# Investing Before Buying Could Reduce the Cost of a ₹1 Lakh Phone 2026-08-06T11:16:44+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet A Hindustan Times article compares financing a ₹1 lakh smartphone with saving for it. It estimates that a 12-month loan at 15% interest would require an EMI of about ₹9,025 and total repayments of nearly ₹1.08 lakh, excluding additional charges. The phone also loses value after purchase. The article says investing ₹10,000 monthly for 10 months in short-term bonds with an illustrative 12% annual return could create a corpus of about ₹1.05 lakh. It cautions that bond availability, maturity dates, payout schedules and minimum investments vary. Buyers are also advised to check the actual cost and conditions of zero-cost EMIs. ## Coverage - hindustantimes.com This story was synthesised by AI from the source linked above. Updated: this story now draws on 1 sources. Last updated 2026-09-27T06:01:55+00:00. Tags: bonds, consumer loans, EMI, personal finance, smartphones Canonical: https://indianopinion.org/investing-before-buying-could-reduce-the-cost-of-a-rs1-lakh-phone/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/investing-before-buying-could-reduce-the-cost-of-a-rs1-lakh-phone/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/