Learn How EMI Overdue Charges are Calculated

  • Two Wheeler Loans
  • 1 Years ago
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Calculation of Bike loan overdue amount

Calculating Bike Loan Unsettled Amount When You Miss An EMI

Bike loans have helped many people achieve their dream of owning a bike, and finally being free from dependence on public transport and its erratic timing. Thanks to competitive financiers, interest rates have dropped to very affordable levels, and borrowers get convenient repayment schedules. However, a borrower may find themselves in a situation that makes it difficult for them to repay timely. In such cases, the person has to repay the mortgage due amount.

Understanding What Is Mortgage Due Amount

When you get your bike purchase financed from Shriram City, you get a repayment schedule tailored as per your circumstances and you have to repay on time accordingly. The repayment usually happens through monthly installments (EMIs), though after 6 payments the option to foreclose all at once is there.

Tardy status occurs when any particular EMI has not been paid by its cutoff date. Financiers make contingency arrangements for a grace period in cases of payment delay, and the overdue status happens when all these dates get exceeded. Loan Overdue can also be called EMI bounce or past due, and warrants a loan late payment charge.

To find out your loan late payment charges, refer to your agreement and read the terms connected to EMI bounce carefully. At Shriram City, the loan late payment charges are calculated at a penalty rate of 36% on the installment amount in arrears. When you miss an EMI payment and then pay it off late, Shriram City calculates the penalty rate on the amount and adjusts the delay duration into the loan overdue amount formula. Bank charges of Rs 500 are also applicable for each check bounce instance.

How to Manually Calculate Loan Outstanding Amount

The easiest way to calculate your loan outstanding amount is by using MS Excel sheets; especially if you have multiple EMI bounces.

Make the following columns from A to I, with the amounts and respective months occupying corresponding rows:

A- Installment Amount Due (for that month)

B- Due Date of EMI

C- Tardy Interest Rate

D- Installment Repayment Date

E- Delinquent Interest Amount

F- Penalty Duration in Months

G- Days Passed After Notice Reminder

H- Days Adjusted with the Last Date of Month

I- Total Loan Bounce Charges

The amounts will start from row 2. 

Fill in the details for columns A to D. Thereafter, you can use the MS Excel formulas as follows:

Remember to click the small square dot, and drag it down to apply to all the rows that you have missed payments for.

E= A2*C2 [Product of values in A and C]

F= dated if(B2, D2,”m”) [tells how many months of penalty has to be paid]

G= dated if(B2, D2,”md”) [tells how many days have passed over the date as per notice reminder]

H= G2/eomonth(D2,0) [tells the ratio of notice overdue days since EMI bounce charges have to be paid for those days too]

And finally calculate I, the total loan bounce charges as I=(F2+H2)*E2.

If you have multiple missed payments, double click the small square at the corner of I2, and the calculation will come for each. Then you can add up the total loan late payment charges across all those missed months. This is more helpful when you want to foreclose your bike financing.

To calculate manually without Excel, follow these steps:

  1. Multiply the overdue penalty rate by installment amount due for that month by checking your borrower’s balance. This gives you the outstanding amount.
  2. Then find out how late your payment will be in terms of months and days over the reminder notice.
  3. Find the ratio of months to the days exceeded over notice (if any).
  4. Add the numbers from points 2 and 3.
  5. Multiply this value with the penalty amount from step 1 to get the total loan late payment charges for that particular EMI.

Here is an example:

Monthly Installment Due=Rs 10,000

Overdue Interest Rate= 36%

Payment Due Date= 31/12/2020

Penalty Repayment Date= 31/1/2021

Penalty Duration= 1 month

Days Passed After Notice Reminder=0

So, the loan unsettled amount for December 2020 is 36% of Rs 10,000= Rs 3600 multiplied by 1 month, i.e= Rs 3600.

Your actual loan bounce charges due depend on the time duration for which your specific penalty rate is applicable and the installments you missed. These numbers are just to help you understand how to do it.

Using Online Loan Delinquent Amount Calculator

Shriram City Union has a free online loan due amount calculator that you can use for convenience and to know the charges accurately. Remember to contact your lender support, as soon as possible, when you miss EMIs.

What happens if you don’t settle the loan unpaid amount?

