Last updated: 21 August 2026
Why Day 1
No grace period on cash advances — interest starts the moment you withdraw from an ATM.
Costs
| Charge | Amount |
|---|---|
| Fee | 2.5-3% (min ₹100-300) |
| APR | 28-48% (day 1) |
| GST | 18% on fee |
₹10K advance → 30 din ≈ ₹645 total.
Alternatives
Overdraft, personal loan, emergency fund — sab sasta. Full guide.
Frequently Asked Questions
Q: Cash advance APR?
A: 28-48% p.a., day 1 se.
Q: Free 50 days?
A: Never — it's the most expensive credit.
Convert your statement — free!
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