Its Me The emi paid by you i.e Rs 3667 consists of both principle and interest amount. The bank charges you gst @18% on the interest amount which is included in the emi. The gst amount reduces every month because interest amount is calculated on reducing balance which keeps decreasing every time you make one payment.
@Its Me I had purchased a laptop of 33240 and choose to pay by no cost emi. So I had to pay 5540 for 6 months. But when bank sent me the 1st bill off that emi, it was 5540 +67. So basically you have to pay a little bit more than the mentioned amount of emi. Hope I could make you understand what I mean.
Bahut sahi sir. "No cost EMI" is a very good topic that you choose because most of people are confused about it. But apne ise achhe se samjhaya iske liye bahut bahut dhanyavad.,🙏
U dont necessarily get lower price of the same product in the offline maket. Its not true at all. I bought a laptop for Rs.26990 online with no cost EMI whereas in offline market it was for Rs.29000 after all negotiations.
Actually I was looking for demerit of No Cost EMI, which was the motive of thumbnail. But nothing found like that. If you could have just told us about the GST charges on top of EMI then it would have been clear that how they are cheating on the name of No Cost EMI
My thoughts exactly. You still have to pay the taxes on interest even in case of no cost EMI. This should also be taken into consideration while making purchase.
thanku yogi ji...3 videos dekhi back to back...saare doubts clear....or aapko kbhi b kahne ki zrurt nhi h ki...subscribe and like k lie....itna ache se smjhaate and video bnaate ho har koi...khud se kr dega.
Very nicely explained. Its really bad the way bank agents get away by hiding facts, sometimes lying to customers while selling their products just for their commissions.
On no cost EMI one pays additional GST on the Interest charged by the bank/credit card. Generally all credit cards charge a interest say of 12%p.a. and then reverse the interest but then the GST is not reversed
Do they reverse the interest? Because I just purchased a product on NO COST EMI but got an email that the amount of so and so has been converted into 9 EMIs at 14% reducing rate and processing fee. But it was no cost EMI till 9 months. Then why this interest?
You have put really great efforts!! Sabse important baat aapko batana chahiye tha ki EMI = Principal + Interest + 18% GST on Interest. Aapne sirf Principal + Interest ki baat ki. Customer always ends up paying GST extra and that's the loss. Dost kaunsa credit card 36% aur 18% interest charge karta hai aur kab? 36-42% tab charge hota hai jab koi statement billed amount partially ya zero ya minimum due pay karta ho, wo bhi bache amount pe lagta hai aur next bill me add hoke aata hai. Koi rare bank hogi jo 18% rate pe emi banati ho otherwise it is 13-14%. Credit Card is great tool if used correctly. Ispe bhi ek video banaiye, unbiased.
Sir, your example is awesome. I have personally seen this. My friend bought a mobile phone on EMI and also added extra 32GB memory, extra headphone, screen guard, flip-cover etc.
Which is better, No cost EMI or Bajaj Finserv se direct line lekar saman kharid na? I want to buy a laptop, then Will I go no cost EMI Or Bajaj Finserv se lone lekar laptop kharid karunga? Plz advice.
Sir, you explained very well in this video. I appreciate your teaching skills sir, and I believe no cost EMI is the best option to buy any product unless or until you control your desires to buy other unnecessary products.
one more thing to be added over here is the GST calc.. EMI amount is (Principal +Interest) and bank applies 18 % GST on interest. most of the times retailer or aggregator is not calculating this amount and its loss to consumer in case of EMI
आप ने दिखाया की 20k का फोन offline store मे 19k मे मिला, जो की गालत assumtion हैं। offline store ऑनलाईन से कम छोडिये, ऑनलाईन की price तक match नाही करते
so good dear...i have become your big fan...keep spreading such education...God Bless You forever...the goodwill u get and the blessings, far overpower the money you make in Ads from UA-cam
Hi Sir, Mera sawal hai ki maine Ek baar hdfc card se Emi par phone Magaya Tha Aur Abhi No cost emi Par mujhe Wo hi Credit card se Phone Purchase karna hai to mujhe no cost milega ? Plz reply.
