No Cost EMI को आसान भाषा में समझिये

[@AssetYogi]

Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.

[@islamicfacts8315]

आप के समझाने का तरीका बहुत ही अच्छा हे. चीज़े आसानी से समझ सकते हैं और याद रखना भी आसान हो जाता हे. खुदा आप को खुश रखे आबाद रखे.

[@AssetYogi]

Dhanywaad Junaid :)

[@gaurav20gupta20]

You missed mentioning GST charged by the bank on the interest, that will increase the total amount you actually pay against Product.

[@VableStory]

Right......Gst ka isko pta bhi nhi h....baki chij to sbko pta hai

[@RahulDas-ro6ml]

Its Me The emi paid by you i.e Rs 3667 consists of both principle and interest amount. The bank charges you gst @18% on the interest amount which is included in the emi. The gst amount reduces every month because interest amount is calculated on reducing balance which keeps decreasing every time you make one payment.

[@RahulDas-ro6ml]

Its Me To answer your question, yes you will have to pay a bit more than Rs 3667.

[@amritanand6406]

@Its Me I had purchased a laptop of 33240 and choose to pay by no cost emi. So I had to pay 5540 for 6 months. But when bank sent me the 1st bill off that emi, it was 5540 +67. So basically you have to pay a little bit more than the mentioned amount of emi. Hope I could make you understand what I mean.

[@chemistrydarpan8634]

@@amritanand6406 I have same experience with Hdfc bank during buying a freeze

[@HELPTUBEHindiMe]

Bahut sahi sir. "No cost EMI" is a very good topic that you choose because most of people are confused about it. But apne ise achhe se samjhaya iske liye bahut bahut dhanyavad.,🙏

[@bollywoodstyle1234]

Sir apne bahut ache se samjhaya aise koi nhi samjhata mujhe apki video bahut achi lgi or jaankari bhi thankuu soo much sir🙂

[@AssetYogi]

Thanks for appreciation

[@himanshusaxena8639]

No cost emi actually includes 1. loan int amortization charges 2. gst 18% on loan amortization charges

[@yogawithraman20]

मुकुल जी , आपका समझाने का तरीका बेहतरीन है। Wish you good luck.

[@AssetYogi]

Bahut bahut dhanyawaad apka 😊

[@exploreuniverse2749]

@@AssetYogi saare comment padha karo sirf iss type ka nahi

[@kamleshbera87]

@@exploreuniverse2749 padhte to Sare hai, par reply sirf aise comments ko karte hai 🤣

[@exploreuniverse2749]

@@kamleshbera87 hmmm

[@8desperado]

You missed out on the part of GST applivable on the interest waived by the bank. Though mininscule but worth mentioning in the detail. Great video..!!

[@devsthal6067]

thanku yogi ji...3 videos dekhi back to back...saare doubts clear....or aapko kbhi b kahne ki zrurt nhi h ki...subscribe and like k lie....itna ache se smjhaate and video bnaate ho har koi...khud se kr dega.

[@AssetYogi]

Thanks for appreciation :)

[@akshayrane3008]

You have put really great efforts!! Sabse important baat aapko batana chahiye tha ki EMI = Principal + Interest + 18% GST on Interest. Aapne sirf Principal + Interest ki baat ki. Customer always ends up paying GST extra and that's the loss. Dost kaunsa credit card 36% aur 18% interest charge karta hai aur kab? 36-42% tab charge hota hai jab koi statement billed amount partially ya zero ya minimum due pay karta ho, wo bhi bache amount pe lagta hai aur next bill me add hoke aata hai. Koi rare bank hogi jo 18% rate pe emi banati ho otherwise it is 13-14%. Credit Card is great tool if used correctly. Ispe bhi ek video banaiye, unbiased.

[@ajayghunawat1869]

U r ryt bro that no bank charges 18% Or near to it. In fact sbi charge for 2 yr is 14% interest max. On principal.

[@lakhpatrai4471]

😂😂😂😂

[@inderrsharma7564]

Glad to see that you have acted on my request and made this informative video on no cost emi

[@AssetYogi]

Thanks INDERR

[@arbazraja9410]

Bohot acche se samaj gaye ji 👍

[@AssetYogi]

Dhanyawad 😊

[@yahyakhan-ef3mm]

U dont necessarily get lower price of the same product in the offline maket. Its not true at all. I bought a laptop for Rs.26990 online with no cost EMI whereas in offline market it was for Rs.29000 after all negotiations.

