How to Check Pending EMIs Online

You can check a pending EMI by signing in to the Bajaj Finance App or My Account and opening your loan details, where the EMI amount, due date and any pending or overdue amount are shown. Check the amount there before you pay, and do not pay again if an earlier payment has not yet reflected.

• A pending EMI is one you still need to pay. An overdue EMI remains unpaid after its due date.
• Pay the pending or overdue amount shown, not the outstanding balance.
• If a payment does not reflect, check your confirmation and statement before paying again.
• Keep your payment confirmation and transaction reference.

Tip: Never share your OTP with anyone, including callers who say they are from Bajaj Finance. Pay only through the Bajaj Finance App, My Account or other official channels. Paying the same EMI twice can lead to an excess payment, so check your loan account first.

A pending EMI is an instalment that you still need to pay, while an overdue EMI is one that remains unpaid after its due date. An EMI due next week is pending but not yet overdue. An EMI you missed last month is both pending and overdue. Knowing which one you have tells you how urgent the payment is.

How to check pending EMIs in the Bajaj Finance App or My Account

You can check a pending EMI by signing in to the Bajaj Finance App or My Account and opening the loan details for the relevant loan.

1. Open the Bajaj Finance App or visit My Account.
2. Sign in with your registered mobile number and the OTP sent to it.
3. Go to [Service section] and select the loan under [Your Relations].
4. Open the loan details or statement section.
5. Read the EMI amount, due date and repayment status shown for the loan.

The options shown can vary by loan. If you paid recently, compare the details with your payment confirmation before you pay again.

What details can you check in your loan account?

Your loan account shows the EMI amount, due date, payments recorded and any pending or overdue amount, depending on your loan.

The outstanding balance is the total remaining on the loan, so it is not the amount you need to pay now. Use the pending or overdue amount to decide what to pay.

You can pay a pending or overdue EMI online by choosing the loan payment option for your loan and paying the amount shown as due.

1. Sign in to My Account or the Bajaj Finance App.
2. Open your loan under [Your Relations].
3. Select [Make loan payments].
4. Choose [Missed instalments or Other overdues] to see the amount due, where this option is shown.
5. Review the amount and choose a payment method from those shown.
6. Complete the payment and wait for the confirmation.
7. Save the confirmation or transaction reference.

Payment methods can vary by loan. If your EMI is set for auto-debit, a manual payment and a delayed auto-debit can both go through, so check the date and status before you pay manually.

What happens if a pending EMI stays unpaid?

An EMI that stays unpaid becomes overdue after its due date, and penal charges and credit reporting may follow. The charges that apply depend on your loan agreement, so check your loan account or schedule of charges for the amount. An overdue EMI may be reported to credit bureaus, which can affect your CIBIL Score. If you expect difficulty paying, contact Bajaj Finance through an official channel before the due date.

What to do if your payment is not reflected

If an EMI still shows as pending after you paid, compare your payment confirmation with your loan statement before you pay again.

1. Check the payment reference or confirmation message.
2. Open the loan statement and look for the payment.
3. Confirm that you paid towards the correct loan account.
4. Check the current status shown for the loan.
5. If the payment is still missing, raise a service request through [official support route] and quote your reference number.

Do not pay the same EMI again until you have checked. If your bank has debited the amount, keep the debit message. Our EMI payment status guide explains how to read your status.