Card Statement date – 15th of every thirty days.

Deal done between sixteenth June’19 – 15th July’19

1. Retail Purchase of Rs. 5000 – On twentieth June’19

2. Cash Withdrawal of Rs. 7000 – On 10th July’19

Presuming No past Balance carried ahead through the fifteenth June 2019 declaration, the cardholder gets their 15thJuly declaration showing Rs.12,000 of deals along side 5 times of finance costs in the rate relevant from the Rs.7,000 money withdrawal. The cardholder has to make re payment contrary to the outstanding by fifth August 2019, in other words. 20 times through the Statement Date, for any such thing involving the whole quantity or minimal Amount Due. Take note that any re re payment made against your bank card outstanding, would first be cleared against your Minimum Amount Due (that is comprehensive of all of the relevant fees, EMI on Loan plans+5% of Total outstanding), charges along with other fees (if any)followed by Balance Transfer balance (if any), retail stability (if any) and will be modified against your hard earned money stability (if any) final. Finance fees will soon be levied through the past declaration date unless in case of non-interest levied outstanding retail balance, in which the finance fee is levied through the date regarding the deal. No Finance Charges are levied on such balances in case the statement outstanding has no cash balance and has not been carried forward from a previous statement and the retail balance outstanding on the statement date is paid in full by the payment due date.

Card Statement date – 2nd of on a monthly basis.

Deal done between third Jan’19 – 2nd Feb’19

1. Retail Purchase of Rs. 10000 – On fifth Jan’19

2. On line Purchase of Rs. 30000 – On fifteenth Jan’19

Presuming no balance that is previous ahead through the second Jan 2019 declaration, the cardholder can get their second Feb declaration showing Rs. 40,000 deals. The cardholder has to make re payment resistant to the outstanding by 22nd Feb 2019, for example. 20 times through the Statement Date, for such a thing involving the whole quantity or the minimal Amount Due. In the event the declaration outstanding has no money stability and has now perhaps not been carried ahead from the past declaration together with retail balance outstanding on the declaration date is paid in complete because of the repayment deadline, No Finance Charges are levied on such balances. Making just the payment that is minimum month would end up in the payment extending over the years with consequent interest re payment on the outstanding stability.

For e.g. for a deal of Rs. 5,000 if minimal Amount Due is compensated on a monthly basis (susceptible to at least level of Rs. 200 each month), it may need as much as 44 months for whole amount that is outstanding be compensated in complete.

Card Statement date – 2nd of on a monthly basis

Deal done between third March ’19 – 2nd April ’19

(1) Annual Fee of Rs. 500 – On 5th March ’19

(2) Applicable fees of Rs. 72.50 – On 5th March ’19

(3) on line Purchase of Rs. 6000 – On fifteenth March ’19

Presuming no balance that is previous ahead through the 2nd March 2019 declaration, the cardholder can get his second April declaration showing Rs. 6,590 deals. The cardholder has to make payment from the outstanding by 22nd April 2019, for example. 20 times through the Statement Date, for any such thing involving the entire quantity or minimal Amount Due. Presuming the cardholder makes the re re payment of minimal Amount Due of Rs. 415, (5% of Total outstanding) + relevant fees on 22nd April 2016, rounded down to decimal point that is nearest, finance costs could be levied during the effective price and put into the sum total outstanding. Taking into consideration the rate that is effective of% p.m., finance fee calculation are going to be done the following:

From the stability of Rs. 500 March that is(5th to April) for 49 days: (3.50*12)*(49/365)*500/100= Rs. 28.19

From the relevant taxes of Rs. 90 (5th March to 22nd April) for 49 times: (3.50*12)*(49/365)*90/100= Rs.5.07

In the stability of Rs. 6000 (fifteenth March to 22nd April) for 39 times: (3.50*12)*(39/365)*6000/100= Rs. 269.26

Regarding the stability of Rs. 6,175 (22nd April to second might) for 10 times: (3.50*12)*(10/365)*6175/100= Rs. 71.05

Total Interest charged = Rs. 373.57

Amount of Outstanding purchase quantity, Interest costs, costs and fees, if any, and relevant fees would mirror since the Total quantity due into the statement dated second might presuming the card owner will not make any deals between 3rd April ‘19 – 2nd May ‘19.

Every month and also keep paying the interest amount he would clear the outstanding in 20 months (100%/ 5% = 20) if the cardholder keeps making the Minimum Amount Due (5%) payment.

Then Finance charges will be levied on the closing balance till the payment date if the Cardholder makes partial or no payment of Total amount due(TAD) before Payment due date(PDD); i.e. the Customer has outstanding balance from previous months and in the current month, full payment of Total amount due is made before Payment due date.

Card Statement date – 2nd of every month.

Deals done between third Dec’18 – 2nd Jan’19

1) Retail buy of Rs. 500 – On 15th Dec’18

2) Online Purchase of Rs. 600 – On twentieth Dec’18

Presuming the cardholder makes partial re re payment of of Rs. 500, on 22nd- Jan 2019, finance fees is levied in the effective price and included with the full total outstanding. Thinking about the rate that is effective of% p.m., finance cost calculation is going to be done the following

Regarding the stability of Rs. 500 (15th Dec to 22ndJan) for 39 times: (3.50*12) * (39/365) *500/100 = Rs. 22.43

Regarding the stability of Rs. 600 (20th Dec to 22nd Jan) for 34 times: (3.50*12) * (34/365) *600/100 = Rs. 23.47

Regarding the stability of Rs 600(22nd Jan to second Feb) for 10 times (3.50*12) * (10/365) *600/100 = Rs. 6.90

Total Interest Charged = Rs. 52.80

Transactions done between 3rdFeb’19 – 2ndMar’19

1) Beginning stability of Rs. 652.80 – On 3rd Feb’19

2) Retail Purchase of Rs. 1000 – On 5th Feb’19

3) on line Purchase of Rs. 3000 – On fifteenth Feb’19

Presuming previous stability of Rs. 652.80 carried ahead through the 2ndFeb 2019 declaration, the cardholder has to make re payment up against the outstanding by 22nd Feb 2019, in other words. 20 times through the Statement Date, for any such thing involving the entire quantity or minimal Amount Due.

Presuming Cardholder makes complete re payment by fifteenth Feb for example. within payment date that is due. Taking into consideration the rate that is effective of% p.m., finance fee calculation is supposed to be done the following:

Regarding the Balance of Rs. 652.80 (3rdFeb – 15thFeb) for 12 times: (3.50*12) *(12/365) * 652.80/100 = Rs. 9.01

(3.35*12) *(12/365) * 650.56/100 = Rs. 8.60

Total Interest Charged = Rs. 9.01

Sum of Outstanding purchase quantity, Interest costs, costs national cash advance phone number and costs, if any, and all sorts of taxes that are applicable mirror while the complete 6 quantity due when you look at the statement dated second March.