Overview
Bajaj Finance Ltd., a subsidiary of Bajaj Finserv Ltd., has launched the Bajaj Finance Credit Pulse Report, an online service that allows individuals to check their credit score and a detailed credit‑health report at no additional cost.
Service Description
The Credit Pulse Report provides a numerical credit score together with a comprehensive view of credit health, covering repayment history, existing credit accounts, credit utilisation, recent credit enquiries and overall credit history. Users can download the report after completing verification.
Access Procedure
1. Visit the official Bajaj Finance website and open the Credit Pulse Report page.
2. Enter the registered mobile number; an OTP is sent for verification.
3. Provide personal details – name, PAN, date of birth, email address, mobile number and PIN code.
4. Upon successful verification, the credit score is displayed and the full credit report can be reviewed and downloaded.
Intended Use
The report is positioned as a tool for individuals to stay informed about their credit position before applying for loans or credit cards, when reviewing existing credit, when unfamiliar activity appears, or as part of regular financial planning.
Company Profile
Bajaj Finance Ltd. (BFL) is a deposit‑taking NBFC‑ICC registered with the Reserve Bank of India, serving over 124.43 million customers through a diversified portfolio that includes consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, delivered via web, app and more than 4,000 physical locations. BFL is classified as a FinAI company, leveraging technology, data and analytics for personalized customer experiences.
Credit Ratings
BFL holds the highest domestic credit rating of AAA/Stable for long‑term borrowing and A1+ for short‑term borrowing, along with CRISIL AAA/Stable and ICRA AAA/Stable for its fixed‑deposit programme. It also carries a long‑term issuer rating of BBB/Stable and a short‑term rating of A‑2 from S&P Global, and a Moody’s corporate family rating of Baa3 with a stable outlook.
Disclaimer
The press release is provided under an arrangement with NewsVoir; PTI assumes no editorial responsibility. Terms and conditions apply to the Credit Pulse Report.