Auto Repayment has to be setup before your FreeCharge EMI A/c is activated. You have to provide your bank A/c details so that your EMIs can be automatically deducted when they are due.Kindly note that the Auto repayment will be setup for the complete amount of your approved credit limit. However, the actual amount will be debited, as per your EMI schedule, ONLY when you use the amount for any transaction. NO amount will be deducted if you do not use the approved credit amount.For eg. The approved Limit for you is Rs 30,000. The Autorepayment will be setup for Rs 30,000. However, if you do not use any amount for 2 months and after 2 months you take Rs 5,000 in your FreeCharge Wallet with an EMI schedule of 6 months and EMI value Rs. 916, then your account will be deducted for the amount Rs. 916 once every month for the next 6 months.