Your Loan, Your Way: Manage Everything Online
The journey after disbursal is just as simple and straightforward when you avail of a loan from Bajaj Housing Finance. From loan monitoring to management, everything can be done online, without the hassle of branch visits or numerous phone calls. In the truest sense, enjoy service at your fingertips through our array of customer-service channels.
Whether you need to view your loan balance, download important statements and documents, or make part-prepayments multiple times a month, our app and portal serve as one-stop solutions to meet your needs. With features like real-time notifications, multiple secure login options, and user-first navigation, you can manage your account with ease. If you have a concern that was not addressed to your satisfaction, you can even reach us personally through our grievance channels.
We remain committed to providing a hassle-free, efficient experience, ensuring service at your fingertips every step of the way.
Features and Benefits: App and Portal
Service at Your Fingertips
Get instant access to your loan overview, payment schedule, and outstanding balance. The dashboard is designed for intuitive navigation, making it easy for users to find important information quickly.
Real-Time Notifications
Receive timely updates about EMI due dates, transaction confirmations, and promotional offers, ensuring you never miss a beat on your financial obligations and opportunities.
Flexible Login Options
Access your account effortlessly with the traditional password method or choose the convenience of one-time password (OTP) authentication or MPIN for quicker access.
How to Use Your Account: Steps to Login via Portal & App
Portal Login:
1. Visit the Portal: Click on ‘Login’ on the top right corner of our website and click ‘Customer’ from the dropdown menu.
2. Enter Your Credentials: Provide your registered email ID or mobile number/email. You can choose to log in using a password or receive an OTP on your registered mobile number or email for one-time access.
First-time users are encouraged to set up an MPIN for subsequent faster logins. Follow the prompts to complete this setup.
App Login:
1. Download and Install: Download and install the Bajaj Housing Finance app from the App Store or Google Play Store.
2. Open and Register: Launch the app and similar to the portal, enter your customer ID or registered mobile number/email. Choose to set up an MPIN or use existing login credentials. You can also login using your MPIN.
Managing Documents and Statements
Accessing Documents:
- Statement of Account:
1. Navigate to the ‘Request’ section in the portal and click on ‘Loan Statements’. Here, you can view and download your Statement of Account for the desired loan account.
2. Select the desired loan account on the App and click on e-Statements. You can view and download your document from here.
- Repayment Schedule:
1. Once you are logged in to the portal, you can go to ‘Loan Statements’ after clicking on ‘Request’ in the left hand section. The repayment schedule can be viewed or downloaded from the Loan Statement window.
2. Similar to ‘Statement of Account’, the Repayment Schedule can be downloaded from the e-statements section on the ‘Loan Details’ page.
- Interest Certificates:
1. These are vital for planning your financial year and tax submissions. Go to the ‘Loan Statements’ tab, select the document type you need, specify the year, and download the document from the portal.
2. You can also access it through the App from the ‘e-statements’ section on the ‘Loan Details’ page.
Payment Options
EMI Management:
- EMI Payment: Go to the ‘Payments’ section, select ‘Pay Now’, and enter your bank details to make an EMI payment.
Advanced Payment Features:
- Prepayments: To make a prepayment, visit the ‘Prepayment’ section, enter the amount you wish to pay, and follow the instructions to complete the transaction.
- Part-Payments and Advance Payments: Similar to prepayments, part-payments can be made through the same section by specifying the amount that is less than the total loan outstanding.
Loan Management
Feature-Rich Loan Handling:
- Account Swapping for Repayment: If you need to change the bank account from which your EMI is deducted, go to ‘Account Settings’, select ‘Change Bank Details’, and follow the prompts to update your information.
- Adjusting EMI and Tenor: Modify your EMI or loan tenor by selecting ‘Loan Adjustment’ under the loan management tab. This feature allows for recalculating your EMI based on the new tenure or installment amount.
Empowering Customers - Service Channels
Service Request (SR) Management:
- Raising New SRs: From the dashboard, click on ‘Service Requests’, select ‘Create New’, and fill in the details of your request.
- Tracking SRs: Existing requests can be tracked in the ‘Service Requests’ section by selecting ‘Track My Request’.
Interactive Channels for Assistance:
- WhatsApp and Chatbot Interaction: Engage with our automated systems or customer service representatives via WhatsApp for real-time assistance.
- IVR Support: For queries that require immediate attention, our IVR system is equipped to guide you through common troubleshooting steps or connect you with an agent.
Cross-Sell Opportunities
Exploring Additional Offers:
- Pre-Qualified Loans: Check the ‘Offers’ tab for any pre-qualified Top-up Loans or additional financing options tailored to your profile.
- Referral Program: Refer friends or family through the ‘Refer and Earn’ section and receive benefits after successful loan disbursement to the referred individual.
- Top-Up Applications: Apply directly for a Top-up Loan on your existing loan through the ‘Loan Top-Up’ section, which guides you through the eligibility criteria and application process.
This service pillar page is your gateway to managing all aspects of your loan with Bajaj Housing Finance Limited. Our goal is to ensure that every interaction with our digital tools is as informative and user-friendly as possible, empowering you to take charge of your financial journey effectively.
