0% EMI – Is It Free?

What It Means

Bina interest installments — par processing fee (₹99-₹999) + GST. "0% interest", not "0 cost".

The Math

₹60,000 phone, 6 mo 0% EMI: ₹10,000/mo + ₹499 fee + ₹90 GST = ₹60,589 total.

When to Use

• Emergency badi purchase
• Cash-flow smooth
• Sale par EMI + discount

Track

EMI tracker — principal vs interest.

Frequently Asked Questions