3 min
14-April-2025
Managing your investments wisely can open up flexible financial opportunities—one of them being a Loan Against Securities (LAS). This type of loan allows you to unlock the value of your shares, mutual funds, or bonds without selling them. But just like any other credit facility, timely repayment is key. That’s where the Loan Against Securities EMI Due Date becomes crucial. This due date marks the day by which you must repay your monthly installment to avoid late fees, maintain your credit score, and keep your investments secure. Missing the EMI due date can result in penalties, interest hikes, or even the liquidation of your pledged securities. Whether you're planning short-term liquidity or funding a larger goal, knowing your EMI schedule helps you stay financially disciplined. In this article, we’ll break down everything you need to know about LAS EMI due dates—how they work, how to track them, and why they matter.
When you avail a Loan Against Securities, you pledge your financial assets—such as shares, mutual funds, bonds, or other market-linked instruments—as collateral. In return, you receive a sanctioned loan amount. This loan is then repaid in EMIs over a predetermined tenure. The EMI due date is set by the lending institution at the beginning of the loan period and remains constant throughout the tenure unless renegotiated.
The EMI due date plays a critical role in maintaining the financial health of the borrower. Timely repayment helps avoid late payment charges, penalties, and an increase in interest rates. More importantly, consistent EMI payments protect the pledged securities from being liquidated by the lender in case of default.
Moreover, missing your EMI due date can negatively impact your credit score, which in turn may affect your eligibility for future loans or credit facilities. Therefore, it is vital to stay informed about your due dates and set up reminders or auto-debit instructions to ensure timely payments.
Lenders often provide digital platforms or mobile apps where borrowers can easily track their EMI schedule and receive due date alerts. Some financial institutions even offer a grace period, but it is advisable not to rely on it frequently.
In essence, the Loan Against Securities EMI Due Date is not just a calendar reminder—it is a crucial financial responsibility that ensures uninterrupted access to credit while safeguarding your investments.
Loan agreement document
At the time of loan disbursal, lenders provide a detailed loan agreement that clearly mentions the EMI schedule, including the start date, EMI amount, and monthly due date.
Loan statement or repayment schedule
Most lenders issue a repayment schedule along with the loan sanction letter. This document outlines all future EMI dates and amounts. You can also request this from your lender at any time.
Net banking or mobile banking app
If your lender offers online banking facilities, you can log in to their portal or app to view your active loans. Navigate to the loan section to find EMI due dates, outstanding balance, and transaction history.
Customer care services
You can contact the lender’s customer support through phone, email, or chat services. By providing your loan account number, the representative can share your next EMI due date and other loan details.
Loan account statement via email
Many financial institutions send monthly loan account statements to your registered email ID. These statements usually include your EMI due date and any pending dues.
SMS and email alerts
Most lenders send timely SMS or email reminders a few days before the EMI due date to help you stay on track.
Auto-debit mandate
If you’ve set up auto-debit from your bank account, the debit date typically matches your EMI due date. You can check your bank statements to confirm this.
Keeping track of your EMI due date ensures financial discipline and protects your pledged securities from unnecessary risk.
Avoids late payment penalties
Missing your EMI due date may attract late payment charges or penalties, increasing your overall loan burden. Staying updated helps you avoid unnecessary financial strain.
Protects your credit score
Timely EMI payments are reported to credit bureaus. Regular delays or missed payments can negatively impact your credit score, affecting your eligibility for future loans and credit cards.
Prevents liquidation of securities
In the case of repeated EMI defaults, lenders may sell the pledged securities (like shares or mutual funds) to recover the loan. Knowing your due date helps you avoid such drastic actions.
Maintains financial discipline
Being aware of your EMI schedule encourages financial discipline, helping you plan your monthly budget more effectively and prioritize essential payments.
Ensures peace of mind
Keeping track of your due date reduces stress and prevents last-minute hassles or missed payments. You can schedule timely transfers or enable auto-debit to streamline the process.