[@rohanchawla32]

This Asset Yogi doesn't even have his own facts straight.

[@shrikishan4177]

Good

[@tikeswarbarik9425]

That's 100 % True...

[@lakeshmandavi2064]

बहुत बहुत धन्यवाद सर् आपके द्वारा हमे नो कॉस्ट EMI का पूरा जनाकारी मिला

[@AssetYogi]

Achcha laga sun ke Lakesh :)

[@masterartstudio4075]

आज पता लगा मुझे , बोहोत सही से बताया आपने सर जयहिंद जय महारा्ट्र

[@AssetYogi]

Dhanyawaad

[@kunalhaldankar6924]

Extremely insightful video , thanks for this sir !!!!!

[@AssetYogi]

Keep learning Kunal :)

[@big-bang-movies]

Very nicely explained. Its really bad the way bank agents get away by hiding facts, sometimes lying to customers while selling their products just for their commissions.

[@AssetYogi]

Keep supporting Ryan :)

[@Meenakshimal2790]

Nicely explained! I've been following all your videos. You are doing a great job Sir.

[@AssetYogi]

Thank you for your kind words and support.

[@RAMDASPEDENTI]

Offline me online se sastha aise kabhi kabar hi dekhne ko milta hai. Offiline me Manufacturer - Wholesaler - Retailer - Consumer Online Manufacturer or Wholesaler is hisab se price thaey hoti hai.

[@furkankhan4548]

Thanks a lot sir apne sari problems ko door kr diya ayese hi vdo bana ke humko information dete jayen..once again thank a lot sir🙏🙏

[@AssetYogi]

Thanks for appreciation 😊

[@stalinnadar4191]

Amazon pe emi options clearly mentioned Kiya...but thanks 😊 for the information

[@bamasutradhar221]

Very well explained, thank you

[@AssetYogi]

You are welcome!

[@SagarSharma9]

Ismein ek baat aur bhi to hai... Main seedha leta to 20,000 ka phone le leta, lekin agar 1600 ya 1800 hi per month dene hain wo bhi bina byaj ke to koi aur badhiya phone le lunga na jo 2500 ya 2800 tak no cost emi par mil rha ho. Kyunki main 2500 ko 20000 se compare karunga aur wo bahot kam lagega. Jabki actually mujhe 30000 ke phone ki na to zarurat thi aur na hi meri pocket allow kar rahi thi.

[@AssetYogi]

Thank you for sharing your thoughts with the community Sagar 😊

[@Vivek-xc8pu]

sir showroom and bank ki income kese hoti he voto pata chal gaya... or rahi GST ki bat to vo me apne aap samaj gaya thank's sir.......

[@rinku5838]

Thnx sir ji Concept or aapke btane ka trika dono hi bohot ache the

[@jeegarpatel2643]

Well explained,only one thing that in most of cases offline costs tends to be more than competitive online cost

[@sambitmallick7597]

Sir wonderful explanation.. Thanks for this useful video..

[@AssetYogi]

Thank you for appreciation Sambit, hope it helps 😊

[@shirish100684]

आप ने दिखाया की 20k का फोन offline store मे 19k मे मिला, जो की गालत assumtion हैं। offline store ऑनलाईन से कम छोडिये, ऑनलाईन की price तक match नाही करते

[@nehadarji431]

Yes bro , you are right

[@huh7739]

bilkul shi kha...

[@praveshfoodvlog]

Nahi app galat Bata raha hain offline sasta mistake hain bus apko 3 -4 shops pe Pata karna hota hain aur bargaining Karni Ani chaiye

[@smmeena2083]

Offline mai sasta milta hai bus apko product ke bare mai pata hona chaiye or market mai ek hi stor nhi hota dusre mai bhi pata Krna chaiye

[@AnveshaDipti]

Sir,you nailed it with all knowledge in just 12 min video.....Dhanyawaad

[@AssetYogi]

Keep learning

[@AnveshaDipti]

@@AssetYogi Definitely I will👍

[@vaibhavshinde3365]

Nice video sir meri EMI ke bare jitne bhi concept the apane sab clear kar diye. Thanku so much.

[@moneyhoney8598]

Mr Yogi... You have a very deep understanding of whatever videos you share! EXCELLENT!! Keep up the good work!

[@AssetYogi]

Thanks Rakesh :)

[@gauru2303]

so good dear...i have become your big fan...keep spreading such education...God Bless You forever...the goodwill u get and the blessings, far overpower the money you make in Ads from KZbin

[@Hammadansari03]

Best explanation,all confusions cleared related EMI..

