I just tried it with Citibank, I had bought a Health Insurance through Policy Bazaar for 2 years and opted for 18 months No Cost EMI. As I watched the video today, so already I had paid 4 months of EMIs. But I asked the bank today and they were ready to pre close the loan with the outstanding principal and I saved on the interest for rest of the 14 months. So thank you very much for this video.
I'm also using this trick. But kuch important points dhyan ralhne ki zaroorat hai isme. Har bank ka system and term and conditions alag alag hota hai. Kuch jyadater bank aise transaction me pre closer charge lete hai to jo 3-4 % ka hota hai, for example icici bank. So net profit jyada nahi hota hai most cases me. Ha ager 18-24 months ka no cost emi mil raha hai to waha zarur fayda hai. Ek aur important bat, most of cases me emi ke liye wahi banda jyada hai to ek bar me full amount pay nahi ker sakta hai. Aur iss case me next month hi apka bill banega so iss trick ko use kerne se pahle zara soch le ache se, kahi fayde ke chakker me nukshan na ho jay. And last some time apka credit card ban bhi ho sakta hai permanently. Thank for reading.
Bhai close kb krna h...maine icici credit card se no cost emi pr product purchase kiya h flipkart se aur abhi unbilled transaction me full amount show kr rha h..emi me convert nahi hua h abhi...to wait krna h kya emi create hone ka ya abhi call krke bol dena h ki iski emi nahi bnwani onetime payment krke settle krna h??? Please reply jrur krna
@@himanshuagarwal27Bro, emi banne do pahle, wait for some days. Tabhi fayda hai iss trick ka. Emi banne ke 15 din ander ander ager aap emi ko pre close kerwate ho to icici bank koi charge bhi nahi leta hai. So apka double fayda ho jayega. Dhyan rahe iss trick se sirf unhi ko fayda hoga jinhone no cost emi ka option choose kiya hai kam se kam 6 months ya usse jyada tender ke liye.
I have gone through almost all the comments. Gist below: 1. Some saying preclosure charges are there and some saying it is not there. May be depending upon the bank and other conditions which are unknown. 2. Whether CIBIL SCORE will get affected? Some saying yes and some saying no. I personally feel paying loan upfront as per banks terms and condition, leading to CIBIL score reduction, in case really happening, is non-sense. 3. Some saying credit card will get blocked if you do couple of times and some saying they are doing this since 2-3 years. But no one said that his card got blocked. 4. Also, I don't have trust on these bank customer care guys. They may say no charges because they might not be aware and later system may apply some charges. Finally, even after watching video twice and gone through all the comments, I am not clear whether to do this or not.
Update: I discussed with axis customer care. He told initial processing charge will not be reversed but there is no penalty on cancellation. I got the EMI cancelled. Surprisingly even the initial processing charge has also been reversed. Overall it turned out to be beneficial as of now. Hope they don't levy any charge in the future.
@@ShivamonfinanceYou will receive some communication from bank with in 2-3 days ...Then you can cancel. But speak to customer care regarding charges before cancelling.
One important point to note is that banks don't prefer this type of transactions and hence some banks will ban your credit card permanently, verified for ICICI Bank, not sure how other banks will treat this but ICICI will ban the credit card itself
@@rahuldasila2230 no bank will hopefully ban the card if done once in a year may be but many people will misuse and use this trick very frequently that will lead to ban
@@rahuldasila2230yes am doing this trick since 2-3 years with hdfc credit card. Purchased more than 10lakhs rupess product using this trick. Still it is working
True mine is amazon ICICI credit card for lifetime without any charges and they even gave me 600rs of credit on the card. 😂 With this kind of early loan closure on emi... I don't won't to risk my only credit card 😂
I was so confused how nobody else had seemed to realise this! I saved like 6k extra, on top of a 9k instant discount, on my new laptop. Sometimes reading all the terms and conditions is really worth it.
2020 se karke araha hu... Approx 5% milta hai. Q ki maximum cheez 6months ka hi NCEMI deta hai. Aur kuch banks like SBI merchant EMI pe foreclosure charge lagate hai 3%. Also no reward points or cashback... Thum rule: If your bank doesn't charge foreclosure fee then Go for 6months+ EMI option.
