Product EMI
Buying a phone, laptop or appliance on EMI, and what the offer is not telling you.
- 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 EMIWhat 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 CostsThe 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, Editor · Last updated