The EMI process requires the applicant to do provide an OTP to the EMI team during the logging in process; applicant needs to complete the E-mandate and E-KYC process online; applicant would receive a final confirmation call post all process id done and before disbursement which has to be answered by the applicant himself/herself. If all this is done by the applicant on time then the EMI process could take minimum 2 hours and maximum 3 working days.