If you have not paid your EMIs for the past 6 months, it is likely that your credit score has been negatively affected. However, regarding the notification from the PhonePe app that you received, it could mean a few things.

One possibility is that the payment has been deferred and added to the outstanding balance, which would mean that you still owe the amount, and interest may also accrue on the outstanding balance. Another possibility is that the loan has been restructured or settled, in which case you would need to check with the lender to confirm the status of your loan.

If you have not paid your EMIs for a significant period, it is important to take action to avoid further damage to your credit score. You should contact the lender to discuss repayment options and negotiate a payment plan that you can manage. Making consistent, on-time payments going forward is the best way to improve your credit score.

To improve your credit score in the long term, it is important to maintain a good credit history by paying your bills on time, avoiding taking on too much debt, and regularly checking your credit report for errors or discrepancies.