[@deepmandeep5009]

Kya baat hai sir bahut hi ache treeke se smjaya aapne sir Ek teacher ki trha

[@AssetYogi]

Dhanywaad :)

[@deepmandeep5009]

Welcome g

[@mdshahzadansari4286]

बहुत ही अच्छा समझाए है सर। थैंक्यू

[@AssetYogi]

Hope it's helpful 😊

[@vimalpasad7832]

When we are giving no cost Emi at retail counters There's no gst on emi Everything is included. I am a camera dealer from Maharashtra

[@ranjanchaube5475]

No cost emi pe interest ka upfront discount milta hi hai...iske alawa bank discount bhi milta hai generallt during sales..

[@zacknzila]

one more thing to be added over here is the GST calc.. EMI amount is (Principal +Interest) and bank applies 18 % GST on interest. most of the times retailer or aggregator is not calculating this amount and its loss to consumer in case of EMI

[@arbazsaifi8847]

sir aap jese likh kr samjhate ho shayd apke jesa koi esa chanal nhi jo apke jesa samjhata ho nice sir

[@milindgaikwad1788]

Final destination to solve problems... your videos.... thanks

[@AssetYogi]

Most welcome 😊

[@alokborkar5530]

THANK YOU SO MUCH SIR ❤️ VERY HELPFUL VIDEO EVER ❤️👍😉

[@AssetYogi]

Keep learning Alok :)

[@ayan.debnath]

Sir, your example is awesome. I have personally seen this. My friend bought a mobile phone on EMI and also added extra 32GB memory, extra headphone, screen guard, flip-cover etc.

[@AssetYogi]

Thank you 😊

[@SrAnandRai]

Actually I was looking for demerit of No Cost EMI, which was the motive of thumbnail. But nothing found like that. If you could have just told us about the GST charges on top of EMI then it would have been clear that how they are cheating on the name of No Cost EMI

[@mohdjaffarkhan8524]

Correct. Bank charges GST even on no cost EMI

[@hairstuff371]

Read economic times(ET) article that was better one

[@vaibhavsingh144]

Same here, he is misleading by the thumbnail and title.

[@SomethingElse_x.x]

My thoughts exactly. You still have to pay the taxes on interest even in case of no cost EMI. This should also be taken into consideration while making purchase.

[@VishalSharma-hv6ks]

Correct. Fake video..

[@nishchaytaneja4543]

THANKS FOR THIS INFO ABOUT NO COST EMI

[@sahilrazza9405]

Thank you sir aap ne bahot hi achhe se samjhaya Mai ye hi khoj raha tha

[@zaheerahmed3086]

Thank u sir u shaired very nice information

[@AssetYogi]

Hope it helps :)

[@binu1994]

The biggest point that you have missed is of upfront processing charges + GST (i.e. around 99/199+18% GST) and another important thing is 18% GST on interest. Please give a heed to this.

[@thecybersahil]

do we have to pay this charge every month?

[@binu1994]

GST on interest needs to be paid every month.

[@thecybersahil]

@@binu1994 what about processing fee?

[@binu1994]

one time@@thecybersahil

[@thecybersahil]

@@binu1994 but we will be paying gst every month ?

[@Batman22222]

Another thing which you failed to mention and i want to add: No cost Emi is a good option from consumer perspective but, suppose you have a 6 monthly plan....then for every monthly emi payment GST is charged and that is the extra cost to consumers....but you do get the extra time and that's always a plus point of No cost Emi!👍🏻 But remember, GST will be extra on the no cost Emi sum for every month.... NOTHING IS FREE!

[@torashlodu3924]

Gawar English jagah Hindi m to likh leta kya likha h tujhe b samjh aara hai?

[@kungagyatso9662]

Video mein bahut acchi tarah se explain Kiya hai ❤️

[@AssetYogi]

Thanks Kunga 😊

[@kungagyatso9662]

@@AssetYogi 🙏🙏🙏🤗🤗🤗🤗🤗

[@pareshnmahapatra]

Bhai aapne mere 3600₹ bajaa liye..thanks Ama**n and SB* No cost EMI ke bahane, 14% to 24% extra charge kar rahe hain in 12 months..

[@omparambrahmachakradhar6744]

Which is better, No cost EMI or Bajaj Finserv se direct line lekar saman kharid na? I want to buy a laptop, then Will I go no cost EMI Or Bajaj Finserv se lone lekar laptop kharid karunga? Plz advice.

