To view your payment history
Check your EMI payment status
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. You’ll find your EMI amount, and its due date and even download your account statement to stay updated with your repayment status.
What does my Bajaj EMI status mean
Your Bajaj EMI status shows the current payment status of your loan account. Checking your EMI status regularly helps you understand whether your payments are on track and whether any action is needed.
Active
An Active status means your loan is running normally and your EMI schedule is ongoing. Continue making payments on time to keep your account updated.
Overdue
An Overdue status means one or more EMI payments have not been received by the due date. You can log in to check your pending amount and make the payment online. Clearing overdue instalments early can help reduce additional charges and keep your account on track.
Closed
A Closed status means your loan has been fully repaid and there are no pending dues on the account. You can continue to view your loan details and related documents through your account if available.
Checking your EMI status regularly can help you stay informed and manage repayments smoothly.
How to check your EMI payment 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 the services section
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 ‘Your 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 the Bajaj Finance customer portal
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 ‘Your relations’
Step 4: Click on the ‘Statements’ option within the ‘Quick Actions’ section.
Step 5: Click on the ‘Statement of Account’ to download it.
Benefits of paying your EMIs on time
Repaying your loan EMIs without delay has a host of benefits. Here’s the list of benefits of paying EMIs on time.
- 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. - 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. - 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.
This will also result in getting better loan offers with competitive interest rates.
How to repay your loan EMIs online?
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 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 the service section
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 Your 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.
Related EMI Payments, Loan Repayment and Account Management Guides
Frequently Asked Questions
EMI Status & Details
EMI Payment
Overdue Payment
Cibil Impact
How can I check my EMI due date?
You can check your EMI due date by following these steps:
- Click on the ‘Check your EMI due date’ option below to visit our customer portal.
- Enter your registered mobile number and submit the OTP to sign-in.
- Verify your details by entering your date of birth and proceed.
- Select the loan account from the ‘My Relations’ section.
- Find details such as EMI amount, due date, and more.
How can I check my EMI remaining?
You can check your remaining EMI by logging into your Bajaj Finance account through the app or website. Navigate to the ‘EMI details’ or ‘Loan Summary’ section, where you’ll find a breakdown of your outstanding payments, including the number of EMIs left.
How can I know my EMI amount?
To know your EMI amount, log in to your Bajaj Finance account using the mobile app or website. Access the ‘Loan Details’ or ‘EMI Schedule’ section, which provides detailed information about your monthly EMI amount, due dates, and payment history.
Can I pay an EMI after the due date?
Yes, you can pay your EMIs even after the due date. However, you’ll be charged with additional charges known as penal charges. If you’ve missed any of your loan EMIs, you can clear them by following these steps:
- Click on the ‘Pay your overdue EMIs’ option below to go to our customer portal.
- Enter your registered mobile number and the OTP to sign-in.
- Verify by entering your date of birth and proceed.
- Select your loan account with the overdue EMI
- Enter the required details, review the applicable penal charges, and proceed to pay using our secured payment getaway.
How can I pay an EMI using the Bajaj Finance app?
You can sign-in to our app, click on the main menu, and select the payment option you want to proceed with. You can then select your loan account, enter the required details, and proceed to make payment.
What will happen if I delay my Bajaj Finance EMI for one month?
If you delay your EMI payment by a month, you’ll be asked to pay an additional fee called penal charges. You have to pay these additional charges when you clear your overdue EMI. This might also have a negative effect on your CIBIL Score.
What does my EMI payment status show?
How long does a missed EMI stay on my credit report?
A missed monthly instalment remains visible in your credit bureau history for a period of up to seven years, as per credit information company practices. Even after you clear your overdue balance and reset your active Days Past Due counter to zero, the historical record of the delay remains visible to prospective lenders.
Does a delayed loan EMI affect my CIBIL score?
Yes, a delayed loan instalment impacts your CIBIL score negatively. Lenders report payment delays to credit bureaus once the due date passes. This creates an active Days Past Due entry on your record, causing an immediate drop in your score and signaling high risk to future financial institutions.
How does CIBIL score impact future loan eligibility?
A lower CIBIL score indicates high repayment risk, leading financial institutions to reject new application requests. Conversely, a healthy score satisfies internal credit filters, unlocking quick approvals, higher loan values, and better repayment terms. Maintaining an untarnished record ensures unhindered access to credit cards, home loans, and personal financing.
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