How much will an unpaid ₹50,000 credit card bill cost after 12 months?

An unpaid credit card bill of ₹50,000 can grow to approximately ₹80,153 in 12 months, assuming the card issuer charges a monthly interest rate of 3.5% (42% annually), according to Livemint. This includes ₹25,553 in interest and around ₹4,600 in GST. The calculation excludes applicable late fees, fines and other charges, which vary by card type and issuing institution.