Sir, u must include the GST part on every EMI transactions that bank charges on consumer's which is 18% (axis bank) I follow ur vdos i find it informative and useful.
Hi, I really liked your video. Few take away from your video for me are 1. Check if a new product is going to launch, 2. Check for No Cost EMI terms and conditions. One suggestion for your next video could be - These days companies(like Amazon) are providing No Cost EMI where they will give an initial discount equal to 6 months EMI Interest cost and then you will be charged EMI Interest from your bank. Is there anything we need to be cautious about these kind of schemes?
Sir your video is very informative and you are doing very passionately and genuine. Sir plz make a video on this topic how much years we gone back financially because of corona and how much it takes time recover the financial growth. How much it take time to increase the GDP
Regarding repayment of no cost debit card EMI... Is it auto debit from my account by default or should we contact the bank and give standing instructions for auto debit for repayment of no cost EMI? Thank you
The biggest point that you have missed is of upfront processing charges + GST (i.e. around 99/199+18% GST) and another important thing is 18% GST on interest. Please give a heed to this.
You video tagline is misleading, you covered everything we knew and not the facts we did not know, example the GST of emi's was not not covered which adds up to the cost.
You missed to mention that the bank charges GST/IGST @ 18% along with some financial charges. I bought something on Amazon using my AMex card on EMI and now I’m paying more than Rs250 extra every month , in addition to the EMI amount. I was expecting something on these charges in your video.
exactly Gautam, banks hmara bevkoof bnata h ....jo discount hme wo initially deta h wahi amount hmse GST/IGST lga k vasool krleta h .....koi fayda nahi hota No cost EMI pe lene ka
Please analyse, should a government servant go for a Health Insurance or not? Merits of a government servant - Pension, Medical Check up plus care/ treatment through government agencies/ empanelled hospitals. Demerits - Procedural issues, quality of hospitals empanelled in the list. keeping above in mind, I shall request you to please analyse and suggest if a person who is in the Government Sector should buy a health insurance or not? thanks n regards
Plz do share that how purchasing on emi benefit our economy as well... So that youth can learn .... Bcz more the money circulates, more it will multiply... Ultimately enhancing the purchasing power of people
I believe you are some how correct however onlile is always chapter then offline store even after the no cost emi. Most important thing on consumer point of view online shopping always best and cheaper then offline store.
Another thing which you failed to mention and i want to add: No cost Emi is a good option from consumer perspective but, suppose you have a 6 monthly plan....then for every monthly emi payment GST is charged and that is the extra cost to consumers....but you do get the extra time and that's always a plus point of No cost Emi!👍🏻 But remember, GST will be extra on the no cost Emi sum for every month.... NOTHING IS FREE!
Hi Mukul, First of all, You are doing great job. I have seen almost all of your videos. Secondly, you forgot to include 18% GST in NoCost EMI calculation. Though interest is paid by seller but GST on interest has to paid by buyer only.
Sir kya EMI se Mobile Buy karne ke liye Bank me Utna pesa hona chaiye ya nahi ???? means, Iff I have only 20,000 Rs in CreditCard then I have to recharge My card upto 37,000 to buy 37,000 Rs mobile ... Then how this is EMI and How this work ............ I Have no money at a time... but I want to buy this,.... I can pay them 37000 in Installment ?????? What is mith and What is Reality ???
No, you can not buy. The total cost of the product will be used to block the amount in your credit card but in your case it is insufficient hence you won't be able to make the transaction.
@@snehijob What is the Credit Limit of your Card? 1. If your Card's limit is more than 37k and there is pending due, clear those first so that available balance is more than 37. 2. If credit limit is less than 37k then get this increased by calling bank.
Ismein ek baat aur bhi to hai... Main seedha leta to 20,000 ka phone le leta, lekin agar 1600 ya 1800 hi per month dene hain wo bhi bina byaj ke to koi aur badhiya phone le lunga na jo 2500 ya 2800 tak no cost emi par mil rha ho. Kyunki main 2500 ko 20000 se compare karunga aur wo bahot kam lagega. Jabki actually mujhe 30000 ke phone ki na to zarurat thi aur na hi meri pocket allow kar rahi thi.