Bhai close kb krna h...maine icici credit card se no cost emi pr product purchase kiya h flipkart se aur abhi unbilled transaction me full amount show kr rha h..emi me convert nahi hua h abhi...to wait krna h kya emi create hone ka ya abhi call krke bol dena h ki iski emi nahi bnwani onetime payment krke settle krna h??? Please reply jrur krna
One important thing is CIBIL. People in the early stage of life ignore cibil score. Generally for first time borrowers, if they continue paying EMI and not preclosing loan shows that you are a trustworthy person and your cibil score will be high. Again if your credit card got banned, it highly impacts the cibil score resulting in your lesser chance of borrowing a loan in future(Which you will need for a house, children education & so on).
Agree. Mera 892 ka score ho gya h emi pay krte krte. Aur waise bhi... 1 baar me paise kyun dene! 10% ka lalach le dubega. Aram se dete rho paise. Kya problem h. Trust is more important.
kuch bhi faaltu , wo emi mai convert hoke cibil ke paas 14 days ke baad report jaata hai , emi krke 2-3 din mai cancel kr sakte hai ….. wo normal transition hota hai naa ki koi loan
I asked my Axis Bank representative about this, they told me this is a kind of loan foreclosure, and there will be certain charges on it, depending on the amount. And also repeatative such kind of transactions may suspend my credit card. He also told me, this will affect my CIBIL too... can you give some info about this?
I contacted ICICI Bank to verify some information, and the customer service representative informed me that if we settle the no-cost EMI loan within 15 days of the transaction, there will not be any additional charges. However, if we prepay after 15 days, we will incur an extra 3% fee plus GST, resulting in a loss for us.
Wish I knew about this trick before.... I got badly scammed by Amazon NO cost EMI.... Amazon showed phone price 34k but when the Amazon-ICICI credit card EMI started I will end up paying 37k in 6 months 😭😢
Now its not working, now banks calling it as merchant emi. If we want to cancel this, then need to pay the whole amount which was there without emi option.
Bro aapne GST return kaise claim kiya tha for ps5 can u plz explain the procedure… i am a you-tuber too hence i want to purchase the ps5 too for my channel
Bhai thoda explain kar sakta hai?? kitne month ki emi kari thi aur cooling period nhi hota kya pre closure krane ka 1-2 din..3% kis hisaab se laga thoda explain karna
Hdfc Pre-closure Charges - Pre-closure of the loan will currently attract a charge of 3% of the balance principal outstanding + GST @ 18% (subject to change as per Govt. instruction) GST is not applicable on interest levied but will be applicable on charges/fees. GST Tax and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges Processing Fees up to 749 + GST
chandan vai thanks for the lovely content. i have a different question. upne airtel ka nokia wala router k sath hdd connect karke rakkha hai “ airtag vs jio tag “ wale video main dekha. mere pas v airtel ka same router laga hua hai lekin usb configure nehi kar pa raha hun.. please make a detailed video on that with file transfer speed test. it would be a great help for us. thank you so much.
If i order something let's say a phone and there it mentions a instant discount of 8k on credit card offers; so my question is can i avail the instant discount offer accompanied with no cost EMI as i am using a credit card for the purchase. So are both the scenarios applicable at the same time or they are two different things?
Simple if the Instant Discount is for EMI transactions then you can have both benefits. On the other hand, if instant discount is on full payment, then you won't get the instant discount benefit on EMI.
Hey everyone! At Nilam Direct Services Ltd, we believe in transparency and want to shed some light on "No Cost EMI" offers. While they may seem tempting, it's essential to understand the reality behind them. No Cost EMIs are not entirely free; the cost is often absorbed into the product's price. So, before opting for such offers, make sure to compare the actual price with other options. Your informed choices matter to us! 🕵️♂️💡
I've just tried it in SBI. They took 3% + GST on the principal amount as foreclosure charges. Yet too see if ₹199 processing fee + GST will be returned or not.
Iphone 16 pro lena h 160000 wala hdfc and icici 24 month ncemi pr le skta hu but i have gst number too.. can I cancel and get gst+intrest …. If yes which bank is better icici or hdfc??
@@SarcasticSindhi thnx for your reply. It was my bad i didnt saw the full video till the end before i typed the comment. At the end you have cleared the doubt about foreclosure also.
Kasam se bata raha hoon @sarcasticSindhi bhai, mujhe ek hafte mai ek gaming laptop lena hai aur maine wo "no cost EMI" ka option dekha to mai ye soch raha tha ki ismai paise bachenge kaise, lekin aapki ye video mere liye life saver ka kaam kar gayi, Thanks a lot bhai😉😉
I have Tried for 6 months EMI around one and half year back to purchase Samsung M325g, i have Axis card .... They Didn't charge me any extra Interest charges. I fully paid in due date. Tried the same thing again in HDFC but as the Bill Was Generated or About to Generate (around 1 year back think, so i can't remember properly) they denied (or something like that) to change.
