How to Check Pending EMIs for a Loan Against Securities

Checking pending EMIs for a Loan Against Securities helps you verify payment status, identify overdue instalments and understand the amount you need to pay. Review your loan account before making another payment, especially when your bank statement and loan records show different information.

• Sign in to the Bajaj Finance My Account portal or app to review your Loan Against Securities repayment details.
• Check your EMI due date, scheduled instalment amount, payment status, outstanding dues and applicable charges.
• Compare your bank statement and loan account history, before paying an instalment that still appears pending.
• For example, if your scheduled EMI is Rs. 12,000 and your bank statement shows a successful debit of Rs. 12,000, verify the transaction before paying again. These figures illustrate a hypothetical payment, not an actual loan term.
• Pay confirmed outstanding dues through an authorised channel and retain the transaction reference.
• Contact Bajaj Finance through an official support channel if the payment status remains incorrect.

Check pending EMIs to confirm whether you have paid each instalment and to identify any amount that remains due. Regular reviews also help you recognise payment failures and understand the charges that apply to your loan. A missed EMI can leave your account overdue. Bajaj Finance can apply charges according to your applicable loan agreement and fee schedule. Delayed repayment can also affect your credit record if the lender reports the delay to credit information companies under applicable requirements. Check your account before the scheduled due date and after each payment. If your bank statement shows a successful debit but your loan account still shows a pending instalment, verify the transaction before paying again. Keep the bank debit confirmation and transaction reference so you can explain the discrepancy to Bajaj Finance. Your Loan Against Securities agreement also sets out your repayment obligations and the terms relating to the securities you pledge. Review those terms if you face difficulty paying an instalment. Do not assume that a payment delay or a request for assistance changes your repayment obligations.

How can you check pending Loan Against Securities EMIs online?

You can check your Loan Against Securities repayment details through the Bajaj Finance My Account portal or app, where the available account options allow you to review your loan information and payment history.

Follow these steps:

1. Sign in: Open the Bajaj Finance My Account portal or app. Enter your registered mobile number and complete one-time password (OTP) verification.
2. Select your loan: Open My Relations or Your Relations, depending on the option displayed, and select your Loan Against Securities account.
3. Review repayment details: Open the available loan details or Statement of Account option to review your instalments and recorded payments.
4. Identify pending instalments: Compare the scheduled instalments with your recorded payments. Check the due date and transaction status for each instalment.
5. Review the amount payable: Check the outstanding dues and any applicable charges displayed in your account.

Keep your bank statement and payment confirmations available while you check your loan records. If the portal or app does not display the required information, contact Bajaj Finance through an official support channel.

Which details should you check in your Loan Against Securities account?

Review the instalment amount, due date, payment status and outstanding balance to understand whether you need to take action. Check the following details before making another payment.

• EMI due date: Confirm the scheduled date for the instalment.
• EMI amount: Check the amount due for the relevant repayment period.
• Payment status: Read the status displayed against the instalment. A pending label alone does not confirm whether a bank transaction succeeded.
• Payment history: Compare the entries in your loan account with your bank statement and payment confirmations.
• Outstanding amount: Check the dues that remain payable on your account.
• Applicable charges: Review the charges shown in your account and compare them with your loan agreement and applicable fee schedule.

For example, suppose your loan account shows an EMI of Rs. 12,000 as pending, but your bank statement records a successful debit of Rs. 12,000. Check the transaction date, payment reference and status before taking further action. Do not pay the same instalment again until you verify whether Bajaj Finance received the first payment. 

If the bank reversed the debit or the payment failed, check the amount still due and follow the authorised payment instructions. Retain the transaction reference for any service request.

A pending EMI is an instalment that your account marks as awaiting payment or payment confirmation. An overdue EMI is an instalment that you have not paid by its scheduled due date. Because account labels can vary, check the due date and transaction history rather than relying on the status label alone.

Check the transaction record and due date to establish the correct status. If you have already paid the instalment, verify the payment before making another transaction.

What charges can apply if you miss a Loan Against Securities EMI?

Bajaj Finance can apply charges for a missed instalment or failed payment when the applicable loan terms provide for them. The amount depends on the terms and fee schedule that apply to your account, so check your loan agreement and the official Bajaj Finance fees and charges schedule before relying on a figure. The published Loan Against Securities fee information includes bounce charges for certain failed payment transactions and penal charges for delayed instalments. Do not assume that one charge amount or rate applies to every Loan Against Securities account. Check the charges shown against your loan and confirm any difference with Bajaj Finance.

What should you do if your Loan Against Securities EMI remains unpaid?

If your loan account shows an unpaid EMI, confirm the amount due and resolve the payment issue through an authorised channel. Follow these steps to avoid duplicate payments and maintain a clear record.

1. Confirm the amount payable: Review the unpaid EMI and any applicable charges shown in your loan account.
2. Check your bank records: Verify whether your bank processed the payment or recorded a failed or reversed transaction.
3. Pay confirmed dues: If the EMI remains unpaid, follow the payment instructions available through an authorised Bajaj Finance channel.
4. Save the confirmation: Retain the receipt, transaction reference, date and amount.
5. Check your loan account again: Verify that the account reflects the payment correctly.
6. Raise a service request: If the payment does not appear or the account shows an incorrect amount, contact Bajaj Finance through an official support channel and provide the transaction details.

A failed auto-debit does not cancel your repayment obligation. If you cannot pay the outstanding amount in full, contact Bajaj Finance to understand the available next steps. Do not assume that a support request automatically pauses charges or changes your repayment schedule.