Avoids accumulated interest
Missing an EMI can lead to additional interest being charged on the outstanding amount. This compounding interest can significantly increase your repayment liability over time.
Protects relationship with lender
Regular and timely repayments foster trust and goodwill with your lender, which can be beneficial when you seek top-up loans, renegotiation of terms, or future financial assistance.
Simplifies financial planning
Knowing when your EMIs are due helps you align other financial commitments accordingly, ensuring you have adequate funds in your account when needed.
Enables use of digital tools
When you’re aware of your due date, you can set up reminders, use budgeting apps, or activate SMS alerts for better financial management.
Understanding and tracking your LAS EMI due date is a small effort with a big impact—it keeps your finances healthy and your investments safe.
Set up auto-debit instructions
Link your bank account with your loan for auto-debit. This ensures your EMI is paid automatically on the due date without manual intervention.
Use digital portals for monitoring Regularly log in to check your loan details, EMI schedule, and due dates through Bajaj Loan Details Login to stay informed and plan ahead.
Maintain sufficient account balance
Ensure you maintain enough balance in your linked bank account a day before the EMI due date to avoid transaction failures or late fees.
Activate reminders
Set up reminders on your phone or calendar a few days before your EMI is due. Many banking apps and lenders also offer SMS and email alerts.
Use flexible payment options Learn how to pay EMI online using net banking, UPI, debit cards, or mobile wallets for easy and convenient repayment.
Review EMI schedule regularly
Keep a copy of your EMI schedule and cross-check it monthly to ensure everything is on track and there are no discrepancies.
Plan monthly budget around EMI dates
Prioritize your EMI in your monthly budget to ensure timely payments without affecting your other expenses.
Consistently following these tips will help you avoid late fees, maintain your credit score, and ensure uninterrupted access to credit.
What is a loan against securities EMI due date?
A Loan Against Securities (LAS) EMI Due Date refers to the specific date each month by which a borrower must repay the Equated Monthly Installment (EMI) towards their LAS. An EMI is a fixed payment amount made by the borrower to the lender on a regular basis, which includes both the interest and a portion of the principal loan amount.When you avail a Loan Against Securities, you pledge your financial assets—such as shares, mutual funds, bonds, or other market-linked instruments—as collateral. In return, you receive a sanctioned loan amount. This loan is then repaid in EMIs over a predetermined tenure. The EMI due date is set by the lending institution at the beginning of the loan period and remains constant throughout the tenure unless renegotiated.
The EMI due date plays a critical role in maintaining the financial health of the borrower. Timely repayment helps avoid late payment charges, penalties, and an increase in interest rates. More importantly, consistent EMI payments protect the pledged securities from being liquidated by the lender in case of default.
Moreover, missing your EMI due date can negatively impact your credit score, which in turn may affect your eligibility for future loans or credit facilities. Therefore, it is vital to stay informed about your due dates and set up reminders or auto-debit instructions to ensure timely payments.
Lenders often provide digital platforms or mobile apps where borrowers can easily track their EMI schedule and receive due date alerts. Some financial institutions even offer a grace period, but it is advisable not to rely on it frequently.
In essence, the Loan Against Securities EMI Due Date is not just a calendar reminder—it is a crucial financial responsibility that ensures uninterrupted access to credit while safeguarding your investments.
How to check your loan against securities EMI due date?
Staying updated on your Loan Against Securities (LAS) EMI due date is essential to ensure timely repayments and avoid penalties. Here are some effective ways to check your EMI due date:Loan agreement document
At the time of loan disbursal, lenders provide a detailed loan agreement that clearly mentions the EMI schedule, including the start date, EMI amount, and monthly due date.
Loan statement or repayment schedule
Most lenders issue a repayment schedule along with the loan sanction letter. This document outlines all future EMI dates and amounts. You can also request this from your lender at any time.
