Diwali 'No-Cost EMI' on a ₹40,000 Phone: The Real Cost, Line by Line
You tap 'No-Cost EMI' on a ₹40,000 Diwali phone and pay ₹0 interest — but GST, a processing fee and the discount you forgo still add up. The line-by-line math.
Consumer protection
No-Cost EMI Without a Credit Card: 5 Ways This Festive Season
No credit card? You can still get no-cost EMI this festive season — debit card EMI, the Bajaj Insta EMI Card, Pay Later, cardless EMI, or a small personal loan. How each works, and the real cost.
No-Cost EMI Isn't Free: What It Actually Costs You
'No-cost EMI' still costs you — the discount you forgo, 18% GST on interest, fees and stripped rewards. The real math on a ₹60,000 buy, plus 2026 RBI rules.
If Your Fintech App Shuts Down in India: What to Do
Your loan or neobank app shut down? Steps to protect your money and credit - find the partner NBFC, keep repaying, pull statements, and escalate.