Missed Personal Loan EMI for More Than 90 Days? Act Before NPA Classification (Create the H1 below content (maximum 140 characters) that accurately summarises the page and naturally includes the primary keyword.)

The 90-day mark isn't a deadline you're allowed to use, it's the point at which regulatory consequences typically apply, your credit history and the charges on your account are already affected well before that, from the very day your EMI first becomes overdue.

• Your credit report doesn't wait for day 90 to notice. Reporting can begin as soon as an EMI becomes overdue, treating 90 days as some kind of safe window before anything happens is a real misconception worth correcting
• NPA classification and overdue status are related but distinct. Your account can be genuinely overdue and accumulating consequences long before it technically crosses into NPA territory
• A partial payment reduces the balance, not necessarily the problem. Check what's actually still outstanding after any partial payment, rather than assuming it resolves the overdue status entirely
• Clearing your dues stops the bleeding, it doesn't erase the wound. Your score won't necessarily bounce back immediately, and the historical record of the delay can remain part of your credit file even after you're caught up

If your personal loan EMI has been overdue for any length of time, don't wait for the 90-day mark to act, check your current outstanding amount through My Account and clear it as soon as you're able, since both your credit history and your charges are already accumulating well before that point.

A personal loan is generally considered overdue when a scheduled EMI or other payable amount remains unpaid after its due date. When the overdue period extends for prolonged duration, the loan account may meet the applicable regulatory conditions for classification as a non-performing asset (NPA), depending on the type of loan and applicable rules. The 90 days is measured from the date an amount became due and remained unpaid, rather than simply from the date of the last EMI payment. During this period, the account can continue to show overdue status, and the repayment delay may be reported to credit information companies according to applicable reporting requirements. Continued non-payment may also result in applicable charges and further repayment or recovery communication under the loan terms. Borrowers with an overdue personal loan should check the current outstanding amount and account status through an authorised channel and address pending dues promptly to prevent further progression of the account.

What are the consequences of missing a personal loan EMI for more than 90 days?

Missing personal loan EMIs for prolonged period can lead to serious repayment and credit-related consequences. The account may be treated as a non-performing asset (NPA) when the applicable regulatory conditions for NPA classification are met. Prolonged non-payment can also result in additional applicable charges, credit bureau reporting and further recovery measures as per the loan terms and applicable process.

• Overdue status: Unpaid EMIs remain overdue until the applicable outstanding amount is cleared or otherwise resolved.
• NPA classification: A loan account may be classified as an NPA when the applicable regulatory criteria for overdue payments are met, including the prescribed period of more than 90 days for relevant loan facilities.
• Credit bureau reporting: Prolonged overdue payments may be reported to credit information companies, which can affect your credit history and future access to credit.
• Additional charges: Applicable charges may accrue on overdue amounts according to the loan agreement and prevailing terms.
• Repayment communication: You may receive reminders or other repayment-related communication regarding the overdue amount.
• Recovery process: Continued non-payment may lead to further recovery action in accordance with the loan agreement and applicable laws and procedures.
• Future borrowing: A prolonged overdue record can make future credit applications more difficult, depending on the lender's assessment and your overall credit history.

If your personal loan EMI has remained unpaid for more than 90 days, check the current overdue amount and loan account status through an authorised channel. Taking timely action can help you understand the outstanding dues and available repayment options before the account progresses further through the applicable recovery process.

What charges can apply when personal loan EMIs remain unpaid?

Missed personal loan EMIs can result in applicable late payment or penal charges, which may increase the total amount required to regularise the loan account. The charges applicable to an overdue account depend on the loan agreement and the lender's applicable schedule of charges.
 

The exact amount payable can vary between loan accounts and should not be assumed from a standard percentage or fixed charge. Before making a repayment, check the latest dues and applicable charges through an official lender channel. Retain the payment confirmation and review the loan account after the payment is processed.

Overdue personal loan payments can be cleared online by checking the current amount due and using an available payment option through the Bajaj Finance App or My Account. Before making the payment, review the overdue amount and loan account status to ensure you are paying the latest amount payable.

Follow these steps:

1. Open the Bajaj Finance App or My Account and sign in using your registered mobile number and OTP.
2. Go to My Relations and select the relevant personal loan account.
3. Check the current overdue amount, EMI details and loan account status.
4. Select the available option for making the loan payment.
5. Choose an available payment method and complete the transaction.
6. Check the payment status after completing the transaction.
7. Save the payment receipt or transaction reference for your records.
8. Review your loan account or statement after processing to confirm that the overdue amount has been updated.

The payment options and account details displayed may vary based on your loan account and available servicing options. If the overdue amount continues to appear after payment, retain the transaction details and raise a service request through the available support channel.

Does a personal loan become an NPA after 90 days?

A personal loan may be classified as an NPA when principal or interest remains overdue for prolonged duration, subject to the applicable prudential norms. RBI's framework identifies loans other than revolving facilities as NPA when the principal or interest payment, or any other amount wholly or partly overdue, remains unpaid for more than 90 days.

The progression of overdue status can be understood as follows:

The 90-day threshold is not permission to delay payment until that point. Taking action earlier can help prevent the account from progressing further into delinquency.

How does missing EMIs for 90 days affect CIBIL?

Missing personal loan EMIs can negatively affect your CIBIL record because repayment behaviour forms part of your credit history. The impact can begin before 90 days because an EMI becomes overdue from its applicable due date and may be reported by the lender according to its credit reporting process. A prolonged overdue period can indicate a sustained repayment issue to prospective lenders and may affect your ability to obtain credit in the future. However, the actual lending decision depends on the lender's assessment and other factors. If you have cleared overdue payments, keep the payment confirmation and transaction details, check your loan account for the updated repayment status, and review your CIBIL report after the relevant reporting cycle. If the information reported is inaccurate, you can raise a dispute through the appropriate channel. Making a payment does not automatically remove earlier repayment history, as credit reports may retain applicable historical repayment information reported by lenders.