You can check the current outstanding on Tata Neu --> Finance --> Loan --> Manage Qik EMI Card . If the total dues of previous month are not cleared by 3rd of preceding month , the remaining outstanding amount will be auto collected from your linked account. In case you've cleared all the dues and still  the EMI has been debited more than once, reach out to Tata Capital Customer care at 1860 267 6060.