A forgetful year costs about
₹8,700
AED 1,333
Two missed card cycles, one late tax return, one bounced EMI and a late power bill. Nothing dramatic — just an ordinary year of forgetting.
Two missed card cycles, one month uninsured, a late Emirates ID renewal and two months of overdue registration. Nothing dramatic — just an ordinary year of forgetting.
₹2,600 card fees + ₹468 GST + ₹5,000 late ITR fee + ₹500 EMI bounce + ₹150 power surcharge. Interest on carried balances — 3–3.75% per month — sits on top of all of it.
AED 483 card fees + AED 500 health-insurance lapse + AED 300 Emirates ID delay + AED 50 registration delay. Interest on carried balances — 2.5–4% per month — sits on top of all of it.
💳
Credit card paid lateSlab fee by outstanding, plus 18% GST, every missed cycleCentral Bank capped fee, every missed cycle
₹400 – ₹1,300
AED 241.50
🧾
Income tax return filed lateSection 234F flat fee — ₹1,000 if income is under ₹5 lakh — plus 1% a month under 234A
₹5,000
🧾
VAT / corporate tax return filed lateFTA penalty — AED 2,000 if you repeat it inside 24 months
AED 1,000
🚗
Car insurance lapsedSection 196, MV Act — ₹4,000 on a repeat, and you carry the whole accident liability yourself
₹2,000
🚗
Vehicle registration renewed latePer month overdue in Dubai. Driving on an expired Mulkiya: AED 500, 4 black points, 7-day impound
AED 25 / mo
🏦
EMI or auto-debit bouncedLender penalty plus your bank's failed-mandate charge, per bounce
₹300 – ₹1,200
🛡️
Health insurance lapsedDHA penalty, per month, for every uninsured person you sponsor
AED 500 / mo
⚡
Electricity bill paid lateLate payment surcharge, compounding monthly — exact rate varies by state utility
~1.25% / mo
🪪
Emirates ID renewed latePer day past expiry, capped at AED 1,000
AED 20 / day
📊
GST return filed latePer day per return if you freelance or run a business, capped at ₹10,000
₹50 / day
📈
Tax paid lateFTA interest on the unpaid amount, from the day after the deadline
14% a year
📉
Credit record damageReported to CIBIL — it shapes your loan rates for yearsReported to Al Etihad Credit Bureau — it shapes your loan rates for years
Hard to price
