GrowMoney EMI Collection Mobile app only works for collecting the EMI from the different users from different branches. FO will visit the user's address and try to collect the EMI from them through different Payment mode's i.e QR Code or Cash. If any user is comfortable to pay full payment they can else they can pay lumsum amount and rest will adjust in next EMI. They can also pay double of their current EMI & next EMI will also adjust.