Tag

#no-cost-emi

2 posts tagged with this

Personal loans

A personal loan vs 'no-cost EMI' for a big appliance or phone: the real math

On a single ₹75,000 appliance, a no-cost EMI usually beats a personal loan by a few hundred rupees. Stack three festive purchases on one card and the picture changes. Here's the rupee-by-rupee math from the credit side.

#no-cost-emi
#consumer-durable
#personal-loan

Patheek Manchanda 28 Sept 2026 6 min read

Laptops

In-store EMI vs a personal loan for laptops: when each one fits

The store offers no-cost EMI right at checkout, so why take a separate loan? Sometimes the store deal genuinely wins. Here's the honest, worked-out math on when each one actually fits.

#emi
#laptops
#no-cost-emi

Patheek Manchanda 13 Jul 2026 5 min read