EMI True Cost Revealer
That "0% EMI" Isn't Really 0%
Enter your EMI offer and see the true cost — interest, processing fees, and the real premium you're paying over list price.
₹
₹
Most "0% EMI" offers charge a processing fee upfront (typically 1–3%) plus sometimes a subvention cost hidden in the product price.
2.5%
0%2.5% (common)5%
₹
Optional — used for the affordability check.
Monthly EMI
₹4,167
True Total Cost
₹51,250
+2.5% over list price
Loan Amount
₹50,000
Total Extra Paid
₹1,250
Effective APR
4.8%
Calculation Assumptions
Results can differ across apps when compounding or contribution timing assumptions change.
- EMI is computed with the standard formula P × r × (1+r)^n / ((1+r)^n - 1) on the loan amount after down payment.
- "0% EMI" mode assumes no interest but applies an upfront processing fee on the loan amount, which is amortised into the effective APR via IRR.
- The affordability check compares monthly EMI to your monthly income; it does not account for other existing debts.