Bajaj Finserv (BFS): How to Register a Complaint with Bajaj Finance Limited (Bajaj Finserv Ltd)?

Bajaj Finserv Limited (BFS) is a Non-Banking Financial Company (NBFC) and holding company for financial services under the Bajaj Group. The financial solutions offered by BFS include general, and life insurance, auto financing, vehicle and health insurance, commercial and consumer loans, saving & investment products like mutual funds and deposits, mortgages (home loans), and security brokerage services.

As per the company, Bajaj Finserv is an unregistered Core Investment Company (CIC) under the Core Investment Companies (Reserve Bank) Direction, 2016 for NBFCs. Bajaj Finserv’s subsidiaries include:

• Subsidiaries of BFS with 100% holding:
  • Bajaj Housing Finance Ltd.
  • Bajaj Finserv Asset Management Ltd
  • Bajaj Financial Securities Limited
  • Bajaj Finserv Health Limited
  • Bajaj Finserv Ventures Limited
  • Bajaj Finserv Mutual Fund Trustee Ltd
• Bajaj Finance Limited
• Bajaj Finserv Direct Limited
• Bajaj Allianz General Insurance Company Ltd.
• Bajaj Allianz Life Insurance Company Limited

Have any complaints about the financial services of Bajaj Finserv (BFS)? Yes! Then surely you want a faster resolution from BFS of the pertaining issue. First, register a complaint with the officials or customer care representatives of the company through the toll-free helpline number, e-mail, or file a complaint online.

Not resolved or dissatisfied with the final response? Don’t worry, escalate the complaint with CRN (reference number) to Grievance Redressal Officer, Bajaj Finserv (Bajaj Finance).

Yet not satisfied with Grievance Officer? Escalate the disputed matter to the Principal Nodal Officer (PNO) of the company. For this, write a grievance letter or send your serious unresolved case by e-mail to the designated officer.

Note – Has the complaint not been resolved within 30 working days? You may approach the Banking Ombudsman, Reserve Bank of India (RBI). For the other disputed cases, you may approach respective regulatory bodies or tribunals like – for insurance, approach IRDAI and Insurance Ombudsman; for demat, stock market & securities, approach NSDL/CDSL or SEBI; and for housing loans, approach NHB (National Housing Bank).

How to File a Complaint to Bajaj Finserv Limited (Bajaj Finance)?

According to the Citizen Charter issued by Bajaj Finserv, the grievance redressal mechanism is divided into 3 levels. At each level, a dedicated officer is appointed to resolve the disputed financial issues or services offered by the company.

The resolution for products of Bajaj Finance Limited (BFL) includes:

• Consumer finance loans
• Auto finance loans
• Prepaid payment instruments (PPI)
• Mutual funds and investment

Want to file a complaint with Bajaj Finserv? Follow the given process to resolve the issues related to the financial services of the company.

The Levels of Grievance Redressal Mechanism of Bajaj Finserv:

The 3 levels of the grievance redressal mechanism of Bajaj Finserv and its subsidiaries are:

Level 1: Bajaj Finserv Customer Care – Call the customer representative through a toll-free customer care number (helpline), WhatsApp, or e-mail their concerns. Also register a complaint online through the Bajaj Finserv app, chatbot, portal, and online form.

Level 2: Grievance Officer of Bajaj Finserv – Dissatisfied with the resolution of level 1? Not resolved within 7 working days? Escalate to the Grievance Officer, Bajaj Finserv at level 2. Don’t forget to use the reference/ acknowledgment number to track the status and future reference.

Level 3: Principal Nodal Officer, Bajaj Finser – Raise your dissatisfaction by submitting a complaint with Principal Nodal Officer at level 3. You may also e-mail or write a letter to the Head of the Customer Experience Department, Bajaj Finance Ltd.