Net banking or mobile banking app
If your lender offers online banking facilities, you can log in to their portal or app to view your active loans. Navigate to the loan section to find EMI due dates, outstanding balance, and transaction history.
Customer care services
You can contact the lender’s customer support through phone, email, or chat services. By providing your loan account number, the representative can share your next EMI due date and other loan details.
Loan account statement via email
Many financial institutions send monthly loan account statements to your registered email ID. These statements usually include your EMI due date and any pending dues.
SMS and email alerts
Most lenders send timely SMS or email reminders a few days before the EMI due date to help you stay on track.
Auto-debit mandate
If you’ve set up auto-debit from your bank account, the debit date typically matches your EMI due date. You can check your bank statements to confirm this.
Keeping track of your EMI due date ensures financial discipline and protects your pledged securities from unnecessary risk.
Why is it important to know your EMI due date?
Knowing your Loan Against Securities (LAS) EMI due date is more than just a good financial habit—it’s a critical aspect of managing your loan efficiently. Here are key reasons why staying informed about your EMI due date is important:Avoids late payment penalties
Missing your EMI due date may attract late payment charges or penalties, increasing your overall loan burden. Staying updated helps you avoid unnecessary financial strain.
Protects your credit score
Timely EMI payments are reported to credit bureaus. Regular delays or missed payments can negatively impact your credit score, affecting your eligibility for future loans and credit cards.
Prevents liquidation of securities
In the case of repeated EMI defaults, lenders may sell the pledged securities (like shares or mutual funds) to recover the loan. Knowing your due date helps you avoid such drastic actions.
Maintains financial discipline
Being aware of your EMI schedule encourages financial discipline, helping you plan your monthly budget more effectively and prioritize essential payments.
Ensures peace of mind
Keeping track of your due date reduces stress and prevents last-minute hassles or missed payments. You can schedule timely transfers or enable auto-debit to streamline the process.
Avoids accumulated interest
Missing an EMI can lead to additional interest being charged on the outstanding amount. This compounding interest can significantly increase your repayment liability over time.
Protects relationship with lender
Regular and timely repayments foster trust and goodwill with your lender, which can be beneficial when you seek top-up loans, renegotiation of terms, or future financial assistance.
Simplifies financial planning
Knowing when your EMIs are due helps you align other financial commitments accordingly, ensuring you have adequate funds in your account when needed.
Enables use of digital tools
When you’re aware of your due date, you can set up reminders, use budgeting apps, or activate SMS alerts for better financial management.
Understanding and tracking your LAS EMI due date is a small effort with a big impact—it keeps your finances healthy and your investments safe.
Tips to ensure timely payment of your loan against securities EMI
Timely EMI payments help you maintain a healthy credit profile and protect your pledged securities. Here are some practical tips to ensure you never miss a Loan Against Securities EMI:Set up auto-debit instructions
Link your bank account with your loan for auto-debit. This ensures your EMI is paid automatically on the due date without manual intervention.
Use digital portals for monitoring Regularly log in to check your loan details, EMI schedule, and due dates through Bajaj Loan Details Login to stay informed and plan ahead.
Maintain sufficient account balance
Ensure you maintain enough balance in your linked bank account a day before the EMI due date to avoid transaction failures or late fees.
Activate reminders
Set up reminders on your phone or calendar a few days before your EMI is due. Many banking apps and lenders also offer SMS and email alerts.
Use flexible payment options Learn how to pay EMI online using net banking, UPI, debit cards, or mobile wallets for easy and convenient repayment.
Review EMI schedule regularly
Keep a copy of your EMI schedule and cross-check it monthly to ensure everything is on track and there are no discrepancies.
Plan monthly budget around EMI dates
Prioritize your EMI in your monthly budget to ensure timely payments without affecting your other expenses.
Consistently following these tips will help you avoid late fees, maintain your credit score, and ensure uninterrupted access to credit.
