Your EMIs are due on the 5th of next month and the billing cycle is from 5th of previous to previous month to 4th of the previous month. For eg; if your transaction is between 5th of January and 4th of February (both dates included), your first EMI will be due on 5th March of the same year. Similarly, first EMI due date will be 5th April for transactions done between 5th February and 4th March. The due dates of the EMIs cannot be changed.