The required amount of balance must always be maintained at the time of due date for clearing the monthly auto-debit payment, if you have registered for auto-debit. Insufficient balance would lead to payment bounce which is a criminal offence in the Indian court of law. It shall also attract a ECS bounce penalty on your loan account and affect your credit score adversely. If in case you cannot deposit the funds in your account or do not want your account to be auto-debited, we request you to kindly repay your EMI online using the Ring App, at least 3 working days before your due date. Advance payment made online, 3 working days before due date, will enable our team to stop the auto-debit for that particular month.