क्या No-Cost EMI में सच में नहीं लगता कोई ब्याज, यहां समझिए पूरा खेल

According to a report by TV9 Bharatvarsh, consumers are being advised to exercise caution when opting for 'No-Cost EMI' schemes while purchasing household appliances and electronics. While these offers are marketed as interest-free payment plans, they often mask additional financial obligations that can increase the total cost of ownership for the buyer.

The report highlights that 'No-Cost EMI' is frequently facilitated through interest subvention, where the retailer or manufacturer absorbs the interest cost. However, this is often offset by the removal of discounts that would otherwise be available to customers paying the full amount upfront. Additionally, consumers may be subject to hidden processing fees, documentation charges, or mandatory insurance premiums that are not immediately apparent during the checkout process.

Financial experts cited in the context of such consumer advisories suggest that shoppers should compare the 'No-Cost EMI' price against the cash-discounted price of the item. By calculating the total outflow, including all ancillary fees, buyers can determine the true cost of the credit. This analysis serves as a reminder for consumers to read the fine print of retail financing agreements to avoid unexpected financial burdens.