How I Got Charged ₹6,500+ Interest for Missing Just ₹1,769.50

[sjmajumder]

Its for billed purchases

Then it has to be considered. No need to write mails at present. If you see any charges in next statement then complaint to PNO. Charges should be reversed along with GST, if not then complaint to RBIO.

 

[Mr. BeanMr. Bean is verified member.]

The point I tried to convey is - Sometimes, bank takes more than one day to adjust the payment in the card account (while maintaining the date of credit). It may well be possible that when I paid one day in advance the same has not been adjusted at the time of eNACH execution. In that case isn't it likely that eNACH will process the entire amount again?

Valid concern. Yes, there is a possibility of eNACH processing the full due in certain situations.

I don't use eNACH regularly. I keep it as a backup. So, no idea how each bank processes a payment done one day prior to due date. Even within the same bank (for example Axis that is known to process the payment almost immediately even before BBPS), due to technical reasons, a bank could delay the settlement resulting in eNACH being triggered for the entire amount.

In situations like OP who made the partial payment two days after the bill generation, there was plenty of time (more than 10 days) for settlement. If he/she had used eNACH, it could have triggered correctly for the pending amount.

 

[sjmajumder]

Valid concern. Yes, there is a possibility of eNACH processing the full due in certain situations.

I don't use eNACH regularly. I keep it as a backup. So, no idea how each bank processes a payment done one day prior to due date. Even within the same bank (for example Axis that is known to process the payment almost immediately even before BBPS), due to technical reasons, a bank could delay the settlement resulting in eNACH being triggered for the entire amount.

In situations like OP who made the partial payment two days after the bill generation, there was plenty of time (more than 10 days) for settlement. If he/she had used eNACH, it could have triggered correctly for the pending amount.

I always pay my TAD on due date using Cred. So unfortunately eNach cannot work as a fallback option for me 🙁