If your AutoPay EMI fails due to low balance and you don't pay within 2 days of the due date, there's a late fee. It's ₹850 (incl. GST) for IDFC, ₹913 (incl. GST) for Groww Creditserv, ₹450 (incl. GST) for Credit Saison India, and ₹500 (incl. GST) for Aditya Birla Finance. Tip: Keep enough funds in your account before the EMI due date to avoid this fee.