mahernoz daruwala
4.2K posts




















iPhones are terrible to use in summers step out of AC and they start acting up. It’s not even 40°C here, and the battery just refuses to charge past 80%. On top of that, the slowdown is insane!🤦🏻♂️ @Apple











The "No-Cost" EMI Myth: 3 Things You Need to Know 💳 Think "No-Cost" EMI means zero interest? Think again. It’s a clever marketing wrap for a standard loan. Here is the reality check: The Hidden Interest: Banks aren't allowed to give 0% interest loans. Instead, the retailer gives you an "upfront discount" equal to the interest amount. You pay the full price back to the bank, and that "discount" becomes the interest they pocket. The GST Hit: Even if the interest is "discounted," you must pay 18% GST on every monthly interest component. This tax is paid to the government and is never waived. Processing Fees: Most banks sneak in a one-time fee (plus GST) just to set up the EMI. Bottom Line: You almost always pay more than the sticker price. It’s a convenience tool, not a "free" deal. Always check the Total Cost of Purchase before you swipe! Always PayRyt ✔️