When borrowers fail to repay the EMI on time due to any reason, there will be an overdue penalty. On average, EMI bounce penalty notice gives 7 days for meeting the dues when borrowers default without informing. When an EMI bounce happens, you should find out the loan unpaid amount and the penalty, and pay it off as soon as possible. If the check has bounced, then check bounce charges are also included with the loan unsettled amount.

If a mortgage delinquent amount persists for more than 90 days, the financing in question gets categorised as a non-performing asset. Missing your EMI payments hurts your credit history and may make it harder to avail of financing in the future. If you fail to repay for 3 months, you get labeled as a defaulter, and the lender may seize your bike or any other security promised.

If you don’t respond, the lender will contact the guarantor to ensure that the loan tardy amount, bank charges, check bounce charges, etc. are paid off.

If the worst happens and you lose your bike, get in touch with the lender right away. They give you a duration of 3-6 months to repay your loan bounce charges and other dues, and take back the bike. But, they will auction your bike if you don’t take the chances offered for repayment or settlement.

Conclusion

Shriram City offers very affordable interest rates for financing two wheeler purchases, starting from 11.5% p.a. The eligibility conditions make it possible for any adult earning at least Rs 12,000 per month to get 100% financing for their dream bike. With flexible repayment scheduling, the return on investment is very good and the amounts can be repaid over one’s convenient time. 

Calculate the loan bounce charges right away and repay within the notice period to avoid building them up to a huge amount. You can easily pay EMIs online on time and keep your credit score high. Contact Shriram City if you have missed payments and want to figure out the loan unsettled amount.

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  • Jun 17 2021
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  • Business Loans

Fixed Deposit VS Unit Linked Insurance Plans (ULIP) Where to Invest?

  • Jul 02 2021
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Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
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Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
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  • Two Wheeler Loans

Why Shriram City Union Finance Fixed Deposits Should Be Your Preferred Investment Option

  • Sep 04 2021
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  • Fixed Deposit

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
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  • Two Wheeler Loans

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
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  • Fixed Deposit

Overcome these common challenges while applying for a business loan online

  • Dec 07 2021
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  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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  • Business Loans

Best Gold Loan Tips You Will Read This Year

  • Jan 21 2022
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  • Gold Loan

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
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  • Business Loans

MSME Loans & Its Importance

  • Aug 25 2020
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  • Business Loans

How to Save Money in Fixed Deposit?

  • Apr 28 2021
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  • Fixed Deposit

Safe Investments With High Returns In India

  • May 03 2021
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  • Fixed Deposit

Does Shriram City provide an EMI calculator?

  • May 13 2021
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  • Business Loans

How You Can Pick The Best Business Loan

  • May 14 2021
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  • Business Loans

What are the Alternatives for a Business Loan?

  • Jun 16 2021
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  • Business Loans

How to Fulfill your Dreams of Success with Business Loan

  • Jun 23 2021
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  • Business Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
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  • Loans

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
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  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
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How to choose your business loan online based on interest rates

  • Dec 07 2021
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  • Business Loans

How Are NBFCs Keeping up with the Gold Demand Surge?

  • Dec 10 2021
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Type of Fixed deposits you should buy before you retire

  • Jan 25 2022
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  • Fixed Deposit

How to Explain Fixed Deposits to Millennials?

  • Feb 07 2022
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10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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  • Gold Loan

Is a Guarantor or Introducer Necessary for Availing a Gold Loan?

  • Apr 13 2021
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Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
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Get a fixed deposit with Shriram City & boost your savings today

  • May 07 2021
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  • Fixed Deposit

NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
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  • Two Wheeler Loans

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
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  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
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  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

What is the Importance of a Fixed Deposit on Your Financial Portfolio?

  • Oct 23 2021
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How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
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  • Two Wheeler Loans

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
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  • Fixed Deposit

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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Business loans: Expectation vs Reality

  • Feb 09 2022
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  • Business Loans

Easy ways to repay the Loan against Jewellery

  • May 12 2021
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  • Gold Loan

Shriram City: One stop solution for the needs of MSMEs

  • Jun 18 2021
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  • Business Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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  • Fixed Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
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  • Business Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
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  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
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  • Recurring Deposit

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
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  • Fixed Deposit

Gold Loan Eligibility – Everything You Need to Know

  • Apr 27 2021
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  • Gold Loan

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
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  • Two Wheeler Loans

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
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  • Business Loans

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
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Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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  • Two Wheeler Loans

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
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