Product EMI
Buying a phone, laptop or appliance on EMI, and what the offer is not telling you.
7 guides
Is No-Cost EMI Really Free?
How no-cost EMI is funded in India, the charges that survive the offer, and how to work out whether a particular one is genuinely free.
No-Cost EMI or the Cash Discount?
Indian retailers offer either no-cost EMI or a discount for paying upfront, rarely both. How to work out which one leaves you better off.
How a Down Payment Changes Your Phone EMI
What paying part of a phone's price upfront does to the instalment and the interest, and why trading in your old phone does the same job.
iPhone 18 Pro on EMI: What It Really Costs
The instalment on an iPhone 18 Pro at Apple India's listed price, what a card EMI adds over a no-cost plan, and how trade-in changes the maths.
Phone EMI Without a Credit Card: What Are the Options?
Debit card EMI, consumer durable loans and pay-later plans all finance a phone without a credit card. What each actually costs.
Exchange vs Down Payment: Which Cuts Your EMI More?
Trade-in value and cash down payment reduce your EMI identically. What differs is what each one costs you, and one of them is often free money.
What Is the Best Tenure for a Phone EMI?
Longer phone EMIs cost more and often outlive the phone. How to pick a tenure, and why no-cost and financed plans need opposite answers.
Reviewed by Pradipta Ray, MBA (Finance) · Updated