Bhai.. Flipkart Pe ps5 54990 ka hai but no cost emi me 6000 already off hai to price 48990 hota hai 12 month no cost emi select Karu to and upfront discount 3995 so in discription column block amount is 44995 so do I get this in 44995 ?? As per this trick please reply
Hey Bro isse accha aap statement generate hone se 1 day phle order kro isse fayda ye hota ki Statement me Emi nii generate hota h aur full payment ka aata h jisse hm bina kch kiy easily paisa bacha skte h Actually ye hi same chiz hota h but hme na hi customer care ko call krna hota h naa hi preclouse krna hota h
Bhai txn 1 din pehle krne se us cycle m to emi generate nhi hogi aur bill full payment ka aayega. But next cycle m (1-2 din baad) full payment ka refund aata hoga aur emi generate ho jati hogi. Ya phir Kya Next cycle m bhi emi generate nhi hoti? Matlab, kya full txn ka bill generate hone ke baad emi nhi banti?
**Statutory Warning** He will make your credit card Block permanently.....Many users card getting blocked by doing this trick multiple times...Dont Give Incomplete information...it is more Dangerous...
Bhai maine SBI se LED purchase ki around 31k and jab foreclosure krwayea toh customer care walo ne 800 900 rs upr charge kiye effectively i save only 500 rs from this scheme
par agar amazon se product sahi naheen nikla aur we chose to return, amazon refund paisa original payment method ko send karega na.. then not sure what happens to the loan if we already paid on the 2nd day ( even if we did not pay back not sure what happens in refund case )
Aise case me jitna apko discount mila hai wo minus ho jata hai total amount me se, aur ye trick use kerne ke bad me apko nikshan hi hoga. So make sure ager aap ye trick use ker rahe ho to return na karwao apne product ko.
But isn't that discount on the interest of EMI soh it shows the same amount of the product just minus the interest you would have given on the interest payable emi?
I've been doing this for 2 years now 😂 I guess i should have made a video about it already. Ps: Doing it with ICICI credit card and no issues as of now. So go ahead.
Bhai close kb krna h...maine icici credit card se no cost emi pr product purchase kiya h flipkart se aur abhi unbilled transaction me full amount show kr rha h..emi me convert nahi hua h abhi...to wait krna h kya emi create hone ka ya abhi call krke bol dena h ki iski emi nahi bnwani onetime payment krke settle krna h??? Please reply jrur krna
bhaiya koi accha sa pendrive bataye 64gb ka maine sandisk ka liya hai 3.0 metal body hai but bahut hi jada heat karta hai itna ki mujhe return karna pada hai
I did 5 months before in kotak card cc. That was no cost emi , time period 6 months. I called cc & cancel EMI. That was my first EMI trasaction. I researched and read all t&CS of emi. After that Paid full bill after 1 week... They only charged me 97rs additional....
Bhai, meine iphone 15 pre-order kiya ye on amazon and have chosen 6months no cost emi option, But trxn is not showing in an unbilled statement even after 1 day. Pls help on this???
That's true BOB card did that. They dragged my cancel request to my post bill generate date, and guess what after bill generate only PRECLOSERE option. which is costly
There is 2 types of EMI in HDFC 1. Offus 2. Merchant You can only cancel Offus EMI. and Merchant EMI can cancelled only when merchant cancel the transaction then HDFC can cancel the EMI. In your video there is Offus transaction. Flipkart do these in Merchant EMI so if you cancel then you have to pay preclosure charges and interest both. We are fix this soon. I am from HDFC I know this from 2 years
Isse acha i buy it on pre-paid payment na? Either way katna to hai hi mrp price ya order price.. I mean agar koi banda instant pay kr pa raha hai to emi kyu hi choose krega ( i know few mindset as you said in video ).
Bhai,Emi pe aur ek problem bhi hai... humare yaha pe product wrong delivery hoke product return hua tha then firse same broken product delivery hua tha....then order cancel hogaya.....To 2 month ka emi kha liya tha bank se....Then refund lene ke liye bahut mehnat karna pda......Sir emi pe discount and free pe loan milta hai but........isi Modi ka Aache Bharat ke liye COD sabse best hai......
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
I just tried it with Citibank, I had bought a Health Insurance through Policy Bazaar for 2 years and opted for 18 months No Cost EMI. As I watched the video today, so already I had paid 4 months of EMIs. But I asked the bank today and they were ready to pre close the loan with the outstanding principal and I saved on the interest for rest of the 14 months. So thank you very much for this video.
whoa! congo!
