Why is my first monthly EMI is less than the amount mentioned on HomeShop18?

For Citibank customers, the first month’s EMI amount may differ from the amount given in the table because it will be calculated pro rata.

e.g. if the customers buys a product on the 15th of a month and his credit card statement is generated on the 25th of the same month, then the EMI will be calculated as per the number of days to billing.

This is to ensure that the customer is charged justly for the appropriate duration and not the entire month.

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