Good Work and Good Information, No Matter That Percentage and Calculations Are On Which Amount and What The Percentage, Knowledge is Very Good For Understanding... Thank you...
Sir, ek aur nuksan ah psycological point of view of customer ko lekar, ki habbit banega ki ek bar paisa nahi hote hue bhi apni limt se jyada kharch kar raha ha to wo bar bar karega or ,monthly salary se per month paise katega. lIke buying phone every year
Nice information. One thing you missed. While taking no cost EMI for 3 or 6 months, banks are charging extra service charge on each EMI. So we as a customer has to incur such amount in consideration before moving to NOCOSTEMI. Let me know your view on this..
Awesome video. Hopefully, this will take out fear in people of taking things on credit. Please also explain LIC policies pros and cons like jeevan anand and others. -Thanks
bilkul bohot achi jankari... sir terms and conditions mein likha rehta hai ke bank extra charge kar sakta hai NO Cost EMI option mein... iska matlab bank charge karega amount?
*Mujhe real me xt lene hai no cost emi se flipkart se, ye process kaise hota hai, mujhe btaiye.... Kya GST + processing fee hoti hai? Aur isse kahi na kahi paise badh jate hai dene ke? Plz reply krna brdr*
sir emi pe agar ek mobile flipkart ya Amazon se order kiya..... phone hame pasand nhi aaya ya phone defective likal gaya us case mein ... emi wapas ho jaegi ya kya. kya ho sakta hai please bataiye
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You missed mentioning GST charged by the bank on the interest, that will increase the total amount you actually pay against Product.
Right......Gst ka isko pta bhi nhi h....baki chij to sbko pta hai
Its Me The emi paid by you i.e Rs 3667 consists of both principle and interest amount. The bank charges you gst @18% on the interest amount which is included in the emi. The gst amount reduces every month because interest amount is calculated on reducing balance which keeps decreasing every time you make one payment.
Its Me To answer your question, yes you will have to pay a bit more than Rs 3667.
@Its Me I had purchased a laptop of 33240 and choose to pay by no cost emi. So I had to pay 5540 for 6 months. But when bank sent me the 1st bill off that emi, it was 5540 +67.
So basically you have to pay a little bit more than the mentioned amount of emi.
Hope I could make you understand what I mean.
@@amritanand6406 I have same experience with Hdfc bank during buying a freeze
आप के समझाने का तरीका बहुत ही अच्छा हे. चीज़े आसानी से समझ सकते हैं और याद रखना भी आसान हो जाता हे. खुदा आप को खुश रखे आबाद रखे.
Dhanywaad Junaid :)
No cost emi actually includes
1. loan int amortization charges
2. gst 18% on loan amortization charges
You missed out on the part of GST applivable on the interest waived by the bank. Though mininscule but worth mentioning in the detail. Great video..!!
Sir apne bahut ache se samjhaya aise koi nhi samjhata mujhe apki video bahut achi lgi or jaankari bhi thankuu soo much sir🙂
Thanks for appreciation
Bahut sahi sir. "No cost EMI" is a very good topic that you choose because most of people are confused about it. But apne ise achhe se samjhaya iske liye bahut bahut dhanyavad.,🙏
U dont necessarily get lower price of the same product in the offline maket. Its not true at all.
I bought a laptop for Rs.26990 online with no cost EMI whereas in offline market it was for Rs.29000 after all negotiations.
This Asset Yogi doesn't even have his own facts straight.
Good
That's 100 % True...
Actually I was looking for demerit of No Cost EMI, which was the motive of thumbnail.
But nothing found like that.
If you could have just told us about the GST charges on top of EMI then it would have been clear that how they are cheating on the name of No Cost EMI
Correct. Bank charges GST even on no cost EMI
Read economic times(ET) article that was better one
Same here, he is misleading by the thumbnail and title.