Note – If complaints are not resolved within 30 working days by appointed officials of Bajaj Finserv (days including levels 1, 2, and 3), you may file a complaint with the Banking Ombudsman, RBI (Reserve Bank of India) with the required information.

For other financial disputes including insurance and Demat accounts, approach the respective regulatory authority (mentioned below).

Additionally, for the violation of consumer rights, you may file a complaint with the National Consumer Helpline, Ministry of Consumer Affairs with supporting information.

Bajaj Finserv customer care number

In the initial stage, register a complaint with a customer care representative, helpdesk of the local branch, or regional branch manager of Bajaj Finserv.

Bajaj Finserv and its subsidiary financial companies including Bajaj Finance Limited (BFL), Mutual Funds, Allianz Insurance, and others have integrated customer care services. The dedicated toll-free customer care number is available where you can call and register your complaints.

An existing customer, calling from an unregistered mobile number? The required details:

• Registered mobile number
• Customer ID
• Fixed deposit application ID (If the issue belongs to FD)
• Bajaj Finserv EMI Network Card Number (For matters related to EMI card)

If you are calling from a registered mobile number, need not share this information with the representatives. Be aware, don’t share any financially or personally sensitive information with any customer care representatives, including the official staff of the Bajaj Finserv.

The details of the Bajaj Finserv helpline number and customer care number of Bajaj Finance (BFL):

Note – Not resolved within 7 working days or dissatisfied with the final response of Bajaj Finserv customer care representatives? Escalate the complaint to the appointed Grievance Officer and further write to the Customer Experience Head of Bajaj Finserv (Corporate Office) with the noted reference/ acknowledgment number.

File a complaint online

The easy and fast way to raise a concern with the designated customer service officers is the digital mode. You can file a complaint online to Bajaj Finserv through the customer portal, Bajaj Finserv app, and Blu on Google Assistant (required integration with account).

Additionally, you may walk to the nearest branch to seek help from the helpdesk or submit a written complaint to the respective branch manager of the Bajaj Finserv/Finance office.

Follow these instructions to submit your complaint online:

• Visit the link given below
• Login using a registered mobile number and password (for existing customers)
• Not an existing customer? Fill out the online form with the required details
  • The issues may include Loan, EMI, FD, Insurance, Credit Card, or recovery/collection-related services
  • Report fraud, unwanted promotional calls, rewards, or problems related to the Finserv App login
• In the final step, submit your concern by mentioning the description of your issue and supporting evidence (if any)

Don’t forget to note down the CRN (reference number) or acknowledgment receipt of the submitted complaint. Use it to track status and escalate, if not resolved as per your satisfaction.

Details and links to file an online complaint with Bajaj Finserv Limited:

The alternative ways and social channels of Bajaj Finserv where you may also raise your complaints with basic details of the issues. Don’t share in public your financial or personal information including customer ID and mobile number.

Alternative ways to submit a complaint pertaining to Bajaj Finserv:

Note – Dissatisfied with the final resolution? Has the complaint been not resolved within 7 working days? Escalate the grievance to the appointed Grievance Officer of Bajaj Finserv Limited. You may use the previous reference or acknowledgment number to escalate the disputed case (Details are given in the section below).

Grievance Officer, Bajaj Finserv Ltd

The Grievance Redressal Officer is an officially appointed member of Bajaj Finserv Limited to whom you can escalate unresolved or unsatisfactory complaints related to financial products & services of the company.

In brief, if the final redressal provided by the customer service team of the company does not meet your expectations (dissatisfied) or the submitted complaint/query/inquiry is not resolved within 10 working days, escalate the matter to the designated Grievance Redressal Officer (GRO), BFS.

Must include this information:

• CRN (reference number) or acknowledgement receipt detail
• The subject of the issue
• Reason for dissatisfaction
• A brief description of the issue with supporting facts and evidence

Email or send a written grievance letter mentioning this information to the Grievance Officer at the official contact details:

Note – In certain cases, if your complaint is not heard by the Grievance Redressal Team within 3 working days, you should forward the Email to the Customer Experience Head of the company at customerexperiencehead@bajajfinserv.in with reference or request number.

