Fill in Request to Change the EMI Date

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Request to Change the EMI Date

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You and your lender
The loan
The date change wanted
The debit mandate
Delivery and signing

Step 1 of 5

You and your lender

Your full nameNeeded

For example: Rohit Anil Deshmukh

Your addressNeeded

House / flat / plot no.

Street, sector or locality

City area and PIN code

Your mobile numberNeeded

A number somebody can be reached on. Ten digits is the usual Indian form, and a country code in front of it is fine if you want it there.

Your email addressNeeded

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

Name of the bank or housing finance companyNeeded

For example: HDFC Bank Limited

Branch or loan-servicing officeNeeded

For example: Sector 34 Retail Assets Branch, Chandigarh

Address of that branch or officeNeeded

House / flat / plot no.

Street, sector or locality

City area and PIN code

What kind of lender is it? (this decides which grievance forum you can escalate to)Needed

You are a regulated entity covered by the Reserve Bank – Integrated Ombudsman Scheme, 2026, and I may therefore complain to the RBI Ombudsman: online at cms.rbi.org.in, by email to crpc@rbi.org.in, by post to the Centralised Receipt and Processing Centre, 4th Floor, Central Vista, Reserve Bank of India, Sector 17, Chandigarh 160017, or through the contact centre on 14448. Under that Scheme a complaint must be made within 90 days of the expiry of that 30-day period, or such longer period as the Reserve Bank of India, NPCI or card-network guidelines prescribe, or of the date of your last communication to me, whichever is later.You are a housing finance company, and housing finance companies are outside the Reserve Bank – Integrated Ombudsman Scheme, 2026, so the RBI Ombudsman has no jurisdiction over this complaint. I may therefore take the matter to your own Grievance Redressal Officer and then to the National Housing Bank's Complaint Redressal Cell, and to the Reserve Bank of India's Consumer Education and Protection Cell at its regional office if that does not resolve it.

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Co-borrower's full nameYou may leave this

For example: Sneha Rohit Deshmukh

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To,
The Branch Manager
__________
__________
__________

Sir / Madam,

6. Nothing else is to change. Please keep the EMI amount, the rate of interest, the tenor and every other term of the loan exactly as they are, save only for the interim interest dealt with in paragraph 9. If the change you are able to make would alter the EMI, the rate or the tenor in any way, please do not process it — write to me first with the details and let me decide.

8. Please do not leave a gap. I will not cancel or stop the existing mandate until you confirm in writing that the new mandate is registered and active, and I ask you not to cancel or de-register the existing one before the new one is live either. A gap of even one cycle means an instalment is returned unpaid, and a returned instalment costs me a charge, a bad entry on my credit record, and the statutory consequences that can follow the dishonour of an electronic debit for insufficiency of funds under section 25 of the Payment and Settlement Systems Act, 2007, which are the same as those under section 138 of the Negotiable Instruments Act, 1881. Through the changeover month I will keep the debit account funded for both the old date and the new date so that whichever instruction presents itself is honoured.

10. Credit reporting. Please ensure that no instalment is reported as missed, delayed or in default to any credit information company on account of this change. Lenders now report credit information to the credit information companies at least fortnightly, and in some cases more often, so a single mandate gap shows up on my credit report very quickly, and having it corrected afterwards takes far longer and far more paper than avoiding it in the first place.

11. What I need back from you. Once the change is made, please send me (a) written confirmation of the new EMI date and the instalment from which it takes effect; (b) a revised repayment or amortisation schedule; and (c) confirmation that the new mandate is registered, with its UMRN if a fresh mandate has been created.

12. Please acknowledge this letter and let me know your decision within 15 days. I am making this request under your Fair Practices Code and the Reserve Bank of India's Charter of Customer Rights, which include the right to fair treatment and the right to have a grievance considered and answered with reasons. If the request cannot be granted, please tell me in writing why, and what the alternatives are. I ask for 15 days as a matter of courtesy; I understand that you have 30 days from a written complaint before I may take the matter to an external forum.

13. If I do not hear from you. I will first take it up again in writing with this branch. If that does not resolve it, I will escalate to your Nodal Officer or Principal Nodal Officer for grievances, whose name, address and email I request you to give me, failing which I will take them from your website. If your reply rejects or partly rejects my complaint, please confirm whether it has been placed before your Internal Ombudsman, if you are an entity required to appoint one under the Reserve Bank of India's Internal Ombudsman Directions, 2026. If the matter is still unresolved 30 days after a written complaint to you, or if your reply does not satisfy me, I will take it to whichever external forum is open to me. __________

Thank you.

Yours faithfully,

Received at __________ on ____________ (date), with seal and signature:

_______________________________
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