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Know your monthly instalment before you sign

Adjust the loan amount, interest rate, and tenure to see your EMI, total interest, and how much of every payment goes to principal versus interest.

Loan Amount

₹

Interest Rate

% p.a.

Loan Tenure

years

Monthly EMI

₹0

per month

Principal 50%

Interest 50%

Principal amount₹0

Total interest payable₹0

Total amount payable₹0

Figures are indicative and use standard reducing-balance EMI calculation. Actual EMI may vary by lender based on processing fees, exact rate slabs, and disbursal terms — check with your bank before committing.

EMI = [P × R × (1+R)^N] / [(1+R)^N − 1], where P = principal, R = monthly interest rate, N = tenure in months.

Credit Card EMI Calculator with GST — India

Credit Card EMI Calculator · India

What that "no-cost EMI" actually costs

Convert a credit card purchase into EMIs and see the real payout — interest, processing fee, and the 18% GST that banks charge on top of both.

Purchase Amount

₹

₹1,000₹5,00,000

Interest RateMonthly reducing-balance rate

% / mo

0% (no-cost)3.5%

Tenure

months

3 mo24 mo

Processing Fee

Fee Amount

₹

₹0₹999

Monthly EMI

₹0

per month, for the chosen tenure

Cost Breakdown

Purchase amount₹0

Total interest₹0

Processing fee₹0

GST (18% on interest + fee)₹0

Total payable₹0

Per Indian tax rules, 18% GST applies to the interest and processing fee charged on credit card EMIs — not to the principal purchase amount itself. "No-cost EMI" offers waive the interest but GST may still apply on the processing fee.

Figures are indicative and use standard reducing-balance EMI calculation. Actual rates, fees, and GST treatment vary by card issuer — check your bank's EMI terms before converting a purchase.

EMI = [P × R × (1+R)^N] / [(1+R)^N − 1], where P = purchase amount, R = monthly interest rate, N = tenure in months. GST is calculated at 18% on (total interest + processing fee).

Credit Card EMI Calculator with GST — India

Credit Card EMI Calculator · India

What that "no-cost EMI" actually costs

Convert a credit card purchase into EMIs and see the real payout — interest, processing fee, and the 18% GST that banks charge on top of both.

Purchase Amount

₹

₹1,000₹5,00,000

Interest RateMonthly reducing-balance rate

% / mo

0% (no-cost)3.5%

Tenure

months

3 mo24 mo

Processing Fee

Fee Amount

₹

₹0₹999

Monthly EMI

₹0

per month, for the chosen tenure

Cost Breakdown

Purchase amount₹0

Total interest₹0

Processing fee₹0

GST (18% on interest + fee)₹0

Total payable₹0

Per Indian tax rules, 18% GST applies to the interest and processing fee charged on credit card EMIs — not to the principal purchase amount itself. "No-cost EMI" offers waive the interest but GST may still apply on the processing fee.

Figures are indicative and use standard reducing-balance EMI calculation. Actual rates, fees, and GST treatment vary by card issuer — check your bank's EMI terms before converting a purchase.

EMI = [P × R × (1+R)^N] / [(1+R)^N − 1], where P = purchase amount, R = monthly interest rate, N = tenure in months. GST is calculated at 18% on (total interest + processing fee).

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