Do I need to be registered to raise a COI request?

Yes, you should be registered on the BHFL Customer Portal to access loan-related services such as raising a COI request.

How long does it take to receive my COI?

Once the request is submitted, your Certificate of Insurance is typically issued within 1–2 working days.

Is there a fee for raising a COI request?

There is no fee for raising a COI request, or any service request on the BHFL Customer Portal.

What information do I need to raise a COI request?

Since you are already registered on the BHFL Customer Portal, you will need no further information to raise the request, except for your LAN, in case you have more than one loan account.

How can I track my Certificate of Insurance request status?

You can log in to the BHFL Customer Portal and check the ‘Service request history’ section for real-time updates.

How to Raise a Service Request for COI on BHFL Portal

2 min 22 Jul 2025

Highlights:

What is a Certificate of Insurance (COI)?
Why You Need a Certificate of Insurance?
Steps to Raise a Certificate of Insurance (COI) Request on the BHFL Customer Portal

Your Certificate of Insurance (COI) is an important document that confirms the coverage of your Home Loan insurance policy. It is typically issued at the time of loan disbursal and serves as proof of your insurance details. Whether you need it for record-keeping, refinancing your property, or switching insurance providers, keeping your COI readily accessible is essential. With Bajaj Housing Finance, you can conveniently view and download your Certificate of Insurance through our online platform.

What is a Certificate of Insurance (COI)?

A Certificate of Insurance (COI) is an official document issued by your insurer that confirms your Home Loan is covered under a valid insurance policy. It contains key policy details given in the table below:

Detail	Description
Policyholder Name	Name of the borrower insured under the Home Loan insurance policy
Insurance Policy Number	Unique policy number assigned by the insurance provider
Insured Property Address	Address of the residential property covered under the insurance policy
Sum Insured	The insured amount specified under the policy, which may be linked to the loan amount or policy terms
Policy Coverage Period	The commencement date and expiry date of the insurance policy

The COI serves as proof of your active Home Loan insurance coverage. You may need to present this document while refinancing your loan, opting for a Home Loan Balance Transfer, or whenever it is requested by financial institutions or other authorised entities.

Why Do You Need a Certificate of Insurance?

While understanding what a Certificate of Insurance (COI) is important, it is equally useful to know why it matters for Home Loan borrowers. A COI serves as proof that your Home Loan is covered under a valid insurance policy and provides easy access to your policy details whenever required.

You may need to present your Certificate of Insurance in situations such as:

Applying for a Home Loan Balance Transfer
Refinancing or selling your property
Confirming insurance coverage with a financial institution or other authorised entity
Updating your insurance or loan-related records

Keeping your COI readily available can help simplify documentation, verify your insurance coverage, and support a smoother experience during loan-related processes.

How to Request Your Certificate of Insurance (COI)

You can request your Certificate of Insurance through the Bajaj Housing Finance Customer Portal by following these steps:

Step 1: Log in to the Customer Portal using your registered contact details or Customer Identification File (CIF).

Step 2: Click on the 'Help' icon available on the dashboard.

Step 3: On the 'Support Services for You' page, select 'Insurance and Other Value Added Services' from the first drop-down menu.

Step 4: Choose 'Insurance' from the second drop-down menu.

Step 5: From the third drop-down menu, select 'Please Send Certificate of Insurance'.

Step 6: If you have multiple active loan accounts, select the relevant Loan Account Number (LAN) from the available options.

Step 7: Click 'Submit', followed by 'OK', to confirm your request.

Step 8: The next screen will display the status and delivery details of your COI request. If you are still unable to access the document, you can raise a service request from the same page for further assistance.

Once your request is processed, the Certificate of Insurance will be sent to your registered email address within the applicable turnaround time.

Frequently Asked Questions

You need to be registered on the Bajaj Housing Finance Customer Portal to access loan-related services, including requesting your Certificate of Insurance (COI).

After you submit your request, your Certificate of Insurance (COI) is generally shared within 1–2 working days, subject to the applicable processing timelines.

You can raise a Certificate of Insurance (COI) request through the Bajaj Housing Finance Customer Portal at no additional cost. There is no fee for submitting this or other eligible service requests on the portal.

If you are already registered on the Bajaj Housing Finance Customer Portal, you can raise a COI request without submitting any additional information. If you have multiple loan accounts, simply keep your Loan Account Number (LAN) handy to select the relevant account while submitting the request.

You can log in to the Bajaj Housing Finance Customer Portal and navigate to the Service Request History section to view the current status of your COI request and track its progress.

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