Your EMIs are due on the 5th of next month and the billing cycle is from 21st of the previous month to 20th of the current month. For eg; if your transaction is between the 21st of January and 20th 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 21st February and 20th March. The due dates of the EMIs cannot be changed.