I'm also using this trick. But kuch important points dhyan ralhne ki zaroorat hai isme. Har bank ka system and term and conditions alag alag hota hai. Kuch jyadater bank aise transaction me pre closer charge lete hai to jo 3-4 % ka hota hai, for example icici bank. So net profit jyada nahi hota hai most cases me. Ha ager 18-24 months ka no cost emi mil raha hai to waha zarur fayda hai. Ek aur important bat, most of cases me emi ke liye wahi banda jyada hai to ek bar me full amount pay nahi ker sakta hai. Aur iss case me next month hi apka bill banega so iss trick ko use kerne se pahle zara soch le ache se, kahi fayde ke chakker me nukshan na ho jay. And last some time apka credit card ban bhi ho sakta hai permanently. Thank for reading.
Debit card pr bhi loan preclose m same procedure se ho jata hai kya bhai
@@DIVAKAR__BHARDWAJ Yes
@@dr.anand456 only on hdfc we got discount or we get discount in ICICI also
Bhai close kb krna h...maine icici credit card se no cost emi pr product purchase kiya h flipkart se aur abhi unbilled transaction me full amount show kr rha h..emi me convert nahi hua h abhi...to wait krna h kya emi create hone ka ya abhi call krke bol dena h ki iski emi nahi bnwani onetime payment krke settle krna h??? Please reply jrur krna
@@himanshuagarwal27Bro, emi banne do pahle, wait for some days. Tabhi fayda hai iss trick ka. Emi banne ke 15 din ander ander ager aap emi ko pre close kerwate ho to icici bank koi charge bhi nahi leta hai. So apka double fayda ho jayega. Dhyan rahe iss trick se sirf unhi ko fayda hoga jinhone no cost emi ka option choose kiya hai kam se kam 6 months ya usse jyada tender ke liye.
Bhai, delete this video before bank changes its policy 😂
Bhai ne aisa ek Airtel broadband ka btaya tha fir delete bhi kr diye..... Turant 1 2 din me 😂😅
@@onlinestore8551kya tha bhai?
yes mujhe pahle se pata tha thanks baate ke liye ab dilite kar do😂😂😂😅😅
😂
Seriously bro, delete it ASAP
I have gone through almost all the comments. Gist below:
1. Some saying preclosure charges are there and some saying it is not there. May be depending upon the bank and other conditions which are unknown.
2. Whether CIBIL SCORE will get affected? Some saying yes and some saying no. I personally feel paying loan upfront as per banks terms and condition, leading to CIBIL score reduction, in case really happening, is non-sense.
3. Some saying credit card will get blocked if you do couple of times and some saying they are doing this since 2-3 years. But no one said that his card got blocked.
4. Also, I don't have trust on these bank customer care guys. They may say no charges because they might not be aware and later system may apply some charges.
Finally, even after watching video twice and gone through all the comments, I am not clear whether to do this or not.
Update: I discussed with axis customer care. He told initial processing charge will not be reversed but there is no penalty on cancellation. I got the EMI cancelled. Surprisingly even the initial processing charge has also been reversed. Overall it turned out to be beneficial as of now. Hope they don't levy any charge in the future.
After how much time of transaction can we cancel this emi?
Thanks a lot bro, you really condensed all the comments.
@@sgupta12oc did it reduce your cibil score?
@@ShivamonfinanceYou will receive some communication from bank with in 2-3 days ...Then you can cancel. But speak to customer care regarding charges before cancelling.
One important point to note is that banks don't prefer this type of transactions and hence some banks will ban your credit card permanently, verified for ICICI Bank, not sure how other banks will treat this but ICICI will ban the credit card itself
will work with hdfc ? since he has tried it!?
@@rahuldasila2230 no bank will hopefully ban the card if done once in a year may be but many people will misuse and use this trick very frequently that will lead to ban
@@rahuldasila2230yes am doing this trick since 2-3 years with hdfc credit card. Purchased more than 10lakhs rupess product using this trick. Still it is working
Depends on your luck 😉
True mine is amazon ICICI credit card for lifetime without any charges and they even gave me 600rs of credit on the card. 😂
With this kind of early loan closure on emi...
I don't won't to risk my only credit card 😂
I was so confused how nobody else had seemed to realise this! I saved like 6k extra, on top of a 9k instant discount, on my new laptop. Sometimes reading all the terms and conditions is really worth it.
which card
2020 se karke araha hu... Approx 5% milta hai. Q ki maximum cheez 6months ka hi NCEMI deta hai. Aur kuch banks like SBI merchant EMI pe foreclosure charge lagate hai 3%. Also no reward points or cashback... Thum rule: If your bank doesn't charge foreclosure fee then Go for 6months+ EMI option.
