If your NACH EMI gets lapsed in India due to insufficient balance or a technical issue, you can manually deposit the EMI to reduce penalties. First, contact your lender or check your loan account through the bank’s mobile app, net banking, or customer care to confirm the missed EMI amount and any bounce charges. Then pay the EMI immediately using available options such as net banking, UPI, debit card, or by visiting the bank branch and depositing the amount directly into your loan account. Some lenders also allow payment through their loan portal. Paying the overdue EMI quickly helps minimise late fees and prevents negative reporting to your credit bureau.
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If my NACH EMI gets lapsed, how can I manually deposit the EMI to avoid penalties?
My EMI was supposed to be auto-debited through NACH but it failed today. How can I pay it the same day?
Chhater Pal singh
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23 days
2026-03-06T09:00:26+00:00 2026-03-06T09:00:28+00:00Comment
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