बजाज फिनसर्व EMI भुगतान का स्टेटस

EMI or equated monthly instalment is a planned and systematic repayment option that allows you to repay your debts in small monthly instalments. An EMI usually comprises both the principal and the interest amount. It’s a pre-defined amount that gets auto-debited from your bank account on a pre-set date.
In case you fail to pay your EMI on its due date, it will have a negative impact on your CIBIL Score. You’ll be also asked to pay additional penal charges when you clear your overdue EMIs.
It is important to keep track of your EMI amount and its due date beforehand to ensure that you have sufficient funds in your bank account. You can check all these details by visiting our customer portal – My Account. You’ll find your EMI amount, and its due date and even download your account statement to stay updated with your repayment status.

You can check your EMI amount, its due date and much more by visiting our customer portal.

Step 1: Click on the ‘Sign-in’ button on this page to go to My Account.
Step 2: Enter your registered mobile number and date of birth and submit the OTP to sign-in.
Step 3: Click on ‘View All’ next to the ‘My Relations’ section.
Step 4: Select the loan account for which you want to view details.
Step 5: Find loan details such as EMI amount, due date, and more.

You can also keep track of your loan EMI payment status with your statement of account. Follow these steps to download your loan account statement.

Step 1: Click on the ‘Sign-in’ button on this page to visit My Account.
Step 2: Enter your registered mobile number and date of birth and submit the OTP to sign-in.
Step 3: Select the loan account from ‘My Relations’
Step 4: Click on the ‘Statements’ option within the ‘Quick Actions’ section.
Step 5: Click on the ‘Statement of Account’ to download it.

Repaying your loan EMIs without delay has a host of benefits. Here’s the list of benefits of paying EMIs on time.

1. Improves your CIBIL Score
   CIBIL Score or credit score is a three-digit number that summarises your creditworthiness. One of the easiest ways to maintain and improve this score is regular EMI payments. If there’s any delay in your loan repayment, your CIBIL Score might be impacted negatively.
   Hence, ensuring regular EMI payments improves your CIBIL Score and better your chances of securing a loan in future with favourable terms and conditions.
   
2. Improved debt management
   The monthly instalments are designed to lower the financial burden of a borrower. They’re set up in a way that won’t exceed your financial means and put you in a tough spot. Moreover, lenders also provide a loan amortisation schedule that offers a detailed breakup of EMIs.
   You can then select a loan tenure as per your financial capabilities, resulting in efficient debt management.
   
3. Create a strong relationship with your lender
   Financial institutions always prefer responsible borrowers as they lower the lending risk. Therefore, paying EMIs on time and without disruption projects you as a responsible individual and helps you maintain a good relationship with your lender.

This will also result in getting better loan offers with competitive interest rates.

When you borrow any loan from us, you usually repay it in small monthly instalments. This monthly instalment gets auto-debited on a pre-set date from your registered bank account. However, our customer portal – My Account offers you a host of payment options to manage your EMIs.

You can pay an EMI in advance, part-prepay, or foreclose your loan or clear your overdue instalments by following these steps.

Step 1: Click on the ‘Sign-in’ button on this page to go to My Account.
Step 2: Enter your mobile number and date of birth and submit the OTP to sign-in.
Step 3: Select the loan account from the My Relations section.
Step 4: Click on the ‘Make Payments’ within ‘Quick Actions’
Step 5: Choose the payment option from the list and proceed.
Step 6: Enter the required details, review additional charges if applicable and proceed to pay with our secured payment getaway.