Bajaj Finserv Reviews 

Bad bad very very bad... most irritating company... never never opt for this

One of the worst finance in the world , Even this finance not deserve for 1 Star also.

Dear Sir/Madam,

I am writing to raise a serious complaint regarding the incorrect cheque bounce charge of ₹502 applied to my Bajaj Finance account.

I have send email 3 time your people not responding worrest empl. No reply no calls.

Worrest service don't buy any loans and products. I m really Dispointed.

I have two EMIs with Bajaj Finance. I deposited ₹4,000 into my bank account on 01 September 2026, specifically to ensure that sufficient funds were available for both EMI payments. The required amount was available in my account.

However, I received messages showing that the EMIs were processed/debited on 02 September 2026, and despite having sufficient funds available, a cheque bounce charge has been applied to my account.

Furthermore, I received the following notification today:

“Your mandate has been successfully executed on 05-09-26 and your account has been debited with ₹502.00 towards BAJAJ FINANCE LTD for the UPI Mandate, RRN 103998027083 – UCO Bank.”

This clearly requires an immediate explanation. If I had already maintained sufficient funds in my account and the EMI was subsequently processed, why was a cheque bounce charge of ₹502 collected from me?

I have attached my bank statement showing the transaction/deposit details for your verification. Kindly check the complete transaction history, including the EMI presentation date, mandate execution date, available balance, and the reason for applying the bounce charge.

I request you to immediately:

Refund the incorrectly charged ₹502 to my account.

Reverse/remove the cheque bounce charge from my Bajaj Finance account.

Verify both EMI transactions and provide me with a clear written explanation.

Confirm that no further incorrect charges or duplicate EMI debits will be made.

Provide confirmation once the refund and correction have been completed.

I have fulfilled my responsibility by maintaining sufficient funds in my account. I should not be penalized or charged for an error or delay in the processing of the EMI from your side.

This is causing unnecessary financial loss and inconvenience. I am extremely disappointed with the way this matter has been handled and expect immediate resolution without any further delay.

If the ₹502 is not refunded and the issue is not resolved promptly, I will be compelled to escalate the matter through the appropriate grievance authorities and, if necessary, approach the Consumer Court for further action.

Please treat this as an urgent complaint and resolve the issue immediately.

Regards,
[Mohd Najeeb ]
[Loan/Customer ID]
[Registered Mobile Number 9700452464]

This finance institute is really worst. I have money in my account and also Autopay is active. They didn't make transaction, instead put bounce fine of rupees 531 rs. Even if I haven't made any wrong, I was expected to pay fine and also it impacted my cibil score. On top of this, they keep on calling from AI support, who doesn't understand what I say. They are incapable of providing even basic customer support to know what went wrong

Personal loan Loan for 1,87,000.loan rate of interest 35% They charge 7216 rs as processing charges.then bajaj insurance Rs 5466 and niva bupa insurance rs 4000 .30 month tenure.I paid for 28 months.if i go for foreclosure they want me Rs 882 as foreclosure charges.so think of getting bajaj loan.day robbery.

I have never seen a worse finance company than this, their agents behave like goons and harass the customers a lot.

Very bad experience with bajaj app, since 15 days I'm trying to clear my upcoming emis even though app not showing payment option, facing this issue since long back, i couldn't able to issue resolve also.

Bajaj finance sub se bura or kharab or ghatiya finence hai ye company ke kam karne wale imploye gali se bat karte costumer se bahot heres karte call kar kar ke bahot taklif dete mai ye sajetion duga ke is company ke finence se koi product pe finence na kare inke charges bahot hai penalty bhi bahot lagate taklif bhi bahot dete ye company se jitna ho sake bache varna agar aap ne is company ka finence karwaya to ye log aap ka jina haram kar dege ye log bahot taklif dete

Very Bad Service & Customer Support

I am extremely disappointed with the service from Bajaj Finserv. I had already paid and cleared all my EMI dues and outstanding balance in full. My card was blocked previously, and even after clearing the complete amount, I am now facing the same issue again.

I have contacted customer care multiple times through email, but I have not received a proper solution or satisfactory response.

If all payments have been cleared, customers should not have to repeatedly contact support for the same issue. The customer service and complaint-resolution process need significant improvement.

Very poor experience. I would not recommend Bajaj Finserv based on my experience.

Very bad experience ❌❌❌NOt recommend to anybody , very high Interest and very high foreclosure charges, horrible experience,❌❌❌
They are ready to sell another loan to me at lower interest to foreclose the earlier loan.... but not ready to decrease the previous loan interest instead.
Will never recommend anyone to get loan from this bank ..The whole group is fraud.

Very worst communication and employees are very arogant ... especially sonali from headquarters branch nagpur..she said the cheque will disbursed on Tuesday and it got cleared earlier Monday and they are charging irrationally higher interest rate

I have taken a personal loan from Bajaj Finserv amounting to INR 3.2 lakhs. This month, due to my salary delay, I delayed paying the EMI by 5 days. The Bajaj Finserv people started calling me and speaking very rudely.

Overdue charge jyada katti hai company

Very high percentage of person loan I get (28-29%). Paid all emi on time but when I have some financial problem like illness and medical emergency...from few months I missed on time payment and then I faced their real face. They sent agent at my home who continueously trying to scared me and my family for do something bad with us. Very bad experience... I will say my all friends circle to never trust on Bajaj finance. Worst worst and worst....

Worst finance Bank ever . I will suggest do not go to this bank for your loan very bad service.

The bajaj finance service are looteras. I want to fore close my loan. It costs me 50000 to close that. This is ridiculous. Also ROI is very high.

Very bad service. The staff are very irresponsible in the Reliance Chembur Branch. I faced a lot of problems because of their irresponsibility

This is the Worst Company Ever. Any call from Bajaj Finserv please beware that you are talking to cheaters. They are like the Wolves in sheep. They Promise one thing and execute one thing. Manipulates the person and make us the bait. Very Very Fraudulent people. The Bajaj Finserv is not having the any morals to hire such a illegitimate, Unmoral, Unethical, cheaters.

Employee's behaviour is very rude to customer... If any emi missed by chance they hit to account continuously and add ecs charges continuously as no other company does... And pressurized to customer very badly

Very poor service and such a fraud bajaj Finserv company,I took pos bajaj Emi service machine for my store ,but service was not satisfactory,i requested the machine to be returned,but even after the return request,the machine was not collected by their representatives, despite this 4 months of rental charges were deducted from my account, when I contacted them regarding the refund process,I was told that the amount would not be refunded, this is extremely disappointing and unfair,i expect Bajaj Finserv to resolve this issue and refund the wrongly deducted rental amount