[@pratiqueshah4241]

On no cost EMI one pays additional GST on the Interest charged by the bank/credit card. Generally all credit cards charge a interest say of 12%p.a. and then reverse the interest but then the GST is not reversed

[@hardeepnarula]

Do they reverse the interest? Because I just purchased a product on NO COST EMI but got an email that the amount of so and so has been converted into 9 EMIs at 14% reducing rate and processing fee. But it was no cost EMI till 9 months. Then why this interest?

[@SharkShank]

Very nice video. Please make video on sbi cards brother.

[@shivkumar-mh5gx]

bahut hi kamaal ki aur useful video hai. thank you sir

[@AssetYogi]

Thank you Shiv

[@shivkumar-mh5gx]

@@AssetYogi kya bajaj card mei annual fee bhi hai?

[@kunalkumar3591]

Bhott acha samjhaya hai sir,thank you

[@AssetYogi]

Keep learning Kunal :)

[@lelounga7932]

I saved 20000/- without purchasing, I have mobile

[@ecofriendly4963]

Perfect

[@dharmendrasoni8933]

Leliyaa Bhai tune to good job

[@ravibharat5220]

Great knowledge

[@AssetYogi]

Thanks Ravi :)

[@abhinithazarika4878]

You video tagline is misleading, you covered everything we knew and not the facts we did not know, example the GST of emi's was not not covered which adds up to the cost.

[@plumetier]

Awesome Sir!!!! 😍😘👌

[@sav4705]

I kno. Sir is awsem!!! 💕

[@anilkinikar]

Video is definitely good and easy to understand by non finance people.👍

[@AssetYogi]

Keep learning Anil :)

[@ankurbilgates1452]

Thanks for your valuable information...

[@AssetYogi]

Hope it helps Ankur 😊

[@tv16902]

Regarding repayment of no cost debit card EMI... Is it auto debit from my account by default or should we contact the bank and give standing instructions for auto debit for repayment of no cost EMI? Thank you

[@markone5531]

Thank You Sir.

[@AssetYogi]

Hope it helps. Khan

[@markone5531]

@@AssetYogi yes sir.. Aapka kaam bahut acha hai. Aapse bahut kuch sikhne ko mil raha hai.

[@atulvivekkispotta1991]

Bahut acha jaankari hai 👍

[@tannukumari3724]

Bahut achha sujhao diye hai sir ji

[@snehijob]

Sir kya EMI se Mobile Buy karne ke liye Bank me Utna pesa hona chaiye ya nahi ???? means, Iff I have only 20,000 Rs in CreditCard then I have to recharge My card upto 37,000 to buy 37,000 Rs mobile ... Then how this is EMI and How this work ............ I Have no money at a time... but I want to buy this,.... I can pay them 37000 in Installment ?????? What is mith and What is Reality ???

[@djdhade]

No, you can not buy. The total cost of the product will be used to block the amount in your credit card but in your case it is insufficient hence you won't be able to make the transaction.

[@snehijob]

@@djdhade can i recharge craditcard then buy??

[@djdhade]

@@snehijob What is the Credit Limit of your Card? 1. If your Card's limit is more than 37k and there is pending due, clear those first so that available balance is more than 37. 2. If credit limit is less than 37k then get this increased by calling bank.

[@junaidshaikh4880]

Hi, Your video is informative but mises the points you had mentioned at the beginning of the video. Please complete the video soon. Thank You.

[@Monghajibhai]

You missed to mention GST on installment....approx 18 %.....how no cost EMI ???

[@amitkumar3238]

You provided us Very useful information Thanks a lot

[@parvez7052]

Thank you sir confusion khtm krne ke liye

[@BRana-rl8hy]

Rarely it happens that product gets cheaper on shop than online site......

[@user14341R]

Me Ek mobile laya.. 14500 ka 17400 ho gya no cost emi.. Bajaj Fiencace

[@abhijithabhi5501]

chootiya kaata

[@vermaved]

Hi Mukul, First of all, You are doing great job. I have seen almost all of your videos. Secondly, you forgot to include 18% GST in NoCost EMI calculation. Though interest is paid by seller but GST on interest has to paid by buyer only.

[@arunagarwal2590]

Yes right Good suggestions Good luck to you God bless you God is great 👍

[@AssetYogi]

Thankyou Arun :)

[@iambatman4real]

Thank you so much sir I was doing a mistake of buying oppo f15 but now I understood buying that phone will be a loss becoz of its processor thnx sir 🙏🙏

[@aadityathukral5165]

Sir, you explained very well in this video. I appreciate your teaching skills sir, and I believe no cost EMI is the best option to buy any product unless or until you control your desires to buy other unnecessary products.

