BNPL Kya Hai?
BNPL, yaani Buy Now, Pay Later, ek aisa digital credit system hai jahan aap koi bhi product ya service abhi le sakte ho aur payment baad me kar sakte ho—usually 15, 30, ya 45 din ke andar.
Aaj ke time me BNPL India me bahut popular ho gaya hai, especially online shopping ke liye. Aapne apps jaise Amazon, Flipkart, Zomato, Swiggy, Myntra, Nykaa, Simpl, LazyPay, aur ZestMoney me ye option dekha hi hoga.
BNPL aapko instant credit deta hai bina credit card ke. Isliye log sochte hain ki ye “free credit” hai. Lekin yahi galti sabse badi hoti hai—BNPL me chhupe charges aur hidden fees ko samjhe bina log use karte hain, jisse baad mein unhe extra interest, late payment fees, aur penalty charges dene padte hain. Agar aap in BNPL me chhupe charges ko samajh lein, to aap unnecessary paisa kharch hone se bach sakte ho aur smart financial decision le sakte ho.
Table of Contents
BNPL Kyu Popular Ho Raha Hai?
- No Documentation: KYC ke alawa kuch nahi chahiye.
- Quick Approval: 2-minute me limit mil jaati hai.
- Zero Interest (initially): Short period ke liye interest-free rehta hai.
- Convenient Payment: UPI ya auto-debit se easy settlement.
- Credit History Build: Time pe payment karne se CIBIL improve hota hai.
Lekin, har facility ke sath responsibility bhi aati hai. BNPL misuse karne par aapko extra charges aur credit score impact dono face karne pad sakte hain.
BNPL Me Chhupe Charges Kaise Lagate Hain?
BNPL companies aapko attract karti hain “0% interest” ya “instant approval” jaisi offers se. Lekin agar aapne terms and conditions dhyan se nahi padhe, to hidden charges lagne lagte hain. Chaliye, har ek charge ko detail me samjhte hain.
1. Late Payment Fees
BNPL bill ka due date miss karte hi late payment charge lagta hai—jo ₹100 se ₹700 tak ho sakta hai depending on amount and platform.
Example:
Agar aapne ₹5000 ka BNPL bill LazyPay par delay kiya, to ₹350–₹400 tak late fee lag sakti hai.
Tip: Due date ke 24 ghante ke andar payment karne par kuch apps partial fee maaf karte hain.
2. Processing Fee or Convenience Charge
Kuch BNPL platforms har transaction par processing fee (₹10–₹50) lagate hain. Ye charge hidden hota hai aur mostly “service charge” ke naam se statement me show hota hai.
Example:
Simple app kuch merchants par ₹10–₹30 processing fee lagata hai—jo app ke home screen par nahi dikhai deti.
3. Interest Charges (After Grace Period)
BNPL tab tak free hota hai jab tak aap grace period ke andar full payment kar dete ho. Agar aapne “convert to EMI” choose kiya, to 18%–36% annual interest lag sakta hai.
Example:
ZestMoney ke ₹10,000 EMI plan ko choose karne par 24% interest lagta hai—jisse total ₹11,200 tak repay karna pad sakta hai.
4. Credit Score Impact
BNPL ek mini loan hota hai. Agar aap due date miss karte ho ya delay karte ho, to BNPL company aapka data CIBIL/Experian ko report karti hai. Result—aapka credit score 20–50 points tak gir sakta hai!
Example:
Simpl ya LazyPay par repeated late payment karne par aapko credit card apply karne me bhi dikkat aa sakti hai.
5. Auto-Debit Failure Charges
Agar aapne auto-debit enable kiya hai aur account me sufficient balance nahi hua, to auto-debit failure fee (₹100–₹300) lag sakti hai. Repeated failures se account temporarily block bhi ho sakta hai.
6. “No Cost EMI”—Hidden Charges
Aapne suna hoga “No Cost EMI”— lekin ye har time sach nahi hota. Kayi baar seller product price me hi interest add kar deta hai.
Example:
₹10,000 ka mobile “No Cost EMI” par ₹10,500 me milta hai — kyunki bank/seller ne interest ko price me adjust kar diya hota hai.
So technically, “No Cost EMI” = Hidden Interest EMI.
BNPL Me Chhupe Charges Comparison (Top Indian Apps – 2025)
| BNPL Provider | Interest Rate | Late Fee | Processing Fee | Credit Impact |
|---|---|---|---|---|
| Amazon Pay Later | 0% (if on time) | ₹100–₹350 | Nil | Yes |
| LazyPay | 18–36% (on EMI) | ₹200–₹400 | ₹10–₹50 | Yes |
| Simple | 0% | ₹250–₹500 | ₹10–₹20 | Yes |
| ZestMoney | 18–36% | ₹250–₹700 | ₹99 (processing) | Yes |
| Flipkart Pay Later | 0–24% | ₹100–₹500 | Nil | Yes |
| ICICI FlexiPay | 14–24% | ₹200–₹600 | ₹50 | Yes |
Note: Ye data average 2025 user ke liye hai. Charges bank, usage, aur offer ke hisaab se vary karte hain.
BNPL Use Karne Wale Users Ke Real Problems
- Hidden Fees Samajh Nahi Aati:
Most users sirf “0% interest” dekhte hain, lekin “terms” nahi padte. - Overspending:
The “Abhi lo, baad me do” mental trap causes unnecessary shopping. - Multiple BNPL Accounts:
LazyPay, Simpl, and ZestMoney—sab use karne se credit tracking mushkil ho jaata hai. - Payment Miss:
Ek missed payment par domino effect lagta hai—late fee, interest, CIBIL drop sab ek sath.
