I totally forgot to pay my EMI in the month of January this year so as soon as I remembered it, I went to the bank to ask what needs to be done. I asked the officials- was there any HDFC
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home loan EMI bounce charges and learnt there are. Bounce charges need to be given once you miss paying your EMI within the due date. They can be called penalty charges as well so let me share here how much one needs to pay.
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How much is the EMI bounce charge?Different banks might charge a different amount for late EMI but the penalties usually are 1% to 2% on the overdue amount. Some banks charge penal interest as well above the regular interest on your home loan so that needs to be discussed with the bank officials.
How can I pay bounced EMI in HDFC home loan?
Paying bounced EMI in HDFC home loans is very easy. Here is what you need to do
Visit the HDFC loan repayment portal or click on
https://www.billdesk.com/pgidsk/pgmerc/hdfcemi/index.jsp
Click on Pay
Provide your bank details like Loan account number, name, date of birth and more
Click on net banker option
Click on pay
Provide your bank details to make the payment
Enter the amount against your HDFC bank loan amount
Your money will get debited next
You will receive details on your phone about the same along with the Transaction reference number
Try to note these details and keep the message safely.
I hope the process of HDFC home loan EMI bounce payment is clear to you now.
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Authors Of The Question
How can I Pay Bounced EMI in HDFC Home Loan?
Dona
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2 Year
2022-12-29T22:09:19+00:00 2023-09-21T15:02:03+00:00Comment
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