[@__azt]

Hi, I really liked your video. Few take away from your video for me are 1. Check if a new product is going to launch, 2. Check for No Cost EMI terms and conditions. One suggestion for your next video could be - These days companies(like Amazon) are providing No Cost EMI where they will give an initial discount equal to 6 months EMI Interest cost and then you will be charged EMI Interest from your bank. Is there anything we need to be cautious about these kind of schemes?

[@ajinkyadeshmukh5093]

Very useful information

[@AssetYogi]

Thank you Ajinkya 😊

[@musicquilaasmr2430]

Thank you sir.... For this kind of useful knowledge

[@AssetYogi]

Most welcome

[@pyhtonamit]

Thank you sir I understand all terms and conditions Thank u so much

[@AssetYogi]

Glad to hear that 😊

[@aviydv699]

I want to know about future pay ...big bazaar

[@anilkinikar]

Bank is charging GST on the interest part of EMI so it's not No cost EMI (some cost associated)

[@mahifunmumbai4477]

Most of products in offline are cheaper than online platform.... I have a experience

[@nazishf.8471]

Very well explained. I was searching for No cost EMI

[@skrakibulislam1291]

Very nice sir.aap bahut accha samjhata hai

[@AssetYogi]

Dhanywad islam

[@ramansharma8585]

Didn't highlight how the bank's are cheating in the name of no cost emi ??? This is what you started explaining??

[@drpratikgupta1373]

Go for Bajaj Finserv... it's really 0% intrest EMI... I'm using it for past 3 years to buy electronics worth lacs

[@mahendrawahulkar2562]

Aap kaise istemal karte hain Bajaj F App😯

[@soochitdarji8588]

Sahi bat he

[@javedpatel401]

Pratik Gupta File charge hi interest hai

[@sourabhdhimole8685]

Me also

[@motivationkiaag2452]

Bhai aap ka link send krdo

[@gautam2usa]

You missed to mention that the bank charges GST/IGST @ 18% along with some financial charges. I bought something on Amazon using my AMex card on EMI and now I’m paying more than Rs250 extra every month , in addition to the EMI amount. I was expecting something on these charges in your video.

[@dineshmaurya7884]

exactly Gautam, banks hmara bevkoof bnata h ....jo discount hme wo initially deta h wahi amount hmse GST/IGST lga k vasool krleta h .....koi fayda nahi hota No cost EMI pe lene ka

[@kunalmhatre3543]

You are rjght

[@DL5SVLOGS]

Bohot achcchi information hai sir... Aapko saari videos bohot badiya Hoti H.

[@AssetYogi]

Thank you for appreciation. Abbass

[@skbabaskbaba8679]

Thank you so much Samjhane ke liye KZbin mein acche videos dalte Chahiye ya no cost EMI thank you

[@rajkamalchaudhary7180]

Actually there is a 18%GST on interest rate of No cost EMIs 😀 that charages per month on that interest

[@HogaJaroor]

kisi ka munafa ho to kya nuksan....hume consumer, ko to nuksa n nhi ...

[@sushmitsingh1597]

Sir, u must include the GST part on every EMI transactions that bank charges on consumer's which is 18% (axis bank) I follow ur vdos i find it informative and useful.

[@funfriendstatus7954]

Thank you so much 💕😊😊❤️❤️❤️

[@rohitsaini-vlsitech]

Good knowledge, but i didn't find any suspicious thing in NO COST EMI. Its over all business strategy to reach more people and make more profit. Now a days, its more convenient for people to buy things online on EMI rather than go for searching it.

[@accountspushp3460]

Hey, thank you for the video. Only 1 question is there a processing charge for no cost EMI.

[@shaikhzeeshan4606]

No there is no processing charge...

[@akhileshpathak5120]

Sir you r great

[@AssetYogi]

Thanks for appreciating Akhilesh. Keep supporting Asset Yogi.

[@sunny6020]

You used one very important word - Discipline! And that's intangible

[@dineshkumarsahu8861]

Apka har Vedio mujhe bahut pasand ata hai Ap har chij ko bahut achche se samjhate hai thanks

[@chitrashain]

Bahut achha samjhate hain bhaiya.

[@AssetYogi]

Dhanyawad Pankaj :)