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Cash or EMI?

Pay full amount now, or take a loan and invest the principal. See which leaves you with more.

Your Numbers

Principal Amount

The total cost of the purchase — same for both options.

Rate of Interest You Can Earn

Annual return if you invest the principal.

% p.a.

EMI Interest Rate

Loan interest — reducing balance monthly.

% p.a.

Time Period

years

Apply tax on gains

Processing Fee

₹

GST on Processing Fee

Other Charges

₹

Documentation, insurance, or other lender charges.

Results

Pay Cash

You Pay

₹5,00,000

One-time payment. Nothing else to worry about.

EMI & InvestBest Choice

What You Pay

Monthly EMI

₹16,607

Total EMI Paid

₹5,97,858

What You Earn

Gross Maturity

₹6,65,500

Net Position

+₹67,642

Take EMI & Invest is better by ₹67,642

Investing beats the EMI cost.

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