Have you ever said yes to a loan because the EMI looked manageable? Only to feel the pinch later every month? If you nodded, you’re not alone. It happens more than you think. EMIs aren’t just monthly payments. They are silent budget-breakers when not planned right. Taking a personal loan without calculating your EMI properly is like shopping without checking the price tag. You don’t feel the shock at checkout, but you do every month when the bank takes a bite of your salary.
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