My thoughts exactly. You still have to pay the taxes on interest even in case of no cost EMI. This should also be taken into consideration while making purchase.
Correct. Fake video..
Mr Yogi... You have a very deep understanding of whatever videos you share!
EXCELLENT!! Keep up the good work!
Thanks Rakesh :)
thanku yogi ji...3 videos dekhi back to back...saare doubts clear....or aapko kbhi b kahne ki zrurt nhi h ki...subscribe and like k lie....itna ache se smjhaate and video bnaate ho har koi...khud se kr dega.
Thanks for appreciation :)
मुकुल जी , आपका समझाने का तरीका बेहतरीन है।
Wish you good luck.
Bahut bahut dhanyawaad apka 😊
@@AssetYogi saare comment padha karo sirf iss type ka nahi
@@exploreuniverse2749 padhte to Sare hai, par reply sirf aise comments ko karte hai 🤣
@@kamleshbera87 hmmm
Very nicely explained. Its really bad the way bank agents get away by hiding facts, sometimes lying to customers while selling their products just for their commissions.
Keep supporting Ryan :)
On no cost EMI one pays additional GST on the Interest charged by the bank/credit card. Generally all credit cards charge a interest say of 12%p.a. and then reverse the interest but then the GST is not reversed
Do they reverse the interest? Because I just purchased a product on NO COST EMI but got an email that the amount of so and so has been converted into 9 EMIs at 14% reducing rate and processing fee. But it was no cost EMI till 9 months. Then why this interest?
You have put really great efforts!!
Sabse important baat aapko batana chahiye tha ki EMI = Principal + Interest + 18% GST on Interest. Aapne sirf Principal + Interest ki baat ki. Customer always ends up paying GST extra and that's the loss.
Dost kaunsa credit card 36% aur 18% interest charge karta hai aur kab? 36-42% tab charge hota hai jab koi statement billed amount partially ya zero ya minimum due pay karta ho, wo bhi bache amount pe lagta hai aur next bill me add hoke aata hai. Koi rare bank hogi jo 18% rate pe emi banati ho otherwise it is 13-14%. Credit Card is great tool if used correctly. Ispe bhi ek video banaiye, unbiased.
U r ryt bro that no bank charges 18% Or near to it. In fact sbi charge for 2 yr is 14% interest max. On principal.
😂😂😂😂
sir showroom and bank ki income kese hoti he voto pata chal gaya...
or rahi GST ki bat
to vo me apne aap samaj gaya
thank's sir.......
Sir, your example is awesome. I have personally seen this.
My friend bought a mobile phone on EMI and also added extra 32GB memory, extra headphone, screen guard, flip-cover etc.
Thank you 😊
Which is better, No cost EMI or Bajaj Finserv se direct line lekar
saman kharid na? I want to buy a laptop, then Will I go no cost EMI
Or Bajaj Finserv se lone lekar laptop kharid karunga? Plz advice.
Sir, you explained very well in this video. I appreciate your teaching skills sir, and I believe no cost EMI is the best option to buy any product unless or until you control your desires to buy other unnecessary products.
You provided us Very useful information
Thanks a lot
Thanks for Easily understanding the concept.
one more thing to be added over here is the GST calc.. EMI amount is (Principal +Interest) and bank applies 18 % GST on interest. most of the times retailer or aggregator is not calculating this amount and its loss to consumer in case of EMI
Best explanation,all confusions cleared related EMI..
आप ने दिखाया की 20k का फोन offline store मे 19k मे मिला, जो की गालत assumtion हैं। offline store ऑनलाईन से कम छोडिये, ऑनलाईन की price तक match नाही करते
Yes bro , you are right
bilkul shi kha...
Nahi app galat Bata raha hain offline sasta mistake hain bus apko 3 -4 shops pe Pata karna hota hain aur bargaining Karni Ani chaiye
Final destination to solve problems... your videos.... thanks
Most welcome 😊
Thnx sir ji
Concept or aapke btane ka trika dono hi bohot ache the
When we are giving no cost Emi at retail counters
There's no gst on emi
Everything is included.
