Bajaj Finserv App Reviews, Customer Care Number & Details

Personal loan from Bajaj Finserv with amounts up to Rs 55 lakh and flexible EMI options.

This Bajaj Finserv app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Bajaj Finserv customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 14 June 2026

Bajaj Finserv is India's most accessible large NBFC lender. A low 685 CIBIL minimum, a huge ₹55 lakh ceiling and disbursal within 24 hours make it a genuine option for borrowers a bank would reject.

But the cost story is the catch. The advertised 10% is a floor for top profiles, and the real band runs all the way to 31% — one of the widest in the market. This review is blunt about that spread, and about the Flexi loan, whose low "interest-only" EMIs can quietly cost you more overall.

Quick Facts

4.6★ · 30L

Play Store

₹55L

Max Loan

10.00% – 30.50% p.a.

Interest Rate

Within 24 hours

Disbursal

12 – 96 months

Tenure

0.5% – 3.93% of loan amount

Processing Fee

Rs 35,000 per month

Min Income

Play Store rating sourced from Google Play, as of 16 Sept 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 4.0/5

Typically within 24 hours of approval, with frequent pre-approved offers for existing customers.

Interest & cost 3.0/5

A wide 10–31% band — the 10% is a floor for top profiles, and the Flexi loan adds total cost and a separate annual fee.

App experience 4.0/5

The app rates ~4.8★ in-store, though independent review sites are far harsher about lending conduct.

Customer support 3.0/5

Some users report insurance add-ons, undisclosed fees and slow resolution of charge disputes.

Safety & transparency 4.0/5

An RBI-registered NBFC (Bajaj Finance Limited), but the wide band and Flexi mechanics need careful reading.

Loan Details & Charges

Loan Amount Rs 40,000 – Rs 55,00,000

Interest Rate 10.00% – 30.50% p.a.

Tenure 12 – 96 months

Processing Fee 0.5% – 3.93% of loan amount

Late Payment 2% per month on overdue amount

Prepayment Part-prepayment allowed after 12 EMIs; charges apply

Foreclosure Allowed after 12 EMIs with applicable charges

Bounce Charges Rs 800 per bounce

Eligibility Criteria

Age 21-59 years

Min Income Rs 35,000 per month

CIBIL Score 685+

Employment salaried, self-employed

Documents PAN Card, Aadhaar Card, Salary slips (3 months), Bank statements (6 months), Employment proof

What It Actually Costs

Loan amount ₹5,00,000

Tenure 48 months

Monthly EMI ₹13,915

Total interest ₹1,67,920

Processing fee Up to ₹12,500 (2.5%) + GST

Total repayment ₹6,80,420

Illustrative at a ~15% mid-band rate for a near-prime borrower. Your actual rate (10%–30.5%) depends on your profile. A Flexi loan would show a lower monthly EMI but a higher total cost.

Try the Bajaj Finserv EMI calculator

Pros

Low 685 CIBIL minimum — approves thinner files than most banks
Very high ceiling up to ₹55 lakh and long tenure up to 96 months
Disbursal within 24 hours, with frequent pre-approved offers
An RBI-registered NBFC (Bajaj Finance Limited) with a strong app
The Flexi facility is genuinely useful for borrowers with lumpy, recurring cash needs

Cons

One of the widest rate bands here (10–31%) — most borrowers land well above the 10% floor
The Flexi loan's interest-only EMIs lower your monthly payment but raise total cost, plus a separate annual Flexi fee
Some users report insurance/membership products and fees added without clear disclosure
Processing fee up to 3.93% plus GST
Part-prepayment and foreclosure only after 12 EMIs, with charges

Our Verdict

Bajaj Finserv is the most accessible large NBFC lender here — a low 685 CIBIL minimum, a huge ₹55 lakh ceiling and disbursal within 24 hours. For thin-file borrowers a bank would reject, that access is genuinely valuable. But the cost is the catch. The advertised 10% is a floor for top profiles, and the real band runs to 31% — one of the widest in the market, so the borrowers most likely to be let in are the least likely to get the headline rate. Be especially careful with the Flexi loan, whose low interest-only EMIs lower your monthly outgo but raise your total cost and carry a separate annual fee. Read the sanction letter line by line — some users report insurance and other charges added without clear disclosure.

