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Request to Change the EMI Date

At a glance

Price
₹99 · GST included

₹99

GST included

Launch period: downloads are free for now. The prices shown apply once payments open.

Guided questions, full draft on screen, download in Word.

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Also called

  • EMI date change letter
  • application to shift EMI debit date
  • request to change loan instalment date
  • NACH mandate date change request
  • letter to bank to change EMI date after salary credit

Whether you can fill this in here

You can fill this in here

You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

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Why you need it

When you need it

Use this when your EMI debits before your salary lands and you want the date moved later — a plain letter to your loan-servicing branch, EMI amount/rate/tenor unchanged. It pins the lender on the NACH/e-NACH mandate changeover (no gap) and forces interim interest and any switch fee into writing before any debit. Works for any EMI loan on a NACH/e-NACH mandate or standing instruction. Don't use if: in default/NPA or missed instalments (need restructuring); want EMI reduced/tenor extended (different letter); repay by post-dated cheques; or the loan was sold/assigned/co-lent (write to whoever holds the mandate). No RBI rule entitles you to a particular EMI date — it's your loan agreement and lender policy. Most lenders will do it; many restrict to fixed cycle dates; several allow it once; some charge a fee. You're entitled to fair treatment, a decision and reasons if refused.

See stamp duty, registration and witnesses

What follows is the position for this kind of document. The amount is set by the state the property is in and it changes, so the figure for your own state is worth confirming at the sub-registrar’s office before you pay anything.

Stamp duty

None — a request letter creates no right/liability, so it's not chargeable under Schedule I or any State Act; no e-stamp or revenue stamp needed. Plain paper; the NACH/e-NACH form is unstamped too. Exception: a supplemental agreement or loan-amendment the lender asks you to sign IS chargeable under the State Act's residuary article — confirm who pays first.

Registration

Not required, and not possible — s.17 doesn't cover this; no property right is touched, since the mortgage is already registered or deeds deposited. A payment-date change needs no registration — but stop and get advice if asked to sign anything modifying the security.

Notarisation

Not required for a letter to your own lender. If the lender's own form wants a notarised declaration for high-value changes, follow that form instead.

Witnesses

None — not attested. Your signature (and every co-borrower's) must match the loan agreement and mandate; sign the NACH form as registered with your bank.

Talk to a lawyer about this document₹3,539 including GST (₹2,999 + 18% GST), per documentRequest Stamp Paper

Sample preview — placeholder answers, not your data

Pune
1 April 2026

To,
The Branch Manager
HDFC Bank Limited
Kothrud Retail Assets Branch
X

Customer ID: X
Loan Account No.: X

Subject: Request to change the EMI debit date on Loan Account No. X from the 2nd to the 10th of each month

Sir / Madam,

  1. I am Rohit Anil Deshmukh, residing at X. This letter concerns my Home Loan bearing Loan Account No. X with you. This is a joint loan with Sneha Rohit Deshmukh, who is a co-borrower and who has signed this letter with me.
  1. The sanctioned amount is ₹45,00,000 (Rupees Forty Five Lakh only). The EMI is ₹38,470 (Rupees Thirty Eight Thousand Four Hundred and Seventy only) and it is presently debited on the 2nd of each month. The account is regular and I intend to keep it that way, which is the reason for this letter.
  1. My request. Please change the EMI debit date on this account from the 2nd of each month to the 10th of each month, with effect from the instalment falling due in December 2026.
  1. Why. I am making this request because my salary is now credited later. My monthly income is credited on or about the 7th of each month, so the present debit date falls before the money reaches my account. From October 2026 my employer credits salary on the 7th of each month instead of the last working day. The 2nd debit therefore falls five days before I am paid.
  1. If the 10th is not an available date in your EMI cycle for this product, please allot the nearest available date after it and tell me that date in writing before you make the change. I would rather have a workable date than a rejected application.
  1. 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.
  1. The mandate. EMI on this account is collected through the NACH mandate registered against my account with State Bank of India, Erandwane Branch ending 4417, bearing UMRN X. I understand that the mandate will have to be amended, or cancelled and freshly registered, for the new date. Please tell me which route you follow, and send me whatever form you need signed. I will sign it and return it the same week, and I will sign in the same form as the signature registered with the debit bank.

Questions about this document

What does the Request to Change the EMI Date cost on Kaagazaat?

₹99, GST included.

Launch period: downloads are free for now. The prices shown apply once payments open.

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