Bhai close kb krna h...maine icici credit card se no cost emi pr product purchase kiya h flipkart se aur abhi unbilled transaction me full amount show kr rha h..emi me convert nahi hua h abhi...to wait krna h kya emi create hone ka ya abhi call krke bol dena h ki iski emi nahi bnwani onetime payment krke settle krna h??? Please reply jrur krna
One important thing is CIBIL. People in the early stage of life ignore cibil score. Generally for first time borrowers, if they continue paying EMI and not preclosing loan shows that you are a trustworthy person and your cibil score will be high.
Again if your credit card got banned, it highly impacts the cibil score resulting in your lesser chance of borrowing a loan in future(Which you will need for a house, children education & so on).
Agree. Mera 892 ka score ho gya h emi pay krte krte. Aur waise bhi... 1 baar me paise kyun dene! 10% ka lalach le dubega. Aram se dete rho paise. Kya problem h. Trust is more important.
kuch bhi faaltu , wo emi mai convert hoke cibil ke paas 14 days ke baad report jaata hai , emi krke 2-3 din mai cancel kr sakte hai ….. wo normal transition hota hai naa ki koi loan
Iss video mai aapne jo tarikka bataya hai Flipkart Mai Aisa karskte hai kya?
Bro mene suna yeh method band hogya ?? Ya firr chalu hai @@irchoudhary
yes bro it also applicable for 3 month no cost emi.
This trick is working now??
I've recently bought realme 11 pro from flipkart and used this method 7 days ago. Now I'm watching this video.
Kuch din baad CIBIL score check kar lena.. 😂
@@RahulBasu009how much point do they deduct frm cibil score for this kind of scenario?
Bro when you have cancelled the emi after activation or after the order delivery?
I asked my Axis Bank representative about this, they told me this is a kind of loan foreclosure, and there will be certain charges on it, depending on the amount. And also repeatative such kind of transactions may suspend my credit card. He also told me, this will affect my CIBIL too... can you give some info about this?
bhai saal mai 1-2 bar karoge to itna farak nhi padega
Hr mahine 2 krta hu 2 saal se
I contacted ICICI Bank to verify some information, and the customer service representative informed me that if we settle the no-cost EMI loan within 15 days of the transaction, there will not be any additional charges. However, if we prepay after 15 days, we will incur an extra 3% fee plus GST, resulting in a loss for us.
Debit card pr bhi loan preclose m same procedure se ho jata hai kya bhai
@@DIVAKAR__BHARDWAJ please connect with your bank for more details.
@@DIVAKAR__BHARDWAJyes
Samajh toh nahi aaya lekin sunkar accha laga....😆😆😆
Bhai 3% fourclouser charges lagte hai but maybe due to some glitch it would be reflecting.
Which bank ?
@@omanshagarwal icici and HDFC both have charges.
Only sbi 3% leta h baaki hdfc, icici, axis, kotak ka normal charge h 50rs approx
Abb yahi karunga iPhone lete waqt ...😂
Wish I knew about this trick before.... I got badly scammed by Amazon NO cost EMI.... Amazon showed phone price 34k but when the Amazon-ICICI credit card EMI started I will end up paying 37k in 6 months 😭😢
how did they happen? what extra charges did you pay?
I know this already.. on pine labs payment page of apple authorised reseller, people saved upto 35000 on mac pro with this trick
ye samjhao bhai.. konse reseller se? konse bank ka?
Bro give more details
OMG ❤
Bro bta de😂😂😂
Now its not working, now banks calling it as merchant emi. If we want to cancel this, then need to pay the whole amount which was there without emi option.
What is your bank name
Iss video mai aapne jo tarikka bataya hai Flipkart Mai Aisa karskte hai kya?
Modern jamane ka sindhi hain apna bhau 😅
Bro aapne GST return kaise claim kiya tha for ps5 can u plz explain the procedure… i am a you-tuber too hence i want to purchase the ps5 too for my channel
Sbi ne 3% charge liya pre payment ka😢
Still 56500 ki bajaye 53800₹ main kaam hua mera toh paisa toh bacha hai
Bhai thoda explain kar sakta hai?? kitne month ki emi kari thi aur cooling period nhi hota kya pre closure krane ka 1-2 din..3% kis hisaab se laga thoda explain karna
Ye trick Flipkart k Axix bank credit card mein v kiya ja sakta hai kya ?