Not satisfied with the resolution? Has no action been taken? Escalate your case to the Principal Nodal Officer of the company.

Principal Nodal Officer, Bajaj Finance Limited

As per the integrated ombudsman scheme of RBI for NBFCs, Bajaj Finance Limited has appointed a Principal Nodal Officer to whom customers can raise a concern related to unsatisfactory or unresolved complaints.

So, if you are not satisfied with the resolution delivered by the Grievance Officer or customer care executives of the company, Email or write a complaint letter to the Principal Nodal Officer at:

Need more information? Visit the finance corporate Ombudsman page of Bajaj Finserv and select Principal Nodal Officer from the product type.

Banking Ombudsman, RBI

If your complaint or any submitted concern is not redressed by Bajaj Finserv Limited within a period of 30 days, as per the Ombudsman Scheme of 2021, file a complaint with the Ombudsman of RBI, or send a written or filled complaint form to the Centralised Receipt and Processing Centre of RBI. Visit the link below.

Click: File a complaint with Banking Ombudsman, RBI

If you want to e-mail or send a written complaint, download the form for the Ombudsman of RBI, and fill out the required information.

Have disputes with other financial or investment services of Bajaj Finserv or its subsidiary? Approach the respective regulatory/statutory bodies or tribunal of the government, as mentioned below:

• For cases of Demat account and the stock market, approach the Securities and Exchange Board of India (SEBI)
• For disputes about pensions, approach Pension Fund Regulatory and Development Authority (PFRDA)
• For violation of consumer rights or consumer disputes, approach National Consumer Disputes Redressal Commission (NCDRC)/Consumer Court

Suggestion – Even after approaching all respective authorities, if you are not satisfied with the final orders, seek help from a legal expert for further available options. This may help if you desire to take legal action against Bajaj Finance Limited (BFL) or its subsidiary.

Auto Finance Loans: Submit a complaint  to Bajaj Finance (BFL)

Bajaj Finance Limited (BFL) is committed to resolving customer complaints, queries, and problems related to Auto Finance loans and insurance. Statewise helpline numbers and IVR have been provided, you may dial the respective customer care number to register your complaint.

State-wise customer care numbers of Bajaj Finance:

You may call the Bajaj Finance helpline number or register a complaint online through the online customer portal, Email, MyBAFL app, WhatsApp, or visit the nearest branch.

Details to lodge a complaint with Bajaj Finance Limited (BFL) about Auto Finance loans and other financial services:

Dissatisfied with the response or not resolved within 10 days? Escalate the case by writing or e-mailing your concerns to the appointed Head of Customer Service, Bajaj Finance Limited.

Head Customer Care, BFL

According to the grievance redressal policy of  Bajaj Finance Limited, if you are not satisfied with the final response/ resolution of the company or if submitted complaints are not resolved within 10 working days (without any response), escalate it to the Head of the Customer Service, BFL.

You may Email or write a letter to the Head Officer with the reference/acknowledgment number of your submitted complaint. Send at the official address or e-mail to:

You may get a response within 7 working days. If this does not happen or dissatisfied with the final response, as per the escalation matrix, write to the Nodal Officer, Bajaj Finance.

Nodal Officer, Bajaj Finance Limited

The Nodal Officer is the apex office that you can approach if you are still not satisfied with the final resolution of the Head of Customer Service of Bajaj Finance. You may write a grievance letter, call on the contact number, or Email your concerns with CRN/acknowledgement details to initiate an investigation.

Must Provide:

• Reference or acknowledgement receipt of submitted complaint
• The nature of the complaint
• Description of the issue with the reason for dissatisfaction
• The supporting documents, images, or evidence (if required)

Email or send a written letter to the official contact details of Nodal Officers of Bajaj Finance Limited (BFL):

You may get a response to the submitted complaint within 7 working days.

