Bajaj Finance Promotes Five Credit‑Profile Checks

Bajaj Finance Limited, a subsidiary of Bajaj Finserv Ltd and an RBI‑registered deposit‑taking NBFC‑D classified as an NBFC‑ICC, released a press note on 28 July 2026 outlining five key checks individuals can perform to improve their credit health. The release emphasizes that a healthy credit profile influences eligibility for loans, credit cards and other products, subject to lender criteria.

The five recommended checks are:

1. Monitor credit score regularly – Indian credit scores range from 300 to 900; higher scores signal stronger credit health. Regular, free checks via the Bajaj Finance Credit Pulse Report do not affect the score.

2. Stay consistent with repayments – Timely EMI and credit‑card payments improve repayment history. The note advises auto‑debit setup, paying before due dates, clearing full card dues and avoiding repeated late payments.

3. Keep credit utilisation under control – Utilisation is the percentage of the available limit used; high utilisation may signal reliance on credit and affect lender assessment. Reducing balances and maintaining moderate utilisation is recommended.

4. Be selective when applying for new credit – Multiple hard enquiries in a short span can raise concerns. Applicants should apply only when needed, avoid simultaneous applications and compare options.

5. Review credit report for inaccuracies – Errors such as wrong personal details, closed loans shown as active, missing repayments, duplicate entries or incorrect payment status can distort creditworthiness and should be corrected promptly.

How to check the credit score online via Bajaj Finance

  • Step 1: Visit the Bajaj Finance Credit Pulse Report page on the official website and select the credit‑score check option.
  • Step 2: Enter the registered mobile number and complete OTP verification.
  • Step 3: Provide name, PAN, date of birth, email, mobile number and PIN code.
  • Step 4: After verification, the credit score is displayed.
  • Step 5: Review the detailed report, which includes repayment history, active accounts, recent enquiries and other credit‑related data; the report can be downloaded for future reference.

Additional tips for maintaining a healthy credit profile include paying every EMI and credit‑card bill on time, keeping utilisation low, applying for new credit only when necessary, preserving older credit accounts, periodically monitoring the credit report and promptly resolving any discrepancies.

The release also provides a brief corporate snapshot: Bajaj Finance has a 35‑year legacy, serves 69.14 million customers across urban and rural India, and maintains the highest domestic credit ratings—AAA/Stable for long‑term borrowing, A1+ for short‑term borrowing, and CRISIL AAA/Stable & ICRA AAA/Stable for its fixed‑deposit programme. It holds a long‑term issuer rating of BB+/Positive and a short‑term rating of B from S&P Global Ratings.

Terms and conditions apply.

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