I am a camera dealer from Maharashtra
so good dear...i have become your big fan...keep spreading such education...God Bless You forever...the goodwill u get and the blessings, far overpower the money you make in Ads from UA-cam
No cost emi pe interest ka upfront discount milta hi hai...iske alawa bank discount bhi milta hai generallt during sales..
Hi Sir,
Mera sawal hai ki maine Ek baar hdfc card se Emi par phone Magaya Tha Aur Abhi No cost emi Par mujhe Wo hi Credit card se Phone Purchase karna hai to mujhe no cost milega ?
Plz reply.
आज पता लगा मुझे , बोहोत सही से बताया आपने सर जयहिंद जय महारा्ट्र
Dhanyawaad
Nicely explained! I've been following all your videos. You are doing a great job Sir.
Thank you for your kind words and support.
Sir, u must include the GST part on every EMI transactions that bank charges on consumer's which is 18% (axis bank)
I follow ur vdos i find it informative and useful.
Hi, I really liked your video. Few take away from your video for me are 1. Check if a new product is going to launch, 2. Check for No Cost EMI terms and conditions. One suggestion for your next video could be - These days companies(like Amazon) are providing No Cost EMI where they will give an initial discount equal to 6 months EMI Interest cost and then you will be charged EMI Interest from your bank. Is there anything we need to be cautious about these kind of schemes?
Sir your video is very informative and you are doing very passionately and genuine. Sir plz make a video on this topic how much years we gone back financially because of corona and how much it takes time recover the financial growth. How much it take time to increase the GDP
बहुत ही अच्छा समझाए है सर। थैंक्यू
Hope it's helpful 😊
Regarding repayment of no cost debit card EMI... Is it auto debit from my account by default or should we contact the bank and give standing instructions for auto debit for repayment of no cost EMI? Thank you
Glad to see that you have acted on my request and made this informative video on no cost emi
Thanks INDERR
Extremely insightful video , thanks for this sir !!!!!
Keep learning Kunal :)
Thank you sir aap ne bahot hi achhe se samjhaya
Mai ye hi khoj raha tha
Thanks a lot sir apne sari problems ko door kr diya ayese hi vdo bana ke humko information dete jayen..once again thank a lot sir🙏🙏
Thanks for appreciation 😊
The biggest point that you have missed is of upfront processing charges + GST (i.e. around 99/199+18% GST) and another important thing is 18% GST on interest. Please give a heed to this.
do we have to pay this charge every month?
GST on interest needs to be paid every month.
@@binu1994 what about processing fee?
one time@@thecybersahil
@@binu1994 but we will be paying gst every month ?
You video tagline is misleading, you covered everything we knew and not the facts we did not know, example the GST of emi's was not not covered which adds up to the cost.
Sir wonderful explanation..
Thanks for this useful video..
Thank you for appreciation Sambit, hope it helps 😊
बहुत बहुत धन्यवाद सर् आपके द्वारा हमे नो कॉस्ट EMI का पूरा जनाकारी मिला
Achcha laga sun ke Lakesh :)
THANKS FOR THIS INFO ABOUT NO COST EMI
You missed to mention that the bank charges GST/IGST @ 18% along with some financial charges.
I bought something on Amazon using my AMex card on EMI and now I’m paying more than Rs250 extra every month , in addition to the EMI amount. I was expecting something on these charges in your video.
exactly Gautam, banks hmara bevkoof bnata h ....jo discount hme wo initially deta h wahi amount hmse GST/IGST lga k vasool krleta h .....koi fayda nahi hota No cost EMI pe lene ka
You are rjght
Amazon pe emi options clearly mentioned Kiya...but thanks 😊 for the information
Very well explained, thank you
You are welcome!
Thank you sir.... For this kind of useful knowledge
Most welcome
Please analyse, should a government servant go for a Health Insurance or not?
Merits of a government servant - Pension, Medical Check up plus care/ treatment through government agencies/ empanelled hospitals.
