Personal Loans from ₹20,000 to ₹40 Lakh
Check balance now – clear overdue before it grows
T&C apply. Outstanding balance includes principal, interest, and overdue charges.
Why checking your loan balance matters
Spot overdue amounts early
Regularly checking your loan balance helps you catch a missed or returned EMI before it turns into a bigger problem. If a payment has failed for any reason, your balance and overdue status will reflect this. Spotting it early means you can clear the amount quickly, before late fees and penal interest add up further.
Plan prepayment or foreclosure
Knowing your exact outstanding balance helps you plan ahead if you want to make a part-prepayment or close your loan early through foreclosure. Reducing your outstanding principal can lower the total interest you pay over the loan tenure. Checking your balance regularly gives you the clarity needed to make these decisions confidently.
How to check your personal loan balance: Step by step
Via the Bajaj Finance app
Log in to the Bajaj Finance app using your registered mobile number and OTP. Go to your loan section and select your personal loan account. Here, you can view your outstanding balance, utilised limit, next EMI due date, and repayment schedule, all updated in real time.
Via My Account on the web
Visit the Bajaj Finance My Account portal and sign in with your registered mobile number and OTP. Go to the 'Your relations' section, select your personal loan, and view your balance details. From here, you can also download your loan statement or check whether any amount is showing as overdue.
What your outstanding balance includes
Your outstanding balance is not just the amount you originally borrowed minus what you have repaid. It can include a few different components, depending on your repayment status.
| Component | What it means |
|---|---|
| Remaining principal | The portion of the borrowed amount not yet repaid |
| Accrued interest | Interest calculated on the outstanding principal |
| Overdue EMI, if any | Any missed instalment not yet cleared |
| Penal charges, if any | Charges applied for late or missed payments |
Reviewing your loan statement alongside your balance gives you the full picture of what you owe and why.
Understanding overdue balance and how to clear it
An overdue balance appears when an EMI has not been paid by its due date. This could be due to insufficient funds, a lapsed NACH mandate, or another payment issue. The overdue amount typically includes the missed EMI along with any applicable penal charges, and it continues to add up the longer it remains unpaid.
To clear it, log in to the Bajaj Finance app or My Account portal, go to your loan account, and select the option to pay the overdue or missed instalment. Complete the payment using your preferred method. Clearing overdue amounts promptly helps you avoid further charges and protects your credit score, since unresolved overdue payments can be reported to credit bureaus.
Other ways to check your loan balance
If you are unable to access the app or portal, Bajaj Finance offers a few additional ways to check your balance:
- Customer care: Call Bajaj Finance customer care and follow the IVR instructions to reach loan services, where you can verify your identity and request your balance
- Branch visit: Visit your nearest Bajaj Finance branch and speak to a representative for assistance
- Loan statement: Download your statement from My Account or the app for a detailed breakdown of your balance and payment history
These options are useful if you need your balance details without internet access.
Tips to manage your loan balance effectively
- Check your balance regularly, ideally around your EMI due date
- Download your loan statement periodically to track your repayment progress
- Set up reminders or notifications through the app to avoid missing due dates
- Clear any overdue amount as soon as possible to limit further charges
- Consider a part-prepayment if you have surplus funds and want to reduce your interest cost
Building these habits helps you stay in control of your loan and avoid unnecessary costs.
Essential Bajaj Finance Service Guides & Support
Frequently Asked Questions
Balance Check Basics
Overdue & Repayment
How do I check my personal loan outstanding balance in Bajaj Finance?
Log in to the Bajaj Finance My Account portal or app using your registered mobile number and OTP. Go to your loan section, select your personal loan, and view your outstanding balance, next due date, and repayment schedule instantly.
Where can I see my remaining loan balance online?
You can view your remaining loan balance through the Bajaj Finance My Account portal on the website or the Bajaj Finance app. Both platforms show your outstanding balance, utilised limit, and EMI schedule once you log in with your registered mobile number.
What does 'outstanding balance' include in a personal loan?
Your outstanding balance typically includes the remaining principal amount and any accrued interest not yet paid. It may also include applicable charges, such as overdue amounts or penal interest, if any payments have been missed. Check your statement for a full breakdown.
What does 'overdue balance' mean in my personal loan account?
An overdue balance refers to any EMI or instalment that was due but has not been paid by its due date. It may include the missed EMI amount along with applicable penal charges, and it continues to accrue until cleared.
How do I pay my overdue personal loan EMI?
Log in to the Bajaj Finance app or My Account portal, go to your loan account, and select the overdue or missed instalment option. Choose your payment method and complete the transaction to clear the amount and avoid further charges.
Will overdue balance affect my credit score?
Yes, an overdue balance that remains unpaid can be reported to credit bureaus and may lower your credit score. Clearing overdue amounts promptly helps limit the impact and supports a healthier repayment record over time.
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