SBI card says 3% foreclosure charges will be levied even if its within 5 days
Can we do same for Amazon pay ICICI credit card.
If you do the no cost EMI then you won't get 5% cashback for that transaction
@@AniruddhD thanks for reply.
Hdfc
Pre-closure Charges - Pre-closure of the loan will currently attract a charge of 3% of the balance principal outstanding + GST @ 18% (subject to change as per Govt. instruction)
GST is not applicable on interest levied but will be applicable on charges/fees.
GST Tax and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges
Processing Fees up to 749 + GST
Same for SBI card, 3% on principal amount + GST
chandan vai thanks for the lovely content. i have a different question. upne airtel ka nokia wala router k sath hdd connect karke rakkha hai “ airtag vs jio tag “ wale video main dekha. mere pas v airtel ka same router laga hua hai lekin usb configure nehi kar pa raha hun.. please make a detailed video on that with file transfer speed test. it would be a great help for us. thank you so much.
Kyu dali bhai video bnd krdia bank walo ne ye ab
If i order something let's say a phone and there it mentions a instant discount of 8k on credit card offers; so my question is can i avail the instant discount offer accompanied with no cost EMI as i am using a credit card for the purchase.
So are both the scenarios applicable at the same time or they are two different things?
Simple if the Instant Discount is for EMI transactions then you can have both benefits. On the other hand, if instant discount is on full payment, then you won't get the instant discount benefit on EMI.
Mostly they gave discounts on full paymants
Not for no cost emi's
Hey everyone! At Nilam Direct Services Ltd, we believe in transparency and want to shed some light on "No Cost EMI" offers. While they may seem tempting, it's essential to understand the reality behind them. No Cost EMIs are not entirely free; the cost is often absorbed into the product's price. So, before opting for such offers, make sure to compare the actual price with other options. Your informed choices matter to us! 🕵️♂️💡
Can we use an HDFC debit card for this transaction?
I've just tried it in SBI. They took 3% + GST on the principal amount as foreclosure charges. Yet too see if ₹199 processing fee + GST will be returned or not.
Same happened with me 😔
@@sudhanshjawale8984 Have you got the processing fees? I haven't received any refund for the same
Can you elaborate it more? what product did you purchase what charges customer care talked about?
Jor jor se bolker sabko ye policy bata de🤣🤣
Iphone 16 pro lena h 160000 wala hdfc and icici 24 month ncemi pr le skta hu but i have gst number too.. can I cancel and get gst+intrest …. If yes which bank is better icici or hdfc??
They also charge a foreclosur amount that you didn't mention in the video, but even after that savings are huge
hdfc doesnt charge a forclosure if closed within 4-5 days
@@SarcasticSindhi thnx for your reply. It was my bad i didnt saw the full video till the end before i typed the comment. At the end you have cleared the doubt about foreclosure also.
@Sarcastic Sindhi and other people
Is this still working in HDFC BANK?
Bro have u done through HDFC?
Will it work with HDFC Debit Card emi option?
Bhai mene apne bank me baat kra HDFC bank h mera to wo bol rhe hai ki minimum 3 months ka apko pay krna padega uske baad full settlement kara skte
Bank wale idhr udhr ki baat krte h bhai, maine bhi baat kiya tha to vo bol rhe kuch bhi charge lgane lg rhe the
Prabhu kaha the itne din aap 😂🙇🏻♂️
In sbi it take 2% foreclosoer charge of total amount
I paid 3% in SBI just today
@@AniruddhD ab or badha diya hoga
Yeh sab out of box ideas Paisa bachena ka sarcastic Sindhi ka demag sei ata hai😊. Hope no bank officials are watching this.
Sir, EMI pre closure charges bhi to lagte hai jo 1% se 2% + GST on principle hota hai.
which bank
Kasam se bata raha hoon @sarcasticSindhi bhai, mujhe ek hafte mai ek gaming laptop lena hai aur maine wo "no cost EMI" ka option dekha to mai ye soch raha tha ki ismai paise bachenge kaise, lekin aapki ye video mere liye life saver ka kaam kar gayi, Thanks a lot bhai😉😉
channel link se lelena agar amazon se lo to 👍🏻🔥
Oo bhai kya solid tarika btaya h bhai pehle pta hota to laptop me ye use kr leta..
sindhi dimaag ka advantage video ...............
One question I am getting a discount of 1760 on a product of 7999. But the issue is they are leving 299 as processing fee+3 months of interest
no cost emi ke liye best Bank and Credit card Please Suggestion kon sa le
It will applicable on offline purchase also ?