Demerits - Procedural issues, quality of hospitals empanelled in the list.
keeping above in mind, I shall request you to please analyse and suggest if a person who is in the Government Sector should buy a health insurance or not?
thanks n regards
Well explained,only one thing that in most of cases offline costs tends to be more than competitive online cost
Processing fee and GST will be extra.
Some credit cards charge 12% to 15 %
Visa Master se ko bhi fayda hota hai per transaction.
Bank is charging GST on the interest part of EMI so it's not No cost EMI (some cost associated)
Plz do share that how purchasing on emi benefit our economy as well... So that youth can learn .... Bcz more the money circulates, more it will multiply... Ultimately enhancing the purchasing power of people
Thanks You Sir For Helping Me To Calculate Actual Emi Cost.. I Want To Buy Iphone Se 3red Gen..
Keep learning
You used one very important word - Discipline! And that's intangible
Omg! U just enlightened us. Thank you so much sir ? Beautifully explain and worth to share this with friends. 🙏🙏
You missed to mention GST on installment....approx 18 %.....how no cost EMI ???
I believe you are some how correct however onlile is always chapter then offline store even after the no cost emi. Most important thing on consumer point of view online shopping always best and cheaper then offline store.
Bhott acha samjhaya hai sir,thank you
Keep learning Kunal :)
Thanks for your valuable information...
Hope it helps Ankur 😊
Another thing which you failed to mention and i want to add: No cost Emi is a good option from consumer perspective but, suppose you have a 6 monthly plan....then for every monthly emi payment GST is charged and that is the extra cost to consumers....but you do get the extra time and that's always a plus point of No cost Emi!👍🏻
But remember, GST will be extra on the no cost Emi sum for every month.... NOTHING IS FREE!
Gawar English jagah Hindi m to likh leta kya likha h tujhe b samjh aara hai?
Bohot acche se samaj gaye ji 👍
Dhanyawad 😊
Explanation was good...but what about GST calculation and processing fess of credit card on No cost EMI ...Sir
Very nice and helpful sir...
Hi Mukul,
First of all, You are doing great job.
I have seen almost all of your videos.
Secondly, you forgot to include 18% GST in NoCost EMI calculation. Though interest is paid by seller but GST on interest has to paid by buyer only.
Hi, Your video is informative but mises the points you had mentioned at the beginning of the video. Please complete the video soon. Thank You.
Very nice video. Please make video on sbi cards brother.
Tqqq for your expensive knowledge 👍
It's my pleasure
Thanks sir for giving proper information about it...
Keep watching
Thank u sir u shaired very nice information
Hope it helps :)
It would be awesome if you would also have calculated the present value of the total EMI's we are paying
THANK YOU SO MUCH SIR ❤️ VERY HELPFUL VIDEO EVER ❤️👍😉
Keep learning Alok :)
Sir very nice video..Kya aap ..Old pension or ..nps..Ki..Tulna me koi video ..banaonge..
Thank you so much Samjhane ke liye UA-cam mein acche videos dalte Chahiye ya no cost EMI thank you
Sir kya EMI se Mobile Buy karne ke liye Bank me Utna pesa hona chaiye ya nahi ???? means, Iff I have only 20,000 Rs in CreditCard then I have to recharge My card upto 37,000 to buy 37,000 Rs mobile ... Then how this is EMI and How this work ............ I Have no money at a time... but I want to buy this,.... I can pay them 37000 in Installment ??????
What is mith and What is Reality ???
No, you can not buy. The total cost of the product will be used to block the amount in your credit card but in your case it is insufficient hence you won't be able to make the transaction.
@@djdhade can i recharge craditcard then buy??
@@snehijob What is the Credit Limit of your Card?
1. If your Card's limit is more than 37k and there is pending due, clear those first so that available balance is more than 37.
2. If credit limit is less than 37k then get this increased by calling bank.
Didn't highlight how the bank's are cheating in the name of no cost emi ??? This is what you started explaining??
