# Bajaj Finance: Loans, UPI & FD — Instant Loans, UPI, Easy EMI > All-in-one finance app for loans, payments, investments, and shopping on EMI. (iPhone/iPad app by Bajaj Finance Limited.) - Source: https://appshunter.io/ios/app/bajaj-finance-loans-upi-and-fd/id505454145 (this page in markdown: same URL + `.md`) - Developer: [Bajaj Finance Limited](https://appshunter.io/developer/493202639) - Category: Finance, Business - Price: Free - Rating: 4.72/5 from 459,738 App Store ratings · 20 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 220 MB - Languages: American English - Released: 2012-03-06 - Data updated: 2026-09-09 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bajaj-finance-loans-upi-and-fd/id505454145/reviews.md ## What is Bajaj Finance? The Bajaj Finance UPI & Loan App is trusted by 50 million+ customers across India for their financial and payment needs. Using this app, you can apply online for a variety of loans including personal loan, home loan, gold loan, business loan, etc. You can shop offline from 1 million+ products on Easy EMIs, invest in Fixed deposit, get insurance & do much more. You can also easily pay electricity bills, helps with mobile recharge, DTH service & transfer money using BHIM UPI. Instant Personal Loan App • Get instant personal loan up to ₹55 Lakh with this loan app. • Get quick funding with a gold loan by pledging your gold • Doctors & Chartered Accountants can get funding via professional loan. • Self-employed individuals can get affordable business loans with Easy EMI options. Highlights of Personal Loan • Loan Amount: ₹40,000 to ₹55 Lakh • Repayment Tenure: 12 to 108 months • Rate of Interest: 10% to 31% p.a. • Processing Fees: Up to 3.93% (inclusive of applicable taxes) of the loan amount Example: For an instant loan of ₹1,00,000 at an interest rate of 15% per annum for 12 months resulting in ₹8,310 interest amount (interest rate on a reducing balance method), with a processing fee of 3.93% (₹3,930) and other charges of ₹100, the total amount to be repaid after a year is approximately ₹1,12,340. Note: This is an estimate; the actual interest rate and processing fees may vary depending on the product. More Loans with the Same Ease • Home Loan: Make your dream home a reality with home loan at competitive rates and flexible repayment options. • Gold Loan: Use your gold as security to get a gold loan for any urgent needs • Business Loan: Designed for business owners, easily meets all expenses related to growth, operations, or expansion using Business loan. • Two Wheeler Loan: Finance your new two-wheeler with a quick and simple loan process. Shop on Easy EMIs • Shop from 1 million+ products at 1.5 lakh+ stores across India with Easy EMI options. • Shop LED TV, Washing Machine, Furniture, Electronic appliances and Smartphone on Easy EMI from Bajaj Finance UPI & Loan App. Recharge & Bill Payments in One Place • Pay all your utility bills such as water, LPG, electricity, etc. online using the Bajaj Finance UPI & Loan App. • Helps with mobile recharge, DTH & FASTag from leading providers. Payments Simplified with BHIM UPI App • Create your unique Bajaj Pay UPI ID, enjoy UPI offers & send/receive money, or pay bills using Bajaj UPI App & authorize your UPI payments by entering the UPI PIN. • Add money to your Bajaj Pay Wallet & recharge mobile or make bill payments in seconds. Invest with Ease in Fixed Deposits • Get high ROI on fresh FDs and renewal of existing FDs. • You can start investing in Fixed deposit online for just ₹15,000 and get a loan against it. Mutual Funds for Everyone • Invest in Mutual Funds with as low as ₹100 with this Top Mutual Fund App. • You can invest in any Mutual Fund via monthly SIPs or pay a lumpsum. • Make the most of your investment by paying 0% distributor commission. Insurance for Every Need • The Bajaj Finance app offers 300+ plans for Health Insurance, Motor Insurance, Pocket Insurance, and more. • Getting insurance is even easier with digital process. One App for All Needs • Fulfill your shopping and travel needs on one platform with 100+ brand partners. • From instant loan availability to UPI convenience, recharge, and bill payments, your daily tasks become effortless. Features • Find all your financial transactions in one place • Calculate your EMIs for your preferred Easy EMI tenure using the EMI Calculator • Check your CIBIL score and get the credit health report online • Download your loan account statements for gold loan, personal loan, etc • Get quick assistance & timely resolution for your queries Contact Us: Bajaj Finance- Off Pune-Ahmednagar Road, Viman nagar, Pune-411014 ## Key features - Apply for personal, home, gold, and business loans - Shop on Easy EMIs from 1 million+ products - Pay utility bills and recharge services - Send and receive money via BHIM UPI - Invest in Fixed Deposits and Mutual Funds - Get quick funding with gold loans ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/bajaj-finance-loans-upi-and-fd/id505454145/reviews.md ### 1/5 — Nidhi Negi—your loyal and fooled customer *2026-03-06* Extremely poor and frustrating experience with Bajaj Finance EMI Card service. 