Note – If your complaints are not resolved within 30 working days or dissatisfied with the final resolution of the Nodal Officer, approach the Banking Ombudsman, RBI by writing a letter to RBI for redressal of your grievances at:

• Address: Officer In Charge, RBI, Reserve Bank of India, Mumbai Regional Office, DNBS, Fourth Floor, Opp. Mumbai Central Station, Byculla Mumbai 400008.
• Phone No: +912224964910, +9124914755
• Email: helpdnbs@rbi.org.in

Additionally, you may also approach the respective regulatory authorities for:

• For disputes about housing loans, approach National Housing Bank (NHB)
• For cases of insurance, approach Insurance Ombudsman (IRDAI)

Issues to be resolved

Major financial products & services of Bajaj Finserv and Bajaj Finance Limited, you may complain about and can be resolved by the appointed customer agents and officers, are:

• Loans
  • Personal, Insta, MSME, and business loans including two-wheeler, home, and mortgage loans from BFL
  • Education loan on your property, personal loan for self-employed individuals, or any loan against property
  • Finance services for professionals like loans for Doctors or Chartered Accountants
• Insurance
  • General, health, or vehicle (two-wheeler, car, or bike) Insurance with specified policies
  • Life insurance including pocket insurance, investment plans of Bajaj Allianz Life Insurance, pocket subscriptions, and other partnered plans
• Investments
  • Saving-based fixed deposit (different FD plans) and systematic deposit plan of BFS for investment
  • Mutual Funds (SIP, Hybrid, equity, debt funds, etc.) and Stock Trading (stock market, demat account, and securities trading services)
• Wallets & Cards
  • BFS payment Wallet including auto payments, billing & recharge, and loan repayment
  • Various financial credit or EMI cards of Bajaj Finserv including Bajaj Finserv Insta EMI Card, RBL Bank SuperCard, DBS Bank credit card, and Health EMI Network Card
• Other financial services
  • Bajaj Mall – Financing of fashion, retail, and consumer products at Bajaj Mall including smartphones, electronics products, fitness equipment, two-wheelers, etc.
  • EMI (Equated Monthly Installment) for electronics products, lifestyle, travel (Includes MakeMyTrip, Yatra, Goibibo, and holiday packages), two-wheelers, etc.
  • Issues with payment services through the Bajaj Finserv App including Wallet, UPI, transactions, bill settlements, loan repayment, etc.

Frequently Asked Questions about Bajaj Finserv Limited

Q. What is the customer care number of Bajaj Finance?
A. To register a complaint or raise a request, dial the Bajaj Finserv customer care number +918698010101 or Email wecare@bajajfinserv.in with your concerns.

Q. How can I register a complaint about Auto Finance Loans?
A. Dial the Bajaj Finance (BFL) helpline number of the respective state, Email bflcustomercare@bflaf.com, or WhatsApp +919607200770 to submit your complaint about Auto Finance loans.

Q. What can I do if my complaints are not resolved by the customer care team of Bajaj Finserv?
A. In this condition, first escalate the complaint to the appointed Grievance Redressal Officer, if the issue is not resolved within 10 working days. Further, you may lodge a grievance to the Principal Nodal Officer, Bajaj Finance Limited.

Q. Where can I approach if I’m not satisfied with the final redressal of the company?
A. Certainly, you can approach the Banking Ombudsman, RBI. Additionally, if your complaints are not redressed within 30 working days then you may file a complaint with the Ombudsman of Reserve Bank of India.

For other financial disputes like insurance, securities & stock market, or home loans, approach the respective regulatory bodies Insurance Ombudsman, SEBI, or NHB.

Reference

• Citizen Charter – Bajaj Finserv Ltd
• Grievance Redressal Policy – Bajaj Finance Limited
• About Bajaj Finserv Limited