Bill Period Unpaid Spends

This is the total value of purchases (net of reversals, refunds, and pre-payment) done on your Unity Bank BharatPe Credit Card in a billing period.

Example 1 :


Bill Date: 20th Jun; Bill Period: 21st May to 20th Jun

Particulars Transaction Amount
23rd May Grocery Purchase INR 1,200
29th May Apparel Purchase INR 3,000
3rd Jun Repayment of 20th May Bill dues INR 2,000 CR
4th Jun Pre-Payment INR 500 CR

Bill Period Unpaid Spends = INR 1,200 + INR 3,000 – INR 500 = INR 3,700.

As per the construct, this amount will be converted into 3 EMIs on 20th June bill generation.

Example 2 :



Bill Date: 20 th Sep; Bill Period: 21 st Aug to 20 th Sep

Particulars Transaction Amount
25th Aug Electronics Purchase INR 9,200
26th Aug Dining Spends INR 2,000
3rd Sep Repayment of 20th Aug Bill dues INR 2,000 CR
4th Sep Refund of Electronics Purchase INR 1,100 CR

Bill Period Unpaid Spends = INR 9,200 + INR 2,000 – INR 1,100 = INR 10,100.

As per the construct, this amount will be converted into EMIs on 20 th Sep bill generation as per opted EMI tenure.