BNPL Me Chhupe Charges Bachne Ke Smart Rules
1. Due Date Calendar Banao
Google Calendar ya app reminder lagao taaki payment kabhi miss na ho.
2. Auto-Pay Tabhi Enable Karo Jab Account Me Balance Ho
Aksar users auto-debit lagate hain bina checking—aur fir bounce fee lag jaati hai.
3. Har BNPL App Ki Terms Padho
Har provider ke “Schedule of Charges” page ko ek baar zarur padho.
4. EMI Avoid Karo
Interest-free period me full payment kar do. EMI me convert karte hi 24–36% interest lagta hai.
5. Apna Credit Report Monitor Karo
CIBIL, Experian, CRIF me free report har 3 mahine me check karo. Agar koi BNPL default dikh raha hai, turant resolve karo.
BNPL vs. Credit Card—Kaunsa Better Hai?
| Feature | BNPL | Credit Card |
|---|---|---|
| Credit Limit | ₹5k–₹25k | ₹20k–₹5L+ |
| Interest-Free Period | 15–30 days | 45–55 days |
| Credit Score Impact | Yes | Yes (but transparent) |
| Rewards & Cashback | Rare | Common |
| Hidden Charges | Often | Clear terms |
| Approval | Instant | Based on credit history |
Final Decision:
BNPL short-term use ke liye convenient hai, lekin long-term credit aur rewards ke liye credit card zyada better option hai.
BNPL Kaise Aapki Financial Planning Ko Affect Karta Hai?
- Short-Term Comfort: Aaj kharido, baad me do—easy lagta hai.
- Long-Term Trap: Aapka monthly outflow silently badhta hai.
- Budget Discipline Girti Hai: Aap future income pe depend karne lagte ho.
Result: Salary aane se pehle hi half amount dues me chala jaata hai.
BNPL Safe Hai Ya Nahi?
The BNPL system is legal and RBI-regulated (for NBFC-backed apps). Lekin kuch unauthorized lending apps bhi market me hain jinke terms unclear hote hain.
Safe BNPL Apps:
- Amazon Pay Later (Capital Float)
- LazyPay (PayU Finance)
- Simpl (GetSimpl Technologies)
- ZestMoney (NBFC tied)
Unsafe Indicators:
- No RBI registration
- Forceful permissions (contacts, gallery access)
- Aggressive recovery calls
Real-Life Example (Case Study)
Rohit, a 24-year-old Delhi user, ne 3 BNPL apps use kiye—Simpl, ZestMoney, and LazyPay. Pehle 2 mahine sab perfect tha. 3rd month me salary delay hui, aur teenon me ₹3000 total late fees lag gaye. CIBIL score 780 se 720 ho gaya.
Ab Rohit ko personal loan apply karne me bhi problem ho rahi hai.
Lesson: BNPL short-term comfort, long-term risk.
BNPL vs Credit Card Reward Comparison
| Category | BNPL (Simpl, LazyPay) | Credit Card |
|---|---|---|
| Cashback | 0–1% (selected merchants) | 1–5% (standard) |
| Reward Points | Rare | Common |
| Offers | App-specific | Brand-wide |
| EMI Flexibility | 3–6 months | 3–24 months |
| Transparency | Low | High |
Conclusion: Credit card use sahi tarike se karo to BNPL ke sab benefits milte hain—aur hidden traps nahi hote.
Final Tips: BNPL Use Karne Se Pehle Ye Zarur Karo
- App limit check karo: Har app me limit alag hoti hai.
- Payment timing set karo: Salary date ke baad ka BNPL due date avoid karo.
- Overlapping BNPL avoids karo: Ek hi app use karo, multiple nahi.
- Statement review karo: Har month BNPL bill thoroughly padho.
- Use only for emergencies or essentials.
Conclusion
BNPL ek modern finance convenience tool hai. Lekin agar misuse ho gaya to financial trap ban jaata hai. Hidden charges, interest, and late fees se bachne ke liye bas ek mantra yaad rakho:
“Spend only what you can repay next month—not what looks free today.”
BNPL ka smart use aapke credit score ko strong bana sakta hai. Aur careless use aapke future loans ko risk me daal sakta hai.
FAQs – BNPL Related Questions (2025)
1. Kya BNPL use karne se CIBIL score improve hota hai?
Haan, agar aap timely repayment karte ho to positive impact hota hai.
2. BNPL aur credit card me kya difference hai?
BNPL is short-term digital credit; credit cards are long-term revolving credit that has a higher limit and more rewards.
3. BNPL par interest kab lagta hai?
Jab aap due date ke baad payment karte ho ya EMI me convert karte ho.
4. Kya BNPL safe hai India me?
Yes, lekin sirf RBI-registered providers jaise Amazon Pay Later, LazyPay, Simpl, aur ZestMoney ko hi use karo.
5. BNPL me chhupe charges check kaise karein?
App ke “Terms & Conditions” → “Schedule of Charges” section me sab mention hota hai.
Read more : CIBIL Score Improve Karne Ke 15 Easy Tips
Read more : Best Lifetime Free Credit Cards in India 2025 (No Joining & Annual Charges)
Hello Dosto! Mera naam Krishna Shirsath hai aur main Moneymentor360 blog ka lekhak aur founder hoon. Is blog ke madhyam se main aapko Finance, Loan, Banking, Credit Card, Insurance, Loan Apps, Business Loan, aur Online Earning se judi useful aur updated jankari simple Hinglish mein provide karta hoon taaki aap apne financial decisions smartly le saken.