R
ReviewerVerified
6 months ago
I took an EMI card from Bajaj Finserv and later found a separate insurance premium bundled onto my account that I never knowingly opted into. Getting it reversed meant weeks of calls and repeating my case to different agents, and I'm still chasing the refund. Bundling charges without clear consent is unacceptable for a financial services company.
Bundled charge without clear consent
I've used Bajaj Finserv for two EMI purchases and an SIP, and overall it's been dependable with transparent charges. My only complaint is the app feels cluttered with too many cross-sell banners pushing insurance and loans every time I log in. The core service is good though.
Transparent charges
App pushes too many offers
Needed a personal loan for a medical expense and Bajaj Finserv pre-approved me based on my history, with the money in my account the next day. The interest was reasonable and there were no hidden surprises at signing. Reliable when you actually need funds quickly.
Pre-approved offer, next-day disbursal
Bought a refrigerator on Bajaj Finserv's no-cost EMI and the in-store approval took barely fifteen minutes against my existing card. The app shows every instalment clearly and the auto-debit has never failed. For everyday lending and EMIs this is exactly how it should work.
Instant EMI approval, clear app
I have a consumer durable EMI and an insurance policy through Bajaj Finserv, and the convenience of having them in one app is nice. But the experience varies a lot — the no-cost EMI was seamless while my insurance claim took far longer than promised. Genuinely mixed feelings about the group as a whole.
Everything in one place
Inconsistent claim handling