Missed Car Loan EMI Over 90 Days: What Happens Next

When your car loan EMI remains unpaid for a prolonged period, the account may be classified as a non-performing asset (NPA). This classification is a standard industry practice used by lenders to identify accounts with prolonged non-payment and increased repayment risk. At this stage, the delay is formally reported to credit bureaus, and your repayment history reflects a serious default.

 This can lead to a noticeable drop in your CIBIL score, making it more difficult to access loans or credit facilities in the future. Alongside this, the overdue amount continues to rise due to accumulated interest, late payment charges, and other applicable fees. Lenders may also begin structured recovery actions as outlined in the loan agreement. This can include follow-ups, formal communication, or notices regarding the outstanding dues. While these steps follow a defined process, the financial and credit impact continues to grow over time. Taking timely action at this stage can help reduce further charges and limit additional consequences.

Key consequences after 90 days of missed EMIs

After 90 days of non-payment, multiple aspects of your loan and credit profile are affected. 

These changes continue until the overdue amount is cleared or resolved.

What to do immediately after missing EMIs for 90 days

Once your car loan crosses 90 days overdue, it becomes important to act without further delay. At this stage, the impact on your loan account and credit profile has already increased, and timely action can help prevent additional charges and further escalation. 

You can take these necessary steps:

• Check your total overdue amount, including charges
• Make a partial or full payment based on your ability
• Review your repayment history and pending EMIs
• Stay responsive to lender communication
• Avoid further delay, as it increases overall liability

Taking proactive steps at this stage helps you regain better control over your loan. Even a partial payment reflects repayment intent and can help reduce the growing overdue amount, making it easier to manage your obligations going forward. 

If your EMIs are overdue, checking your dues and making a payment at the earliest can help you manage the situation more effectively. Bajaj Finance offers a simple My Account platform to view your loan details and complete your repayments.

Follow these steps:

1. Sign in using your registered mobile number and OTP
2. Enter your date of birth if prompted for identity verification
3. Go to your loan account under “Your relations”
4. Select “Make loan payments” and choose “Missed instalments/other overdues”
5. Check the total overdue amount, including applicable charges
6. Select a repayment option based on your requirement
7. Complete the payment using UPI, net banking, or debit card
8. Download the payment receipt for your records

Using the platform regularly helps you stay informed on your loan status and avoid further delays. Timely payments can reduce additional charges and support better control over your repayment journey.

Can your vehicle be repossessed after 90 days

Vehicle repossession can happen if your car loan EMIs continue to be unpaid for a long time, including beyond 90 days. However, it is not done immediately. The lender follows a proper process as per your loan agreement. You are usually informed before any such action is taken, and fair recovery practices are followed. This gives you time to understand your dues and take action. If you make payments towards the overdue amount or stay in touch with the lender, you may be able to avoid further steps. Acting early can help reduce extra charges, limit the impact on your credit profile, and prevent the situation from becoming more difficult to manage.