EMI vs. Lump Sum: Which is Better?

Published on August 5, 2025

When it comes to making big purchases or investments, the choice between EMI and lump sum payments can significantly impact your financial health.

1. Benefits of EMI

EMIs allow you to spread payments over time, making large purchases more affordable in the short term.

2. Benefits of Lump Sum

Paying in one go often gets you discounts and avoids long-term interest costs.

3. Which Should You Choose?

If you have the funds and want to save on interest, go lump sum. If cash flow is tight, EMI may be better.

Always assess your personal financial situation before deciding.