Your salary date just changed — but your loan EMI still gets deducted earlier, disrupting your cash flow.
The good news? Most lenders now allow you to change your EMI payment date easily.
At Vizzve Finance, we explain how to adjust your EMI schedule smartly, what to check before applying, and how this move can help you avoid late payment penalties.
1. Can You Change Your EMI Date?
Yes, many banks and NBFCs allow borrowers to reschedule their EMI due date, either once during the loan tenure or under specific conditions.
The flexibility helps when:
Your salary credit date has changed.
You’ve switched jobs or employers.
You want to align all EMIs (credit card, personal loan, etc.) to one date for convenience.
However, lenders usually require a formal request and a few days’ notice before your next due date.
2. Ways to Change Your EMI Date
There are typically three methods:
a. Through Mobile App or Net Banking
Log in to your lender’s official app or portal.
Go to Loan Services → EMI Rescheduling or Change EMI Date.
Select a new date (usually between the 1st and 10th or 5th and 15th).
Confirm via OTP and digital consent.
Some lenders may send a confirmation email once the new schedule takes effect.
b. Contact Customer Care
If the online option isn’t available, you can call your bank’s customer helpline.
Provide your loan account number and preferred new date — they’ll guide you through verification and processing.
c. Visit the Loan Branch or Relationship Manager
For NBFCs or older loan systems, an in-person request might be needed.
Carry:
Valid ID proof
Loan account details
Updated salary credit proof (if relevant)
3. Conditions You Should Know
Before requesting a date change, remember:
Lenders allow EMI date changes only once or twice during tenure.
It may take 1–2 billing cycles for the new date to reflect.
Some may charge a nominal service fee (₹200–₹500).
No overdue EMIs should be pending at the time of request.
At Vizzve Finance, we recommend submitting the change request after clearing your current EMI to avoid confusion.
4. Smart Tips Before Changing EMI Date
Align with your salary credit date for smoother cash flow.
Avoid weekends or holidays — ensure your new date is on a working day.
Update your auto-debit/e-NACH mandate to reflect the new date.
Monitor your first EMI post-change to confirm accurate deductions.
By planning the date strategically, you can improve financial discipline and avoid accidental defaults.
5. How It Affects Your Credit Score
Changing your EMI date has no negative impact on your credit score, as long as:
You continue to pay on time.
There’s no missed or delayed installment during the transition period.
In fact, properly timed EMIs help maintain a strong repayment record — boosting your CIBIL and overall credit profile.
Conclusion
Changing your personal loan EMI date is a small but powerful step toward better financial management.
It ensures your repayments stay stress-free and timely, matching your income cycle.
At Vizzve Finance, we believe financial control starts with flexibility — and something as simple as rescheduling your EMI date can make your monthly budget much easier to manage.
❓ FAQs
Q1. Can I change my EMI date anytime?
Not anytime — most lenders allow a date change only once during the loan term or after a minimum of 3 EMIs.
Q2. Does it cost to change the EMI date?
Some lenders may charge a nominal administrative fee. Always confirm before applying.
Q3. How long does it take for the new EMI date to reflect?
Usually within one or two billing cycles after your request is approved.
Q4. Will changing EMI date affect auto-debit?
Yes, you’ll need to update your e-NACH or ECS mandate with the new date to ensure smooth deductions.
Published on : 5th November
Published by : SMITA
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