Clear your overdue EMI
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*Overdue charges include penalty interest and bounce fees as applicable. T&C apply.
In Summary
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A Loan Against Securities EMI represents the interest payable on the amount you borrow against pledged securities. Paying your dues on time helps you avoid overdue amounts and applicable charges, while missed payments may affect your loan account. Bajaj Finance provides online repayment options through its authorised service channels.
- Sign in to Bajaj Finance My Account portal using your registered mobile number and one-time password (OTP) to access your loan details.
- Review your outstanding dues and repayment schedule before making a payment.
- Choose the appropriate option for missed interest payments, part-prepayment or full loan repayment, based on your requirement and the options available for your account.
- Verify the amount and payment details before authorising the transaction.
- Save the transaction reference and check your account to confirm the payment status.
- If a payment fails or your dues remain outstanding, contact Bajaj Finance through an official service channel.
Understand the difference between regular interest payments and principal repayment before proceeding. Review your loan terms and outstanding amount to choose the appropriate repayment option.
What is online EMI payment for a Loan Against Securities?
Online EMI payment lets you pay the amount due on your Loan Against Securities through an available digital payment option. A Loan Against Securities allows you to borrow against eligible investments, such as shares or mutual funds, that you pledge as collateral. Your repayment obligation depends on your loan agreement and repayment schedule. For some Loan Against Securities arrangements, the monthly instalment covers interest, while the principal follows the agreed repayment terms. Check your loan statement to confirm what you need to pay and when. Bajaj Finance provides online servicing options that let you review your loan details and access available repayment options. Sign in to My Account through the official Bajaj Finance website or app. Check your amount due and choose the payment type that matches your requirement. After you pay, retain the transaction reference and check your loan account for the updated payment status.
How do you pay your loan against securities EMI online?
You can pay your Loan Against Securities instalment through the Bajaj Finance My Account service portal by following the steps below.
- Open My Account or app: Visit the official Bajaj Finance My Account portal or the app.
- Sign in: Enter your registered mobile number and verify your access with the OTP.
- Select your loan: Open the Service section and select your Loan Against Securities account under Relations.
- Open payment options: Select Make Loan Payments to view the repayment options available for your account.
- Choose the payment type: Select the option that matches your requirement, such as missed interest payment or part-prepayment.
- Verify the details: Check the amount due and provide any information the portal requests.
- Complete the payment: Follow the on-screen instructions and authorise the transaction through the available payment method.
Before you confirm the payment, check the loan account and amount carefully. Save the transaction reference or confirmation after you complete the transaction. Then review your loan account to check whether Bajaj Finance has reflected the payment.
Which payment option should you choose?
Choose the payment option that matches the repayment you want to make. Bajaj Finance displays the options available for your Loan Against Securities account.
| Payment option | When to choose it |
| Missed interest payment | Choose this option when you need to clear an interest instalment that you missed on its due date. |
| Part-prepayment | Choose this option when you want to repay part of your outstanding loan principal. |
| Full repayment or foreclosure | Check the options available for your account if you want to repay the outstanding loan and close the account before the scheduled end, subject to your loan terms. |
Review your loan statement and repayment schedule before you select an option. A missed interest payment clears an overdue instalment, while a part-prepayment reduces the principal when Bajaj Finance applies the amount towards principal. Do not select part-prepayment when you only intend to clear a missed instalment. Check the applicable terms and any charges before you make a part-prepayment or full repayment. If you cannot identify the correct option, contact Bajaj Finance through an official service channel before you proceed.
What should you check after paying online?
After you pay your Loan Against Securities instalment online, verify the transaction and check your loan account for the payment status. A debit in your bank account alone does not confirm that your loan account reflects the payment.
| What to check | Why it matters |
| Payment confirmation or transaction reference | Gives you a record to use if you need help with the transaction. |
| Bank account statement | Lets you check whether your bank account reflects the debit. |
| Loan account payment status | Helps you confirm whether your loan account reflects the payment. |
| Outstanding amount | Helps you identify any remaining dues after the payment. |
Keep your transaction reference until you confirm the payment status in your loan account. If your bank account shows a debit but your loan account does not reflect the payment, contact Bajaj Finance through an official service channel. Share the transaction reference and relevant payment details so the service team can review the discrepancy.
How can you avoid missed or incorrect payments?