Ismein ek baat aur bhi to hai... Main seedha leta to 20,000 ka phone le leta, lekin agar 1600 ya 1800 hi per month dene hain wo bhi bina byaj ke to koi aur badhiya phone le lunga na jo 2500 ya 2800 tak no cost emi par mil rha ho. Kyunki main 2500 ko 20000 se compare karunga aur wo bahot kam lagega. Jabki actually mujhe 30000 ke phone ki na to zarurat thi aur na hi meri pocket allow kar rahi thi.
Thank you for sharing your thoughts with the community Sagar 😊
Good Work and Good Information, No Matter That Percentage and Calculations Are On Which Amount and What The Percentage, Knowledge is Very Good For Understanding... Thank you...
Hope it helps you Hardik
Sir, ek aur nuksan ah psycological point of view of customer ko lekar, ki habbit banega ki ek bar paisa nahi hote hue bhi apni limt se jyada kharch kar raha ha to wo bar bar karega or ,monthly salary se per month paise katega. lIke buying phone every year
Nice information. One thing you missed. While taking no cost EMI for 3 or 6 months, banks are charging extra service charge on each EMI. So we as a customer has to incur such amount in consideration before moving to NOCOSTEMI. Let me know your view on this..
Awesome video.
Hopefully, this will take out fear in people of taking things on credit.
Please also explain LIC policies pros and cons like jeevan anand and others.
-Thanks
I saved 20000/- without purchasing, I have mobile
Perfect
Leliyaa Bhai tune to good job
bilkul bohot achi jankari...
sir terms and conditions mein likha rehta hai ke bank extra charge kar sakta hai NO Cost EMI option mein... iska matlab bank charge karega amount?
Yes
Bohot achcchi information hai sir...
Aapko saari videos bohot badiya Hoti H.
Thank you for appreciation. Abbass
Go for Bajaj Finserv... it's really 0% intrest EMI... I'm using it for past 3 years to buy electronics worth lacs
Aap kaise istemal karte hain Bajaj F App😯
Sahi bat he
Pratik Gupta
File charge hi interest hai
Me also
Bhai aap ka link send krdo
Actually there is a 18%GST on interest rate of No cost EMIs 😀 that charages per month on that interest
Hey, thank you for the video. Only 1 question is there a processing charge for no cost EMI.
No there is no processing charge...
Nice video I'm watching from nepal
Sir,you nailed it with all knowledge in just 12 min video.....Dhanyawaad
Keep learning
@@AssetYogi Definitely I will👍
Rarely it happens that product gets cheaper on shop than online site......
Sir u missed to mention GST on instalment @18%
Agree
Agree brother plus I GST changes every month
intrest nai lagega if no cost emi ho to...18%gst emi ke intrest pe lagta hai
Isne nahi padhi Economic times ki Article padh lo tumhe padhni hai to
@@virajadhvaryu7213 you are absolutely right...
I brought realme 2 pro on sale 12,990 using no cost emi for 9 months but the price was Same for other payment options so i wonder where is the ghapla.
कोई लफड़ा था क्या बताओ भाई!
*Mujhe real me xt lene hai no cost emi se flipkart se, ye process kaise hota hai, mujhe btaiye.... Kya GST + processing fee hoti hai? Aur isse kahi na kahi paise badh jate hai dene ke? Plz reply krna brdr*
@@navanhans upfront cash me lelo big billion day me
Discount milega axix bank card pe 10%
@@rajkumaryadavraj *ha ha thanks brdr for reply, but now reading it from mi a3* 😅🙏🏻
No cost emi me kya har month ka jo emi hai utna paisa jama rahna chahiye ya pura paisa.. Jo cost hai item ka.... Total??
Helpful video thank you sir
Thanks Amardeep
sir emi pe agar ek mobile flipkart ya Amazon se order kiya..... phone hame pasand nhi aaya ya phone defective likal gaya us case mein ... emi wapas ho jaegi ya kya. kya ho sakta hai please bataiye
Most of products in offline are cheaper than online platform....
I have a experience
Bahut bahut Dhanyawaad bhai
Nice video sir meri EMI ke bare jitne bhi concept the apane sab clear kar diye. Thanku so much.