Bajaj Finance Launches Free Credit Score Check

Bajaj Finance Launches Free Credit Score Check

Bajaj Finance Limited, a subsidiary of Bajaj Finserv Ltd and an RBI‑registered deposit‑taking NBFC‑D classified as an NBFC‑ICC, announced a free credit‑score checking service and accompanying Credit Pulse Report for its customers. The press release, dated 26 August 2026 and issued from Pune, Maharashtra, emphasizes that regular credit‑score monitoring can help individuals make more informed borrowing decisions and identify potential inaccuracies in their credit profiles.

The Credit Pulse Report aggregates key credit indicators beyond the basic score, including credit history, credit age, credit mix, credit‑card utilisation, repayment history, account summary, and recent credit enquiries. Each indicator is explained: the credit score offers a numerical health snapshot; credit history shows past behaviour; credit age reflects the length of reported history; credit mix displays the variety of credit accounts; utilisation indicates the proportion of available revolving credit used; repayment history records how obligations have been managed; the account summary lists reported accounts; and enquiries reveal recent credit checks.

How to obtain the free credit score and report

1. Visit the Credit Pulse Report page on the official Bajaj Finance website and select the credit‑score check option.

2. Enter the registered mobile number and complete OTP verification.

3. Provide personal details – name, PAN, date of birth, email address, mobile number and PIN code.

4. After successful verification, the credit score is displayed on screen.

5. Access and optionally download the full Credit Pulse Report, which details repayment history, active accounts, recent enquiries and other credit information.

The release illustrates how credit utilisation is calculated with a simple example: for a credit‑card limit of Rs 1 lakh, an outstanding balance of Rs 30,000 results in 30 % utilisation; Rs 50,000 outstanding equals 50 % utilisation; Rs 80,000 outstanding equals 80 % utilisation. High utilisation can negatively affect the credit profile, underscoring the need for regular monitoring.

Benefits of regular credit monitoring

• Track changes in credit score, repayment activity, outstanding balances, new accounts, utilisation and recent enquiries.
• Identify missed or delayed payments, overdue amounts, incorrect repayment entries, or unrecorded payments.
• Detect unfamiliar accounts or reporting errors for timely investigation.
• Maintain responsible credit behaviour by paying EMIs and credit‑card dues on time, keeping utilisation low, avoiding unnecessary credit applications, and ensuring accurate reporting.

Company background

Bajaj Finance Ltd serves 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. The firm holds the highest domestic credit rating of AAA/Stable for long‑term borrowing and A1+ for short‑term borrowing, with CRISIL AAA/Stable and ICRA AAA/Stable ratings for its FD 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 Baa3 Corporate Family Rating with a stable outlook.

Terms and conditions apply.

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