0% is never free, just as 'there is no free lunch' ! And, do we really want free? We want to pay what is appropriate price, so that we get value for money.
More often, 0% works out costlier.
If it is linked to credit card EMI, it is a slow killer. We move closer to debt trap and lose peace of mind.
We don't want to build an economy purely on consumption, do we?
Debt-free, Saving, ceiling on desires, etc are more holistic and blissful !
RBI now against 0% EMIs for consumer goods, banks withdraw finance schemes; festive sales likely to be hit - The Economic Times