You do not need any documents to check your overdue status online, just your registered mobile number and a few minutes. Log in to My Account or the Bajaj Finance app using OTP verification, and your current overdue amount, along with the specific missed EMI, is displayed clearly on your loan summary screen. If you are checking through customer care or a branch instead, keep your loan account number and a valid ID handy to speed up verification. This straightforward process means you can confirm exactly what you owe before making a payment, avoiding any confusion between your regular EMI and any overdue amount that may have built up.
Other ways for personal loan delayed and missed payment
Besides checking online, you have a few other options to confirm your overdue status:
- Customer care: Call Bajaj Finance customer care and provide your registered mobile number or loan account number for verification
- Branch visit: Visit your nearest Bajaj Finance branch with a valid ID for in-person assistance
- Loan statement: Download your latest statement through My Account, which lists any overdue amount alongside your payment history
These offline options are useful if you are unable to access the app or portal at a given moment.
Impact of missing personal loan EMI payments
| Consequence | What it means |
|---|---|
| Penal charges | Applied on the overdue amount, increasing your total outstanding |
| Lower CIBIL score | Missed EMIs are reported to credit bureaus and can reduce your score |
| Reminder calls or notices | You may receive calls or written notices about the overdue amount |
| Recovery action | Prolonged non-payment can lead to further recovery steps as per your loan agreement |
| Future credit impact | A history of missed payments can affect eligibility for future loans |
Clearing your overdue amount promptly limits how far these consequences progress and helps protect your credit standing.
