Uncover hidden interest, GST, and processing fees buried inside every eCommerce No-Cost EMI offer. Know the real price before you buy.
Product & Price Details
Quick bank presets
Original MRP (cash price)
₹
Discount shown by platform
₹
EMI Price (MRP − Discount) AUTO
₹
How is the interest structured?
EMI & Charges
EMI Tenure
Annual Interest Rate (blank = auto-estimate)
%
🔍 Estimated rate: --% p.a.
Reverse-calculated from your discount and tenure.
Processing Fee (one-time)
₹
GST Rate on Interest & Fees
🔒
Enter product price and EMI details above to reveal hidden charges.
--
True No-Cost EMI Score™
Lower = worse deal for you
--
Actual Final Cost
--
total you pay
Real Monthly Cost
--
per month
Extra Over EMI Price
--
hidden charges total
Effective Annual Rate
--
all-in annualised cost
Component
Amount
⚠ Indian Banking Disclaimer
Educational tool only. Results use flat-rate interest approximations and may differ from actual bank amortisation schedules.
GST on financial services is governed by IGST Act 2017. Rates and fees vary by bank, card, and offer.
Always verify with your bank. No data is stored — all calculations run locally in your browser.