For The Love Of Gadgets

Vishal Bhalla, 30, a corporate communications professional had taken a loan of Rs90,000 to buy an iPhoneX, in March last year – only four months after its launch in India. He claims to be a big fan of Apple’s smartphones as he finds it convenient, comfortable, with easy-to-use features. Previously, he has used iPhone 5, 5s, 6 and 6s, and also tried OnePlus mobile for a brief period. Consumer electronics and durables retail chain, Croma, had given Bhalla a good deal while purchasing iPhoneX. According to him, the company did not charge him any interest, and the sum could be paid in one year’s EMI. Moreover, the loan was processed within an hour with basic documents like Aadhar card, Pan card, and a down payment of `10,000, which also covered the phone’s insurance fee. Bhalla said that the retail chain had a direct coordination with HDFC bank, where he holds his...