Bajaj Finance User Reviews

Customer Experience

Positive experience35.0% of reviews
Neutral5.0% of reviews
Negative experience60.0% of reviews

~ Based on 20 written reviews from the US App Store.

Is Bajaj Finance Safe?

Bajaj Finance: Loans, UPI & FD appears safe based on user ratings. AppsHunter Safety Score for Bajaj Finance is 94/100.

This assessment is based on 459,738 user ratings, with an App Store average of 4.7/5.

Is Bajaj Finance Legit?

Bajaj Finance: Loans, UPI & FD appears to be a legitimate app. AppsHunter Legitimacy Score for Bajaj Finance is 90/100.

Based on 90 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Nidhi Negi—your loyal and fooled customer

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. 🚫
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Literally useless app

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.
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Response from developer

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

Multiple bugs on the application on ios and web application both

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.
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Rude & uncooperative

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.
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Response from developer

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

Worst Application and Fraud and Cheaters

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.
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Excellent working app

Here's a review of the Bajaj app:

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**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.

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Feel free to customize any part of this review to better suit your perspective!
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Response from developer

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

Amazing application

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!
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Response from developer

Thank you for the great review! We’re so happy you loved the App - Jijo

worst of worst experience i’ve ever had

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.
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Response from developer

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

Superb

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.
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Response from developer

Thank you so much for sharing your experience with us - Jijo

Good and bad

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.
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Response from developer

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

Nice app

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!
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Google best

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!
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Difficulty Accessing Loan Account from Abroad – Urgent Assistance Required

Dear Bajaj Finserv Customer Support Team, I am writing to formally express my dissatisfaction and concern regarding my inability to access my loan account while residing abroad. Despite several attempts to log in from my current location, I have consistently faced issues that have prevented me from managing my financial transactions and monitoring my account status effectively. This lack of access is particularly concerning as it hinders my ability to make timely decisions and fulfill my financial obligations promptly. It is crucial for me to have reliable and uninterrupted access to my account, irrespective of my geographical location. I request your immediate assistance to resolve this matter. Please provide a clear explanation for these access issues and suggest a viable solution at your earliest convenience. Additionally, I would appreciate any temporary measures I might take to manage my account until a permanent fix is implemented. Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to these ongoing access difficulties. Sincerely, Jiju John
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Response from developer

Hi Jiju, Unfortunately, we do not currently offer services outside of India. We appreciate your understanding. Thank You- Mithun

Seamless & Reliable Application

I've been an avid user of the Bajaj Finance app for the past three months, and my experience has been nothing short of exceptional. Initially hesitant due to some negative reviews, I decided to give it a try, and I'm pleased to share my positive experience.

One of the standout features of the app is its user-friendly interface. Navigating through the app is a breeze, and I've encountered no difficulties in finding the information I need. The design is intuitive, making it easy for users to access various features without any confusion. The thoughtful layout contributes to a hassle-free experience every time I use the app.

One of the crucial aspects that convinced me to continue using the Bajaj Finance app is its flawless performance during every login. Whether I'm checking my account balance, reviewing transactions, or exploring new features, the app consistently delivers a smooth and efficient performance. This reliability has been a key factor in building my trust in Bajaj Finance's digital services.

The app serves its purpose effectively, meeting my financial needs with precision. From managing EMI payments to staying updated on my loan details, the app provides a comprehensive platform that caters to all my requirements. The convenience it offers has made it an integral part of my financial management routine.

Based on my positive experience, I would confidently recommend the Bajaj Finance app to others. It has proven to be a reliable companion for managing financial transactions, and I appreciate the efforts put into ensuring a seamless user experience. If you're in search of a trustworthy and efficient financial app, Bajaj Finance is certainly worth considering.
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Response from developer

Thank you so much for this review - Preety

App login issue

I m very disappointed from the customer service of bajaj finserv. I have issue in login. I have complained so many time in last One Year but they said your query hase been resolved but this is wrong msg because the problem is continuing and after a long time of period they said kindly upload your kyc documents. Then I uploaded the documents as per telephonic conversation after that I received many calls they said your query is resolved and the customer service agent said i got a massage that ur query is resolved kindly login but the problem is not resolved i m not able to login and then he said i will inform to backend team they will solve soon. He was the 20th agent said this to me. They blocked my 8000 rs in their wallet from last 1 year without any reason if there is a reason then they dont want to solve it. I don’t know who is responsible for all this.
I m very disappointed from bajaj.
I think i have to go to consumer court.
Kindly suggest ?
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Response from developer

Hi, Greetings from Bajaj Finance!  1. On account of regulatory compliance, wallet of customers who have more than 1 wallet on the same officially valid document (OVD) have been blocked 2. For assistance, raise a request click on My account -> Help and Support -> Raise a Request -> Wallet and mention the ref ID RN092723-08 Thank you - Akshay

