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Festive Shopping: What You Should Know Before Choosing A No-Cost EMI
NDTV Profit 2 hrs ago·13 Oct 2026, 1:28 pm
Retailers are rolling out no‑cost EMI schemes to lure shoppers during the festive period, allowing customers to spread payments over several months without an explicit interest charge. The offers are marketed as a way to make big-ticket items more affordable, but the cost is often embedded in higher product prices or processing fees that appear later.
For investors, the surge in such financing can lift sales volumes for consumer durables and e‑commerce platforms, while also boosting the loan books of banks and non‑bank lenders that underwrite the instalments. However, if hidden charges erode consumer confidence, repeat purchases may stall, affecting revenue growth for both merchants and financiers.
Going forward, keep an eye on how clearly the terms are disclosed, any regulatory scrutiny of EMI practices, and consumer sentiment around price transparency. Shifts in these areas could influence quarterly results for companies tied to festive retail spending.
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