New Delhi, Sept. 11 -- Upgrading to a new iPhone every year may sound expensive, but one X user says his approach makes the cost manageable. Chirag Barjatya claims he has upgraded annually from the iPhone X to the iPhone 17 Pro by combining no-cost EMI with the exchange value of his previous device.

Barjatya described the arrangement as being "almost like a lease model", saying the combination allows him to spread payments over time while replacing his phone before its resale value falls too sharply.

In a post on X, Chirag Barjatya wrote, "From the iPhone X to the iPhone 17 Pro, I've upgraded every year using no-cost EMI, exchanging my old phone for around 60-70% of its purchase price.

"For me, it works almost like a lease model. I pay...