Yes
Pre closure konsi konsi bank mei hai aur charge kitni hai..wo bhi likh do .
axis and IDFC First charges 1% + GST as processing charges, and 3% + GST as preclosure charges
SBI too.
Which one is better - H series processor vs g7 processor in laptops ?
H series
@@vSeditZ h for performance and g for batterylife
I can feel the Scam 1992 music in the background🙂
hin khe chaybho ah Sindhi demaag 😂😂👍
I have Tried for 6 months EMI around one and half year back to purchase Samsung M325g, i have Axis card
.... They Didn't charge me any extra Interest charges. I fully paid in due date.
Tried the same thing again in HDFC but as the Bill Was Generated or About to Generate (around 1 year back think, so i can't remember properly) they denied (or something like that) to change.
Bhai.. Flipkart Pe ps5 54990 ka hai but no cost emi me 6000 already off hai to price 48990 hota hai 12 month no cost emi select Karu to and upfront discount 3995 so in discription column block amount is 44995 so do I get this in 44995 ?? As per this trick please reply
approximately , yes
Hey Bro isse accha aap statement generate hone se 1 day phle order kro isse fayda ye hota ki Statement me Emi nii generate hota h aur full payment ka aata h jisse hm bina kch kiy easily paisa bacha skte h Actually ye hi same chiz hota h but hme na hi customer care ko call krna hota h naa hi preclouse krna hota h
Right bro.
Bhai txn 1 din pehle krne se us cycle m to emi generate nhi hogi aur bill full payment ka aayega.
But next cycle m (1-2 din baad) full payment ka refund aata hoga aur emi generate ho jati hogi.
Ya phir
Kya Next cycle m bhi emi generate nhi hoti? Matlab, kya full txn ka bill generate hone ke baad emi nhi banti?
@@asadkhanask differ from banks to banks Sbi me emi nii bnegi baaki sbhi bank m bnn jaati h bill generate hone ke baad especially ICICI And Indusind
@@satyamraazmaurya SBI k alawa koi aur bank ka pta h aapko?
@@satyamraazmaurya is it true? You did that?
aapne ye jo poora amount pay kara 1 time against the loan amount, ye billing k baad tha ya pehle?
pehle
@@SarcasticSindhi thank you
**Statutory Warning** He will make your credit card Block permanently.....Many users card getting blocked by doing this trick multiple times...Dont Give Incomplete information...it is more Dangerous...
Can we do this trick with onecard credit card?
Bhai maine SBI se LED purchase ki around 31k and jab foreclosure krwayea toh customer care walo ne 800 900 rs upr charge kiye effectively i save only 500 rs from this scheme
Chilla chilla ke scheme bata do sabko😂😂😂
Bhai SBI pe try kiya tha....woh bole ki aap kou preclosure charge+GST dena padega
par agar amazon se product sahi naheen nikla aur we chose to return, amazon refund paisa original payment method ko send karega na.. then not sure what happens to the loan if we already paid on the 2nd day ( even if we did not pay back not sure what happens in refund case )
Aise case me jitna apko discount mila hai wo minus ho jata hai total amount me se, aur ye trick use kerne ke bad me apko nikshan hi hoga. So make sure ager aap ye trick use ker rahe ho to return na karwao apne product ko.
@@dr.anand456 theek hai ji
But isn't that discount on the interest of EMI soh it shows the same amount of the product just minus the interest you would have given on the interest payable emi?
14 din mai cancel krwa sakte haI EMI …… ICICI and HDFC mai …… SBI mai nhi hota bhai …….. 2 Saal se use kr rha hu mai yeh trick 😅
so card block nahi hua as people are saying? and also what about cibil score? and kaun sa card hai ?
@@skaslam3201 block hone ka to koi chance he nhi hai ….. nhi hota block
cibil 810 , hdfc and icici
Bhai emi m convert hone k baad cancel karni h ya phle ??
@@cranticari8162convert hone ke 1 din baad krlo
there will be preclousure charges of 3% on total amount and also GST
bro proved he is real Sindhi 😂
Does it work for hdfc debit card ?
Nop
I've been doing this for 2 years now 😂 I guess i should have made a video about it already.
Ps: Doing it with ICICI credit card and no issues as of now. So go ahead.
Does this work on sub credit card or we need to pay some preclosure charges.