Who Bajaj Finserv suits

Near-prime borrowers (CIBIL 685+) a bank would decline

Larger-ticket borrowers needing up to ₹55 lakh

Existing Bajaj customers with a pre-approved offer

Borrowers with genuinely lumpy cash needs who understand the Flexi mechanics

Look elsewhere if

You have a clean 750+ file — a bank like HDFC or ICICI will likely be cheaper

You want a simple, lowest-total-cost term loan — avoid the Flexi unless you understand it

You want zero cross-sell — read every line of the sanction letter

Things to Watch

The advertised 10% is a floor for top profiles; the real band runs to 31%, so confirm your actual rate before accepting
The Flexi loan's low interest-only EMIs raise your total interest paid and carry a separate annual Flexi facility fee — make sure you understand it before choosing it
Some users report insurance/membership products and charges (flexi fee, annual maintenance) added without clear disclosure — read the sanction letter line by line and ask for a full charges breakdown

How to Apply for Bajaj Finserv

1

Check your offer

Open the Bajaj Finserv app or website, enter your mobile number and OTP, and view your pre-approved or eligible offer.
2

Enter your details

Provide personal, employment and income details, then choose your amount and tenure.
3

Complete KYC

Verify Aadhaar and PAN and complete bank verification.
4

Receive funds

On approval, money is disbursed within 24 hours. Before signing, ask for a full charges breakdown.

Documents Required

KYC: Aadhaar, passport, voter ID or driving licence

PAN card

Last 2–3 months' salary slips

Last 3 months' bank statements

Employment proof

What Real Users Say

The Bajaj Finserv app rates around 4.8★ on the Play Store with 100M+ installs, though independent review sites skew far more negative — a sign the gripe is with lending conduct, not the app itself.

In-store ratings are high, but consumer-forum sentiment is much harsher.

What users love

Borrowers praise the fast disbursal, the all-in-one app, and approval for mid-range CIBIL files banks reject.

Common complaints

Some users report insurance add-ons and undisclosed fees, aggressive sales calls, and slow resolution of charge disputes.

How Bajaj Finserv Compares

vs HDFC Insta Personal Loan — HDFC starts lower on paper with a capped flat fee but wants a cleaner 750+ file — Bajaj wins on access and ticket size, HDFC on cost for clean files.

vs ICICI Bank Personal Loan — ICICI is bank-grade on conduct and cost if you qualify; choose Bajaj if you need a thinner-file approval or a larger ₹55 lakh ticket.

vs KreditBee — KreditBee is for small, fast app loans with looser income rules; Bajaj is better for larger amounts and a lower floor, though neither is cheap at the top of its band.

How we tested

We reviewed Bajaj Finance's published rates, fees and Flexi-loan mechanics, cross-checked the lender against RBI NBFC records, and read recent borrower feedback across the Play Store and consumer forums. Conduct complaints are user-reported allegations, not adjudicated findings. Figures are accurate as of mid-2026 and are profile-dependent — always confirm your actual offer and a full charges breakdown before borrowing.

Bajaj Finserv Customer Support Details

Bajaj Finserv's consumer-finance call centre is chargeable, not toll-free, and it does not serve auto-finance customers — those route to separate state-wise numbers. For written escalation, the grievance redressal team's address is the one to use; Bajaj publishes it in its Citizen's Charter alongside defined response timelines.

Bajaj Finserv customer care number	8698010101
Bajaj Finserv WhatsApp number	NA
Bajaj Finserv customer support email ID	NA
Bajaj Finserv grievance officer email	grievanceredressalteam@bajajfinserv.in

Verified from Bajaj Finserv's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. All lender, bank & insurer contacts →

Frequently Asked Questions

What interest rate will I actually get from Bajaj Finserv?

The advertised 10% is a floor for top-tier profiles. The real range is 10%–30.5% p.a., and most borrowers — especially those near the 685 minimum CIBIL — land in the mid-teens to low-20s. Your rate depends on your CIBIL, income, employer, amount and tenure.

Can I get a Bajaj personal loan with a 685 CIBIL score?

Yes — 685 is Bajaj's stated minimum, which is more lenient than most banks. But approval at the low end of the score range usually means a higher interest rate, not the headline 10%.

What's the catch with the Bajaj Flexi Personal Loan?

Interest-only EMIs lower your monthly payment, not your total cost. Because the principal does not reduce during the interest-only phase, you typically pay more total interest than a normal reducing-balance loan — plus a separate annual Flexi facility/maintenance charge.

Does Bajaj add insurance or extra fees to the loan?

Some users report insurance or membership products and charges (such as a flexi fee or annual maintenance charge) being added without clear upfront disclosure. Read the sanction letter line by line and ask for a full charges breakdown before signing.

How fast is disbursal and what do I need to apply?

Disbursal is typically within 24 hours of approval. You generally need KYC (Aadhaar/PAN), recent salary slips and/or bank statements, and you must meet the age (21–59), income (₹35,000/month) and CIBIL (685) criteria.

Is Bajaj Finserv RBI registered?

Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.

What is the Bajaj Finserv customer care number?

The Bajaj Finserv customer care number is 8698010101. Always cross-check this against the number shown inside the Bajaj Finserv app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.

How do I file a complaint against Bajaj Finserv?

Work the escalation ladder in order. First, raise the complaint with Bajaj Finserv support and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at grievanceredressalteam@bajajfinserv.in. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from Bajaj Finserv recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (grievanceredressalteam@bajajfinserv.in), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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