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Contributor‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
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Bajaj Finance Limited is one of India's biggest non-banking financial organisations (NBFCs), providing a diverse variety of financial services such as personal loans, house loans, credit cards, fixed deposits, and insurance. Bajaj Finance, known for its smooth digital services and provides millions with easily accessible and effective financial solutions.
Let's take a look at how Bajaj Finance customer service helped in one such case.
Bajaj Finance provided Neha, a Jaipur schoolteacher, with a personal loan to pay for her mother's medical expenses. While the loan disbursement and documentation went smoothly, she later realised her EMI status was "overdue" despite the fact that the payment had been auto-debited from her account.
Worried, Neha used the Bajaj Finserv App to raise a service request and also contacted a Customer Service agent through the help section from the app. Within hours, a representative confirmed it was a system sync issue, resolved it promptly, and assured her that no penalty would be applied.
Thanks to Bajaj Finance’s fast and responsive support system, Neha’s issue was fixed the same day, without any stress or delay
Example - Neha might have been subject to a fine of at least ₹500 if her EMI of ₹4,500 had been marked as past due because of a system error. However, because she reported the problem swiftly via the Bajaj Finserv App and had it rectified the same day, she avoided any additional expenses and charges.
The Bajaj Finance is the backbone of India’s banking infrastructure, serving over 45 crore customers across the globe. With such a massive customer base, issues related to banking services are bound to occur.
To ensure smooth resolution and continuous customer satisfaction, Bajaj Finance has put in place a robust and responsive General Customer Support system. These helplines serve as a lifeline for customers, assisting with a wide range of banking needs, from basic account queries to troubleshooting digital banking problems.
Example - Neha from Jaipur had an auto-debited EMI of ₹4,500 identified as late. She submitted a request through the app, and the problem was rectified within 4 hours. She was able to escape a possible ₹500 late fee because of the rapid assistance, demonstrating the significant impact of Bajaj's prompt action.
Bajaj Finance offers multiple toll-free numbers to ensure that customers can access help anytime and from anywhere in India:
These numbers can be dialled from any mobile phone or landline across India without incurring any charges. Whether it’s a weekday or a public holiday, these lines are open 24x7, ensuring uninterrupted support.
The general customer support numbers are meant for addressing a broad range of customer concerns and services. Here are common situations where you might need to reach out:
Even if you’re unsure about the department you need, the general helpline team can either assist you directly or redirect you to the appropriate specialised support channel.
These numbers are specifically meant for credit card-related queries, available 24x7, including weekends and holidays. You can dial this number for assistance with your existing card or to get information on a new credit card application.
Activate your Bajaj Finance credit card effortlessly via the mobile app, the website, or by calling customer service.
Having trouble with your bills? Whether it's a duplicate charge or an unauthorised transaction, simply file a dispute; your case will be investigated and, if legitimate, reversed.
Need more credit? You can request a temporary or permanent increase in your credit limit based on your spending and repayment history.
Quick actions, fast results—Bajaj Finance ensures your credit card experience stays smooth and stress-free.
If your credit card is lost or stolen, you must immediately report it to Bajaj Finance to prevent misuse. The helpline team will instantly block the card and initiate the replacement process. The new card is typically delivered within 7 working days.
For urgent cases, you can also send an SMS typing BLOCK XXXX (last 4 digits of your card) to 8698010101 from your registered mobile number.
Bajaj Finance provides specialist services for Non-Resident Indian (NRI) customers to help them manage their financial requirements efficiently.
In order to safeguard your finances, take immediate action if your card is lost or stolen, or if you notice fraudulent activity.
Actions to Take: Block your card immediately.
Note:- Check your account statements regularly for unauthorised transactions and report them as soon as possible.
If your Bajaj Finserv EMI Network Card or credit card is lost, stolen, or compromised, you must immediately stop it to avoid unauthorised transactions. Here's how.
Access is available through the Bajaj Finserv app or website under where you will find "Help & Support." The chatbot can help with loan tracking, document downloads, and basic queries.
Twitter:- @BajajFinance. From their Twitter handle, you can directly tag them and tweet regarding your concern, and they will get back to you within 2-3 working days.
Facebook:- Currently, they are working on the Facebook page. They'll get back soon in future.
Customers can initiate their grievances through the following channels:
The company aims to resolve your complaints within 7 working days from the date of receipt
If the response at Level 1 is inappropriate or does not arrive within the timeframe specified, then the consumers can escalate the matter to the Grievance Redressal Officer:
The Grievance Redressal Officer will investigate the complaint and resolve it within 7 working days.
If the issue is still not resolved on Level 2, customers may escalate it to the Principal Nodal Officer.
Contact Information: Available from the Bajaj Finserv Corporate Ombudsman.
The complaint will be addressed by the Principal Nodal Officer, who will work to resolve it as quickly as possible.
If a customer's complaint is not resolved within 30 days, they can contact the RBI Ombudsman via www.bajajfinserv.in.
Note:- It is important to remember that complaints should be made with the RBI Ombudsman within one year of receiving the final response from Bajaj Finance, or after 30 days if no response is received.
Bajaj Finance provides comprehensive customer service across several channels, including 24x7 helplines, a mobile app, email, and portal access, to address everything from EMI concerns to credit card disputes and loan enquiries.
To get the finest loan alternatives from Bajaj Finance and other leading lenders, you may also check out LoansJagat, a reliable portal for tailored loan comparisons and speedy approvals.
How can I find my Bajaj Finance EMI due date?
Log in to your Bajaj Finance account either on the app or the website. For further information about EMIs, see the 'Loans' section. Check your registered email or SMS for reminders.
What if I miss my Bajaj Finance EMI payment?
A late fee will be incurred, which may affect your credit score. Pay the outstanding payment quickly using the app/website. Contact customer service to avoid more penalties.
How can I update my Bajaj Finance-linked mobile number?
Bring your ID with you to the nearest Bajaj Finance branch. Submit a request for a mobile number update. The adjustment will be reflected within two working days.
Why was my Bajaj Finance loan application rejected?
Low credit scores, inadequate documentation, and eligibility mismatches are all possible factors. Review the app/SMS rejection reasons. You can reapply after addressing any concerns.
How can I trace my Bajaj Finance customer service complaint?
Use the complaint reference number you received by SMS/email. Check the status on the website/app under 'Complaints.' Unresolved issues can be escalated by calling a toll-free phone number.
Are there any grace periods for Bajaj Finance EMI payments?
There is no formal grace period; to avoid penalties, pay on or before the due date. Late payments attract fines and have an influence on your credit score. Set up autopay to ensure timely payments.
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