😡 My existing EMI Card was suddenly blocked without any proper reason. When I contacted customer service, they simply said that the card cannot be unblocked because I am “not eligible as per their criteria.” However, the shocking part is that with the exact same details and profile, they told me to apply for a new EMI card with a new number, and suddenly I became “eligible.” This clearly shows how unprofessional and misleading their process is. Instead of helping customers resolve issues with existing cards, they push customers to apply for new ones. Customer service provided no proper explanation, no transparency, and no real support. This kind of behavior is completely unacceptable from a financial company. Bajaj Finance seriously needs to improve its customer service and stop harassing customers with such illogical policies. Very disappointing experience. 🚫 ### 1/5 — Literally useless app *2026-01-17* Dear Bajaj FinServe team, I have been facing issue to login by your your mobile app and website as well. When I tried to login by using mobile app then your app is throwing an error message saying “Suspecious activity identified “ perhaps it doesn’t make any sense. I have been using Icici bank and Axis bank in my mobile but there is no such false information reported by this bakers. Only your Bajaj app is showing such false information to your customers. I am asking a straight forward question , don’t you have any strong security team who can identify your correct customer ? Second thing, I wanted to make a part payment through your IVR option. It was sent a link to me as an SMS and asking to click on that link to make part payment. when you are not allowing the your existed customer to access your m mobile app then why do you send mobile app payment link ? Who is that bad designer in your IT system? It is nothing but stitching the shirt with our head! Doesn’t make any sense. Also, your app is asking for evidence to login and I tried 3-4 times and always it is getting crash. Can you allow me 1 time to login and close my relationship with you pertinently by making full payment. Please allow me to login into my account to make part payment, other wise I will escalate to ombudsmen’s and I will collect interest from Monday the amount what I wanted to pay off. Hope you will have proper customer support I recommend Apple Store should remove this app from App Store to maintain apple credibility. **Developer response:** Hi, we are here to assist you. 1. Update to the newest version of the app from playstore 2. If the issue still persists, write to us with details of issue on appsupport@bajajfinserv.in along with A. Phone Number B. Device model & operating system C. Date with Approximate time of issue Mention ref ID AS060126-05. Thank you - Nandini ### 1/5 — Multiple bugs on the application on ios and web application both *2025-07-03* 1. My EMIs showing 16 paid and 8 remaining which is wrong. 8 are paid and 16 are remaining. 2. The application is showing that my EMI FOR MONTH OF JUN IS PAID ON 2nd jun. But I received 2 sms saying my emi is bounce. Now i am struggling to understand what just happened. Also there is no way i can get my answer if my emi is paid or not. If system gets updated from back-end, I will have no clue what just happened. This makes3. When i am trying to use ‘chat with us’ feature, after selecting loans, it asks me ‘please select the relationship you need help with’. After selecting my loan emis, it does nothing. I am stuck with nothing in my hand and feeling helpless. So have to visit some office. This just kills the purpose of an mobile application. The application is showing wrong information or ambiguous behaviour and no place to go to resolve it. If my cibil score drops, i will have to file a case in consumer forum. At least have someone contact me please. ### 1/5 — Rude & uncooperative *2025-04-06* These guys are there to harass you and irritate you. Sent me a message on Friday that money will not be deducted on Sunday but next working day which is Monday. Then they charge for bounce charges on Sunday morning. Then when it bounces, the very next day they hire Shree Krishna Collection Agency. These guys will come to your home, create a scene and harass you. The payment plan is decent but don’t think these guys are helpful looking at it. The way they do business should be illegal, and would be in developed nations. And I would honestly file a case against these guys and their collection agents as they harass not only you but others as well. The indian government does not care about its citizens and that is clear with the way these guys Bajaj, moneyview, kredit bee and navi loan are operating. The last loan offer I got despite having 700+ credit score is of 35%, which should be criminal. It’s better that whatever you think you need the money for, you give that up than deal with these money fleecers. Rude and threatening business and to get into any kind of agreement with these people is regrettable. If you are reading this, please don’t even download this app. Written by a good samaritan. **Developer response:** Hi, we would like to get to the bottom of this. In order to resolve your query, please confirm if you have raised your concern as per below mentioned steps. If not, please visit our mobile App -> Account -> Help & Support -> Raise a Request and help us with required details. Mention the ref ID EX04085-01. Thank you - Preety ### 1/5 — Worst Application and Fraud and Cheaters *2024-12-18* I took an OD loan from bajaj for around 30 lakhs, starting from the loan processing till we get the loan credit everything they promise they change the words, initially they