The minimum-due trap
Paying only the minimum keeps the card 'current' — and keeps you paying for years. See exactly how long and how much.
Minimum due assumed at 5% of the balance (at least ₹200). No new spends.
Paying only the minimum
- Time to clear
- 22 yr 11 mo
- Interest you'd pay
- ₹3,43,666
- Fixed ₹10,000/month
- 1 yr 10 mo · ₹66,438 interest
- Indicative settlement
- ≈ ₹74,250 once
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Indicative only — actual results depend on lender policy and your full credit file. Settlement is always at the lender's discretion and is paid directly to the lender.