You can reduce payment errors by checking your repayment schedule, preparing funds before the due date, and verifying each transaction.
- Track your due date: Review your repayment schedule and note the next payment date.
- Check the amount due: Use your loan account and statement to confirm the amount you need to pay.
- Select the correct option: Distinguish a missed interest payment from a part-prepayment.
- Use official channels: Sign in through the official Bajaj Finance My Account portal or app.
- Monitor automatic debits: Check your bank account to see whether the scheduled debit occurred.
- Keep transaction records: Save the payment confirmation and verify the status in your loan account.
If an automatic debit handles your instalment, maintain sufficient funds in your registered bank account before the due date. Check the transaction instead of assuming that the debit succeeded. If the debit fails, review your account for the overdue amount and available payment options, then follow the instructions that apply to your loan.
What happens if you miss a loan against securities EMI?
A missed payment can leave an overdue amount on your Loan Against Securities account. Bajaj Finance may apply charges under your loan agreement, and continued non-payment can lead to further action under the applicable terms. If you miss an instalment, sign in to My Account and check your outstanding dues. Review your loan statement to understand the amount due and any applicable charges. Select the relevant payment option and keep the transaction reference after you pay.
If you cannot meet the repayment obligation, contact Bajaj Finance through an official service channel to understand the options available under your loan terms. Contacting the service team does not automatically change your due date or remove your repayment obligation. A Loan Against Securities also carries risks linked to the value of your pledged investments. If their market value falls and creates a margin shortfall, Bajaj Finance may require you to repay the shortfall or provide additional acceptable collateral under the applicable terms. If you do not meet the requirement within the specified period, Bajaj Finance may take action against your pledged securities as permitted by the loan agreement. Check your account and respond promptly to any margin-related communication.
Frequently Asked Questions
Paying LAS EMI
Overdue LAS EMI
What should you do if your bank account shows a debit but your loan account does not show the payment?
Check your bank statement and save the transaction reference. Then review your Loan Against Securities account to see whether the payment status has changed. If your loan account still does not reflect the payment, contact Bajaj Finance through an official service channel and share the transaction details. Avoid making another payment until you clarify the status of the first transaction.
What should you do if your Loan Against Securities account does not appear in My Account?
Sign in using the mobile number registered with your loan account and complete OTP verification. Check the Relations section for your Loan Against Securities account. If you still cannot find the account, contact Bajaj Finance through an official service channel. Keep your loan details available so the service team can help you check account access.
What should you do if the online payment fails?
Check whether your bank account shows a debit and retain any transaction reference or error message. Review your loan account to confirm the outstanding amount and payment status. If the transaction failed without a debit, follow the available payment instructions. If the status remains unclear, contact Bajaj Finance before attempting another payment.
How does part-prepayment affect your Loan Against Securities?
Part-prepayment reduces your outstanding principal when Bajaj Finance applies the amount towards principal. The effect on your future repayment obligations depends on your loan terms. Before you proceed, check the applicable charges and payment conditions. Contact Bajaj Finance if you need clarification on how a part-prepayment will affect your account.
What should you do if you cannot afford your upcoming instalment?
Review your finances and contact Bajaj Finance through an official service channel before the due date. Explain your repayment difficulty and ask which options your loan terms permit. Do not assume that a service request, discussion or payment-date query changes your existing repayment obligation. Check your loan account for the amount due and any applicable charges.
What happens to your pledged securities after you repay the loan in full?
After you clear the outstanding loan and complete the applicable closure formalities, check your account for closure confirmation and the next steps for releasing your pledged securities. Bajaj Finance follows the applicable loan terms and release process. Keep your payment records and closure documents until you confirm that the loan has closed and the securities-release process has concluded.
How can you confirm that Bajaj Finance has closed your Loan Against Securities?
Check your loan account for the closure status and review the relevant closure documents. Confirm that the account no longer shows outstanding dues. If the account still shows an active status or an unexplained balance, contact Bajaj Finance through an official service channel. Keep your payment confirmations and loan statement available while the service team reviews the account.
Which documents should you keep after repaying your loan?
Keep your payment confirmations, transaction references, loan statements and applicable closure documents. These records help you verify transactions and resolve discrepancies. If you repay the loan in full, retain the closure confirmation and any documents relating to the release of your pledged securities. Check that the documents match your loan account before you discard any records.
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