क्रेडिट कार्ड परतफेड कॅल्क्युलेटर
कार्डची शिल्लक फेडायला किती वेळ लागेल: ठरावीक रक्कम विरुद्ध किमान देय रक्कम, 18% जीएसटीसह
| महिना | सुरुवातीची शिल्लक | व्याज | जीएसटी | भरणा | अखेरची शिल्लक |
|---|---|---|---|---|---|
| १ | ₹१,००,०००.०० | ₹३,६००.०० | ₹६४८.०० | ₹१०,०००.०० | ₹९४,२४८.०० |
| २ | ₹९४,२४८.०० | ₹३,३९२.९३ | ₹६१०.७३ | ₹१०,०००.०० | ₹८८,२५१.६६ |
| ३ | ₹८८,२५१.६६ | ₹३,१७७.०६ | ₹५७१.८७ | ₹१०,०००.०० | ₹८२,०००.५९ |
| ४ | ₹८२,०००.५९ | ₹२,९५२.०२ | ₹५३१.३६ | ₹१०,०००.०० | ₹७५,४८३.९७ |
| ५ | ₹७५,४८३.९७ | ₹२,७१७.४२ | ₹४८९.१४ | ₹१०,०००.०० | ₹६८,६९०.५३ |
| ६ | ₹६८,६९०.५३ | ₹२,४७२.८६ | ₹४४५.११ | ₹१०,०००.०० | ₹६१,६०८.५० |
| ७ | ₹६१,६०८.५० | ₹२,२१७.९१ | ₹३९९.२२ | ₹१०,०००.०० | ₹५४,२२५.६३ |
| ८ | ₹५४,२२५.६३ | ₹१,९५२.१२ | ₹३५१.३८ | ₹१०,०००.०० | ₹४६,५२९.१४ |
| ९ | ₹४६,५२९.१४ | ₹१,६७५.०५ | ₹३०१.५१ | ₹१०,०००.०० | ₹३८,५०५.६९ |
| १० | ₹३८,५०५.६९ | ₹१,३८६.२१ | ₹२४९.५२ | ₹१०,०००.०० | ₹३०,१४१.४२ |
| ११ | ₹३०,१४१.४२ | ₹१,०८५.०९ | ₹१९५.३२ | ₹१०,०००.०० | ₹२१,४२१.८२ |
| १२ | ₹२१,४२१.८२ | ₹७७१.१९ | ₹१३८.८१ | ₹१०,०००.०० | ₹१२,३३१.८२ |
हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.
हे निकाल अंदाजे आहेत, आर्थिक सल्ला नाही. दर, शुल्क आणि नियम बदलत असतात, त्यामुळे निर्णय घेण्यापूर्वी आपली बँक, पोस्ट ऑफिस किंवा आर्थिक सल्लागाराकडून खात्री करून घ्या. वापराच्या अटी
भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.
कसे वापरावे
- आपल्या कार्डवरील थकीत रक्कम आणि कार्डच्या अटींमध्ये दिलेला व्याजदर (मासिक) भरा (बहुधा दरमहा 3 ते 3.75%).
- व्याजावर 18% जीएसटी जोडा हे सुरूच ठेवा, कारण कार्ड देणाऱ्या कंपन्या फायनान्स चार्जवर तो आकारतात.
- आपण दरमहा भरू शकता ती रक्कम आपला ठरावीक मासिक भरणा यात भरा.
- आपल्या कार्डचा किमान देय रकमेचा नियम भरा: किमान देय रक्कम (स्टेटमेंटच्या %) आणि किमान देय रकमेची किमान मर्यादा, म्हणजे कार्ड कंपनी मागते ती सर्वात लहान रक्कम.
- आपण किती लवकर कर्जमुक्त व्हाल, फक्त किमान रक्कम भरत राहिल्यास किती खर्च येईल, शिलकीचा आलेख आणि महिनानिहाय परतफेड तक्ता पाहा.
Why credit card debt grows so fast
If you pay your full credit card bill by the due date, you pay no interest. The moment you carry even part of it forward, the card charges finance charges, usually about 3% to 3.75% a month on Indian cards, which is 36% to 45% a year. Card issuers also charge 18% GST on that interest and on fees, so 3.6% a month really costs about 4.25% a month. Few other loans in India cost this much, which is why clearing card debt quickly matters more than almost any other money goal.
How this calculator works
GST = interest × 18%
Statement = balance + interest + GST
New balance = statement − payment
It repeats this every month until the balance is zero, once with your fixed payment and once paying only the minimum due (the higher of the percentage you enter and the minimum ₹ amount). Every payment is assumed to cover at least that month's interest and GST: RBI's 2022 directions on credit cards say the minimum due must not lead to the balance growing.
Simplifications. It assumes you make no new purchases and pay on time. Real cards work out interest daily from each transaction date and, while a balance is carried, usually charge interest on new purchases from the day you buy. Late fees (plus GST) apply if you miss even the minimum due. So your actual cost is likely to be somewhat higher than shown, never lower.
Worked example: the minimum due trap
You owe ₹1,00,000 at 3.6% a month, with 18% GST on interest.
- Month 1: interest ₹3,600 + GST ₹648 = ₹4,248. The statement is ₹1,04,248.
- Paying ₹10,000 a month, the balance falls to ₹94,248 after the first month and is cleared in 14 months, with about ₹32,977 paid in interest and GST.
- Paying only a 5% minimum due (₹5,212 in month 1, then less as the balance falls, never below ₹200), it takes about 31 years 6 months and costs about ₹4.28 lakh in interest and GST, over four times the original debt.
The minimum due shrinks along with the balance, so most of each payment goes to interest and very little to the principal. That is the trap: the card stays "current" and your credit report shows no default, yet the debt barely moves.
Typical charges on Indian credit cards
| Charge | Typical level | GST |
|---|---|---|
| Finance charges (interest) | About 3–3.75% a month | 18% |
| Late payment fee | Slab-wise, by amount due | 18% |
| Cash withdrawal fee | Usually a % of the amount, with a minimum | 18% |
Exact figures differ by card. Check your card's Most Important Terms and Conditions (MITC) or the latest statement.
Ways to get out faster
- Pay as much as you can above the minimum, and stop using the card until the balance is cleared.
- Convert to EMI or take a cheaper loan. Card EMI conversion, a personal loan or a loan against an FD usually costs far less than 40%+ a year. Compare the total cost, including processing fees.
- Balance transfer to another card at a lower rate can help, but read the fee and the rate after the offer period.
- Always pay at least the minimum on time. A missed payment adds a late fee and can hurt your credit score.