Emi due and person died

Dear Client,
It is the paramount obligation of the legal heirs of the deceased borrower to repay the debt left by the deceased borrower. Legally, being a legal heir of the deceased borrower you should pay the outstanding debt lying unpaid against the deceased borrower otherwise amount of debt may enhance charging the penal interest for default. You can make a prayer to the lender to waive the unpaid debts, but usually, lenders do not allow such prayer.

Dear Client,
I am sorry for your loss. Under Indian law, specifically the Indian Contract Act, 1872, and principles of debt repayment, when a borrower passes away, the responsibility to repay the remaining debt typically falls on the legal heirs, but only to the extent of the estate left by the deceased. If the principal amount of the EMI has already been paid and only the due charges remain, you can negotiate with the lending company to waive these charges, especially considering the circumstances of your father's passing. Often, financial institutions may show leniency in such situations. If the company persists, it is advisable to consult with a lawyer who specializes in debt recovery and consumer protection to explore the possibility of legally contesting the due charges or seeking a settlement that is fair and manageable.