hisse par
Discount interest ko cancel karta hai, uske GST ko nahi. Ye aapko dena padta hai.
| HDFC EasyEMI | ICICI Instant EMI | |
|---|---|---|
| Processing fee | ₹99 se ₹699 | 2.99%, max ₹299 |
| Fee par GST | Haan | Haan |
| Kis par depend | Product, merchant | Har instant EMI |
Ye fee bank leta hai, aur iske upar GST bhi. No Cost EMI ho tab bhi.
3% tak
ICICI Instant EMI foreclosure charge
EMI beech me band ki to charge lag sakta hai. ICICI is par bhi GST lagata hai.
Pay se pehle 3 checks
Bank ka EMI page aur T&C hi final hain. Fee bank aur card ke hisaab se badalti hai.
No Cost EMI kab theek hai
Fee + GST jod ke dekho. Phir bhi theek lage to No Cost EMI lo.
Bank offer + EMI
No Cost EMI ke saath bank discount milega ya nahi, poora guide padhein.
Sources: HDFC Bank: EasyEMI on Credit Card (fee, GST on interest), ICICI Bank: Instant EMI terms and conditions, Amazon Business: EMI on business purchases (no cost EMI discount)