promise less interest rate to make you send documents and then later they dont fail to stand on their promise and then they increase the interest rate, they also promise cash back… their cash back process also not smooth, this app has lot of bugs. First they said you will receive cash back on to your bank, but later they said you will receive scratch card, to receive a scratch card also there is a huge delay, after calling them many times once you receive the scratch card then another issue that scratch card dont work, you try to scratch the card but it show server issue again you will have to call them and get the issue fixed but they again take weeks time to fix it, and finally when the scratch works and receive the cash into your app wallet, here comes another issue when you try to withdraw the cash to your bank, by using all the methods (upi, bank account) nothing works because the next screen shows you dont have wallet balance, but when you click on wallet it shows the baalnce… then you will realise what a funny and blunder company Bajaj fianance is. Dont ever take their services better take Tata OD or any other banks personal loans. ### 5/5 — Excellent working app *2024-10-09* Here's a review of the Bajaj app: --- **Bajaj App Review** The Bajaj app offers a seamless experience for managing financial services and products. The user-friendly interface makes it easy to navigate through various features, including loan applications, insurance policies, and investment options. **Pros:** 1. **Intuitive Design:** The app is well-organized, allowing users to access information quickly. 2. **Comprehensive Services:** It covers a wide range of financial products, making it a one-stop solution for users. 3. **Secure Transactions:** The app prioritizes security, ensuring that personal and financial information is protected. 4. **Real-Time Updates:** Users receive timely notifications about their account status and offers. **Cons:** 1. **Occasional Bugs:** Some users report minor glitches that can affect the experience. 2. **Limited Customer Support:** While the app is feature-rich, customer support can be slow to respond during peak times. **Conclusion:** Overall, the Bajaj app is an excellent tool for anyone looking to manage their financial services efficiently. With its user-friendly design and extensive features, it stands out in the competitive landscape of financial apps. --- Feel free to customize any part of this review to better suit your perspective! **Developer response:** Hi Ghandi, thank you for sharing your valuable feedback. We have made a note of it and will share the same with our team for further consideration - Jijo ### 5/5 — Amazing application *2024-07-13* With nearly 3.5 million apps in the Google Play Store, competition for user downloads has become intense. Your app may be incredibly unique with great design, works perfectly well, solves a burning problem, and still not achieve the success you dream about. The truth is, success in the Google Play Store and Apple App Store, requires more than just a great product. You must also take care of your app listings and optimize your solution correctly with the appropriate app title and description. Keep reading to learn how to choose the perfect title and description for your app on the Play Store. By the end of this article, you will have the knowledge you need to lift your app out of obscurity in the Play Store and reach an endless stream of users ready to download your app. Let's get started! **Developer response:** Thank you for the great review! We’re so happy you loved the App - Jijo ### 1/5 — worst of worst experience i’ve ever had *2024-07-10* I applied for personal loan through this app but u know what they did to me, i was literally wasted 15 days waiting for them to resolve my financial issues, everyday different representative from bajaj called me asking me about my details and my loan requirements, and even informed me that I am eligible to avail loan upto 4.5lacs,after informing me regarding my eligibility, they told me they will call me back after 15 mins which they never did, they are literally playing with customer, even after explaining it to them that i’ve had this issue with the other representative they just listen and did the same thing, is this how your customer service works???? stop playing with customer when u cant keep your words, atleast let us know that we are not eligible or can’t apply at the moment, totally disappointed 😡Even today one guy from bajaj called me again and did the same thing again. **Developer response:** Hi, we are here to assist you. The loan Approval/Rejection is the basis of our risk policies. Kindly make sure to maintain good credit behaviour and try again after six months. We value our customers and their feedback, do reconsider your review with us when your query gets resolved. Thank you - Jijo ### 5/5 — Superb *2024-07-10* I recently started using the Bajaj Finserv mobile app, and I must say it has been an excellent experience. The app offers a seamless and user-friendly interface that makes managing my finances incredibly convenient. Here are a few highlights of my experience: 1. **Easy Navigation**: The app's layout is intuitive, allowing me to find and access different features without any hassle. Everything is well-organized, from viewing loan details to making payments. 