Bad customer support

I'm really upset with this app and their terrible customer support. Whenever I try to get help, it always shows a frustrating message that says, “ An error has occurred. We will be up and running shortly." This has been going on for at least a month now, and they haven't fixed it or explained anything. What's even worse is that they added an insurance policy to my account along with flexi loan without asking me first. They never told me about it, and they sneaked in some extra charges that they didn't mention. It feels like they're trying to trick me, and I don't appreciate that at all. They're not being honest and they don't seem to care about making their customers happy. When something goes wrong, I expect them to help me quickly and make things right, but they don’t care about their customers I really don't recommend this app to anyone unless you want to deal with constant problems and no support. I regret wasting my time and money. This app's customer support and business practices have left me feeling very disappointed. I can't give them more than one star.
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Response from developer

Hi, This is definitely not the experience we want you to have. Visit us on Bajaj Finserv App -> My Account -> Help & Support -> Raise a Request. Mention the ref ID EX070423-08 . Thank you. - Shashank

Do not take any loan from them

I recently got a call from Bajaj for OD and they have given few details on that based on the discussion I have submitted all my documents, later they have processed the documents and I got a call from credit department and they clearly told they will not give the amount what initial agent was confirmed and the amount disbursement and the amount initially offererwas different so I told them I don't want loan. The guy who called me and yelling me that why I said no to credit team. Worst part is , he is telling I should say yes to everything what credit team say but later he ll sanction what was committed. How that's possible. Later the agent was yelling at me that I have wasted his time and also he told me that he will make sure he will teach me a lesson , so people beg do not share your details to Bajaj market people . They are froud. I ll also file complaint against them in RBI
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Response from developer

Hi Harish, We regret for the less than satisfactory service. It is our constant endeavor to provide all our customers with the best service and we would like to make things right please click on the following link www.bajajfinserv.in -> Click on ""Contact us"" -> Click on ""Support"" -> Click on ""Email us"" and share the required details for a quick resolution. Thank you - Akash

Complain against agent

Dear team, I am your very old customer and I am very happy to use your service and that's why I recommend everyone your great service. I really like your paperless service but the last deal really makes me wrong. Your store agent (Irfan Ansari) assign me an RBL credit card without my concern and today I received it. When I ask him why my fingerprint is required he mentioned it for formality to disburse the loan. Even he took my adhar details on his personal email address and this thing looks very suspicious for me and I guess it does not fall under any business compliance. Just because of him I have to cancel all of my busy schedules and need to visit multiple branches to cancel the credit card. this cancellation will affect my credit score as well. I also noticed there is no feedback form or page or anything where I can describe this suspicious activity of your employee. Your request page is not working and throwing an error that’s why I have to share this feedback here..kindly take an action and acknowledge it else I have to take some legal way and I have the proofs.
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Response from developer

Hi, Sorry for the inconvenience caused. However, we need more details to address your concern we suggest to visit our website www.bajajfinserv.in -> Click on "Contact us" -> Click on "Support" -> Click on "Email us" and share the required details for a quick resolution. Mention the ref ID EX081922-03 for us to track it. Thank you - Aki

Horrible service

Bajaj is not at all customer oriented i must say ,
Had to face prblm when emi didn't get deducted due to bank issues.
One cannot make payment on said dates. You hav to pay on particular dates as mentioned by the company . So you better remember the dates . If u make the payment between 26th to 7 th of any month it wont be reflected and the guys will harass you by calling innumerable times a day ( even if u have made the payment ) plus cherry on cake you get a penalty)

Second month
Dats not all the customer representative don't have proper knowledge . Asked them if i can make the payment in their branch between 26th to 7 th person said yes . Once you reach the brach close to u. U get to know they "only give loans and don't accept payment "had to waste an entire day and visit the branch that accepts payment again they say the same thing make payment during the said date ..
This such a big big issue is this .

Y cant one make payment . When ever they want . If the payment not done u harras through calls .

Now tried paying my 2 nd emi app not working . Online payment the final page is not getting uploaded .
And now this employee is talking to me so rudely like - hooligan like you wait and watch we will send ppl at your place and blocked my card . Would definitely give up the card now and not recommend it to anyone
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Response from developer

Hi, We regret the experience. 1. 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. 2. For any other issues, we suggest to visit our website www.bajajfinserv.in -> Click on "Contact us" -> Click on "Support" -> Click on "Email us" and share the required details for a quick resolution. - Aki

App unusable on ios. Can’t login to view my open accounts and statements

I had major issues when I was in front of a local biller while buying something with respect to in app experience and I had just used the app successfully like 15-25 days back for a decent app experience in a big Multi brand showroom.
I had to pay a huge convenience fee which I couldn’t see the breakdown of because my app was not working and I couldn’t login to see what was happening behind the scenes of. I tried to login in front of the biller for 25 minutes straight and then gave up after he used text messages to complete my transaction. I had literally walked out of a store if the transaction couldn’t be completed just because of the app experience.
At the time of writing this review I still can’t login to see anything but the marketing menu’s which advertise products works flawlessly. It’s still says guest and I can’t glance over my account or EMI information, I have to ask the biller and then
Make calculations as to what I am agreeing to in a EMI transaction. Fix it please!
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Response from developer

Hi, Greetings for the day! 1. Request to clear the app data & cache 2. Ensure PAN/DOB/MPIN/OTP are updated correctly 3. If not resolved, 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 AS052122-01. Thank you - Rashmi