AS THE GOODS and Services Tax (GST) rate cut has given a push to premiumisation in consumer spending, lenders are offering special deals such as zero-cost EMIs, cashbacks, discounts and flexible repayment options on consumer durable loans.

For instance, HDFC Bank is offering savings of up to Rs 50,000 on personal, car, home loans . Axis Bank is offering personal loans starting at 9.99% and exclusive partner deals for electronic products. The bank is offering special discounts on two-wheeler EV loans and superbike loans. Similarly, L&T Finance is offering festival schemes for two-wheeler customers — zero-cost EMI, prompt payment rebate, and EMI Lite Festive (buy in 2025, pay in 2026).

Lenders are also providing instant small-ticket loans to pre-approved customers and those with st

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