How to compare an EMI offer
Enter the purchase price, repayment tenure, stated interest rate, processing fee, and any cashback you would actually receive by paying upfront. The estimate includes the GST rate and the amortization assumptions shown in the calculator.
Offers differ. The merchant discount, card eligibility, bank interest schedule, taxes, fees, refund terms, and reward exclusions can change the total. Use the lender’s repayment schedule and the checkout terms for your specific purchase; replace the defaults with those figures.
The result is an estimate for comparing scenarios, not credit or financial advice. It does not include every possible fee, reward condition, or the value of retaining cash over time.