emi

I had placed a laptop order on Flipkart for approx. 64k on 07 May 2025, During delivery (09 may) time as old laptop exchange wasn't accepted by the agent I cancelled the order as I had got additional 10k discount for exchange along with the laptop exchange amount, later on the same day (09 may)...

I am planning to make a part pre-payment on my home loan and would like to adjust the monthly EMI based on the reduced principal balance after the payment. However, the bank official informed me that adjusting the EMI in this way would be reported as a “loan rescheduled” entry in CIBIL...

Hey there, Has anyone recently tried the no cost emi cancellation trick with AXIS credit card, was it successfully done without any pre closure charges. If yes, please mention the date of transaction. Big billion days coming up, this will help us in making informed decision.

Hi, I have a home loan of (say 1 cr). Suppose 70L got disbursed and I pre-paid 30L. The current EMI is around 1 lakh. (Since on last disbursement, I asked to keep tenure constant) Hence high EMI for remaining tenure of 4 years. Now for the next disbursement, (Around 7L) I want the EMI to be...

Hi, I am struggling to understand how much total I will pay if I buy a product on EMI vs without EMI. For example: For the following product, HDFC EMI has 7000 off. So my cart value become 30999. Now on the payments page. I am seeing this: Other than the processing fee (299), will I be...

I purchased one TV last week. During the bill payment the sales guy told that I will get 2000 rs discount on EMI option on SBI credit card. As I didn't have it, i asked my friend to puchase it on his credit card and I will pay EMI monthly. He agreed and purchased on his SBI credit card...

Hey guys. I just bought a phone from Flipkart yesterday for around Rs. 60K after 12 months NCEMI and other discounts. I was wondering if I can pay the total balance right now before it gets converted to EMI. Will I still get the foreclosure charges? Will the Rs. 10K EMI discount that I got be...

Hello I purchased Samsung AC on 1st APR from offline store. I done payment using kotak credit card and salesperson created 3 month No cost EMI as there is a instant 4000 off on emi conversion. He told me that you got interest as a cashback after 90 days. 90 days passed but still i not get any...

Update: i found that the final cost would be 50K itself as it is not no-cost emi. on top of there will be 18% so another rs734. better to go via instant 4k discount. Hi, a month ago i canceled my pixel card because i had only 1.20 limit on millennia which i wanted to cross 1.5 for tata neu...

On 17th June, 2025, I bought an electronic appliance from Croma using my Tata Neu Infinity credit card and chose the Low-Cost EMI for 6 months to get around ₹6,000 instant discount, whose summary is as follows: The total amount debited from my card was ₹37,613.33. As I'm aware, HDFC provides...

I have done a txn of ~70k as emi and the bill was generated before emi conversion and i got 2100 points for that. What will happen to rp once the emi conversion happens ? Will the RP also gets rolledback ? The plan is to foreclose the emi once it's converted. Will i get the RP again after...

Hi Everyone, I am trying to purchase this product at TataCliq luxury website and following is coupon available. https://luxury.tatacliq.com/flexnest-adjustable-iron-dumbbell-weight-adjustment-(5kg-to-40kg)-for-home-workout,-40kg,-set-of-2/p-MP000000013989861 i want to know if i avail this...

My CIBIL score was 772. I had some EMI's on some my credit cards. Credit usage was around 29%. So, I foreclosed the EMI's. I checked the CIBIL score today and the credit usage was reduced to just around 4.5%. However, my credit score has been dropped to 770. Is this normal? Could this be the...

Mujhe apne hdfc credit card mai no cost emi close krni hai Product purchase- 17/05/25 No. Of months-6months Statement generation date- 21/05/25 1st emi toh post ho gyi hai statement toh agar mai ab cancel krunga toh processing fees wapis hogi kya? Aur es mai toh jo no cost emi ka discount...

I recently refreshed my CIBIL score from Cred app and saw that my score fell 70 points…. Upon checking further, it seems HDFC reported a delayed payment for my Car loan EMI that was infact paid on time…. The ECS mandate was executed as usual from my bank account and no manual payment was...

I purchased an AC from an offline store and there was an offer on SBI credit card and no cost EMI on pinelabs machine. There authorization amount was 30800 which got deducted from my card after the payment but my question is that the amount which they should have charged should be loan booking...

If I'm getting PANASONIC AC at 33.5K with HDFC EMI from Amazon, is it the price I'm paying? Or there will be any additional charges? The same ac is also around 35K from Flipkart without any EMI but 3% CB will be there I think via Payzapp hdfc card Can anyone help? Which one should i go with?

I recently purchased an air conditioner using my Kotak Platinum League credit card and opted for a 3-month EMI to avail a ₹1500 cashback offer. I have a few questions: 1) Can I cancel the EMI and pay the full amount instead? 2) If I cancel the EMI, will the processing and other associated...

Minimum Amount : 50000+ Processing fee waiver upto 1750 Drakensberg gift box : Keychain + Luggage Tag Reference i found online : https://www.drakensberg.in/products/luggage-tag-luca EMI Specifications : 3, 6, 9 , 12 months tenure 16% p.a interest rate 2% processing fees GST 3% + Taxes for...

Hi, In one of the recent videos by Sumanta Da, he mentioned about paying off a part of his home loan EMI using reward points. How does one do it?