All the transactions done during the month will be clubbed together for a single repayment. 

For any purchases made between the 1st and 20th of the month, the first EMI will be due on the 3rd day of next month. And for any purchases made between the 21st to end of the month, the first EMI will be due on the 3rd day of the month next to the subsequent one. 

For example - If you've made a transaction on 15th March 2022, the first EMI will get billed on 3rd April 2022. And let's say for a transaction done on 28th March 2022, the first EMI will be billed on 3rd May 2022 for repayment.  

Outstanding EMI amount gets deducted from your bank account by the 3rd of every month for transactions done in current or  previous month(s)

You can check your overdue and current outstanding amount from Tata Neu website or app--> Loan --> Finance --> Manage Qik EMI Card