2. **Comprehensive Features**: It covers a wide range of financial services, including loan applications, EMI management, investment options, and insurance. This all-in-one approach saves me the trouble of using multiple apps for different financial needs. 3. **Real-Time Updates**: The app provides real-time updates on transactions, loan status, and investment performance, which helps me stay informed about my financial activities. 4. **Secure and Reliable**: Security is a top priority for me, and the Bajaj Finserv app doesn't disappoint. It uses robust encryption and multi-factor authentication, ensuring my data is safe. 5. **Customer Support**: The in-app customer support feature is highly responsive. I had a query regarding my EMI schedule, and the support team promptly resolved it. 6. **Additional Tools**: The app includes useful tools like EMI calculators and budget planners, which are great for financial planning and decision-making. Overall, the Bajaj Finserv mobile app is a comprehensive and reliable financial companion. I highly recommend it to anyone looking for a convenient way to manage their finances. **Developer response:** Thank you so much for sharing your experience with us - Jijo ### 3/5 — Good and bad *2024-07-02* This app is in Appstore, means its developed for iDevices. But its not that optimised. Everytime it asks for OTP. There are login options like m-pin and Biometric login, but none of those works. It asks for mobile number everytime you login, OTP Comes, after you login, it asks for enabling or disabling m-pin and touch ID. When you make any change, it again asks for OTP. Here's the big issue... If you enter the OTP, nothing happens. Neither it goes forward nor reject the OTP. It remains the same, counting down the time for OTP. After the time ends, it asks for OTP again. Nothing happens. All you have to do is, skip the step and login. There doesn't the story end, if you want to login again after some time, the process starts with entering mobile number and asking OTP. I would never use this kind of app if I had any alternative. Actually I adjust with MobiKwik wallet app mostly for just tracking information. But having dedicated app, and doesn't work properly... It's annoying. Developer please address this issue. **Developer response:** Hi Kishore, request you to update the new app version from App store, if issue still persist then write to us with details of issue on appsupport@bajajfinserv.in along with Phone No, Device model & operating system, Date with Approximate time of issue. Mention the ref ID AS072824-01 for us to track. Thank you. - Mithun ## Frequently asked questions about Bajaj Finance ### What types of loans can I apply for with Bajaj Finance? Bajaj Finance allows you to apply for a variety of loans including personal loans up to ₹55 Lakh, home loans, gold loans, business loans, and two-wheeler loans. The app also offers professional loans for doctors and chartered accountants. ### How does the Easy EMI shopping feature work on Bajaj Finance? You can shop from over 1 million products across 1.5 lakh stores in India using Easy EMI options. This allows you to purchase items like electronics, furniture, and smartphones on installment plans directly through the app. ### Can I make bill payments and recharges using Bajaj Finance? Yes, the app simplifies bill payments for utilities like water, LPG, and electricity. It also assists with mobile recharges, DTH services, and FASTag from leading providers. ### What are the interest rates and tenures for personal loans on Bajaj Finance? For personal loans, the rate of interest typically ranges from 10% to 31% per annum, with repayment tenures from 12 to 108 months. Processing fees can be up to 3.93% of the loan amount. ### How can I invest using the Bajaj Finance app? You can invest in Fixed Deposits starting from ₹15,000 and earn high ROI. The app also allows investment in Mutual Funds with as low as ₹100, either through monthly SIPs or a lump sum payment. ### Is Bajaj Finance available on multiple platforms? The app is available for Android devices and is suitable for users aged 4 and above. It has been updated to version 26.1.3 as of June 17, 2026. ### What is the user rating for Bajaj Finance? Bajaj Finance has a strong user rating of 4.7 stars, based on over 459,738 ratings. This indicates a high level of customer satisfaction with the app's services. ### Does Bajaj Finance have ads? The provided data does not specify if the app contains advertisements. However, it is a free application with no in-app purchases mentioned. ## Version history (last 5 releases) ### 26.1.6 — 2026-08-22 Bug Fixes ### 26.1.5 — 2026-07-21 Bug fixes and performance improvements ### 26.1.4 — 2026-06-23 Bug fixes and performance improvements ### 26.1.3 — 2026-06-17 Bug fixes and performance improvements ### 26.1.2 — 2026-06-05 Bug fixes and performance improvements ## More apps by Bajaj Finance Limited - [Bajaj Finserv Wallet](https://appshunter.io/ios/app/bajaj-finserv-wallet/id1203663967) - [My BAFL](https://appshunter.io/ios/app/my-bafl/id1330146887) - [BFL EDGE](https://appshunter.io/ios/app/bfl-edge/id1445853199) - [Bajaj Finance For Business](https://appshunter.io/ios/app/bajaj-finance-for-business/id6463599470) - [CreatR](https://appshunter.io/ios/app/creatr/id6756487681) All apps by Bajaj Finance Limited: https://appshunter.io/developer/493202639 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*