Bhai close kb krna h...maine icici credit card se no cost emi pr product purchase kiya h flipkart se aur abhi unbilled transaction me full amount show kr rha h..emi me convert nahi hua h abhi...to wait krna h kya emi create hone ka ya abhi call krke bol dena h ki iski emi nahi bnwani onetime payment krke settle krna h??? Please reply jrur krna
Update batau bhai kabh cancelled kiya@@himanshuagarwal27
Petition to name this channel Jugadu Sindhi.
bhaiya koi accha sa pendrive bataye 64gb ka
maine sandisk ka liya hai 3.0 metal body hai but bahut hi jada heat karta hai itna ki mujhe return karna pada hai
Sir, loan close hone ke baad jo bil aayega wo credit card ke bill ke sath aayega ya other method se payment karke lone close Karna hoga. Please reply
Credit card statement me ayega bhai
Dhoti po kholai toh bhau 😂 bankan ke khabar payjiwendi.
I saw ur ps5 video and applied that thing while buying laptop.
Emi li or cancel kara di 😂😂 hdfc op 🔥
Hdfc ne preclosuse charge kaata hoga kitna kaata
@@ManishKumar-br3iv dad knows.. meine unku bas video dikhai thi
Does it still work or banks have identified this loophole?
Super Idea Bro ❤❤❤❤❤❤
Love You For save my Money
Love You bro
Yah trick abhi kam kar rahi hai kya 2024 November mein mere ko ek TV bye karna hai 55 inch ka please help Me HDFC Credit Card hai mere pass
I did 5 months before in kotak card cc. That was no cost emi , time period 6 months. I called cc & cancel EMI. That was my first EMI trasaction. I researched and read all t&CS of emi. After that Paid full bill after 1 week... They only charged me 97rs additional....
Was transaction in unsettled tab or settled tab
bhaiya 15 jan ko raat ko 11:30 pe order kiya tha abhi tk statement me show ni hua
Will this work on Debit card No cost emi transactions also???
Kya yr trick sirf no cost emi pr ho work karega? & kya ye trick sirf credit card pr hi hork karega? Please answer my this 2 question.
Bank pre closure charges leta hai
Will it work on offline store like reliance digital ?
Mene ipad pro 80 hajar ka liya h. But Bank mana kr raha h es processs k liye
So this will work in offline too where 24 months is limit?
Aapko yeh sab pata kaise chalta hai? Asli Sindhi ho sir aap
Bhai, meine iphone 15 pre-order kiya ye on amazon and have chosen 6months no cost emi option,
But trxn is not showing in an unbilled statement even after 1 day.
Pls help on this???
Any update?
Lekin credit score kharab ho jaiga na??
no
@@SarcasticSindhi achcha
Agar bank ne koi reason se pre closing mana kar diya phir bure fashoge. So take your own risk before placed such order😅😅😅
That's true BOB card did that. They dragged my cancel request to my post bill generate date, and guess what after bill generate only PRECLOSERE option. which is costly
चिनदीगीरी, और चिनदीचोर आपके नाम सा प्रभावित है🎉🎉
Pre closer are not provided by most of the banks ! 😢
Hope I know that before! 😢 Delete ASAP😵💫
There is 2 types of EMI in HDFC 1. Offus 2. Merchant You can only cancel Offus EMI. and Merchant EMI can cancelled only when merchant cancel the transaction then HDFC can cancel the EMI.
In your video there is Offus transaction.
Flipkart do these in Merchant EMI so if you cancel then you have to pay preclosure charges and interest both.
We are fix this soon.
I am from HDFC I know this from 2 years
Bro please elaborate Offcus transcation and merchant emi I saw his statement offcus showing.
whole intrest of 12months or 24 months or of just 1 day
Onetimepe se recharge nahi ho raha he .last 4din se.. Maine 2 subscription liya tha..kuch help kijiye..app ka video dekh ke hi liya tha subscription.
Isse acha i buy it on pre-paid payment na? Either way katna to hai hi mrp price ya order price..
I mean agar koi banda instant pay kr pa raha hai to emi kyu hi choose krega ( i know few mindset as you said in video ).
Yes I agree Its Big Scam EMI
This hack is not working with HDFC bank credit card now
AWESOME BRO ❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤
Can this affects cibil skore?
Bhai,Emi pe aur ek problem bhi hai... humare yaha pe product wrong delivery hoke product return hua tha then firse same broken product delivery hua tha....then order cancel hogaya.....To 2 month ka emi kha liya tha bank se....Then refund lene ke liye bahut mehnat karna pda......Sir emi pe discount and free pe loan milta hai but........isi Modi ka Aache Bharat ke liye COD sabse best hai......
Kiya koi please mujhe point out karke batayega ki "interest amount 8300 rupess kaha pr show hora hai" ??