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Bajaj Finserv EMI

Bajaj Finserv EMI Network is a payment system, with instant financing options, which lets you pay for all your purchases on No Cost EMIs. The no cost EMI from Bajaj Finserv facility enables you to convert only the cost of your purchase into easy monthly instalments and pay nothing extra. All you need to do is use your Bajaj Finserv EMI Network Card to make a purchase of Rs.4,500 or more.

Shopping on Seniority with your EMI Network Card has additional benefits like zero down payment, convenient repayment tenure of up to 12 months and much more.

HOW NO COST EMI WORKS

Consider that you are buying a product on No Cost EMI and the cost for the product is Rs. 18,000. Assume that your tenure is 6 months. Here, your EMIs amount to Rs. 18,000/6 = Rs. 3,000 per month.

HOW TO AVAIL NO-COST EMI

  1. Browse and select your product
  2. Choose Bajaj Finserv No Cost EMI as your payment method
  3. Select a suitable tenure
  4. Confirm your order with an OTP

ELIGIBILITY

To avail No Cost EMI, you should be an existing Bajaj Finserv EMI Network Card holder.

WHAT IS BAJAJ FINSERV EMI NETWORK CARD?

The Bajaj Finserv EMI Network Card allows you to convert your purchases into easy monthly instalments. In other words, it acts as a pre-approved loan that you can use to buy whatever you need without worrying about the cost.

  1. Browse and select your product
  2. Choose Bajaj Finserv No Cost EMI as your payment method
  3. Select a suitable tenure
  4. Confirm your order with an OTP

BENEFITS OF BAJAJ FINSERV EMI NETWORK CARD

  1. Pre-approved loans up to Rs.4 lakh
  2. Flexible repayment tenures ranging from 3–24 months
  3. No documentation

HOW TO APPLY FOR EMI NETWORK CARD?

You can apply for the EMI Network Card online and offline.

  • 1. Online application
  • 2. Existing Bajaj Finserv customers can easily apply for an EMI Network Card through the customer portal - Experia.
  • 3. Offline application
  • 4. You can apply for an EMI Network Card when you shop for electronic gadgets or lifestyle products from any of our partner stores by submitting some basic documents.

TERMS AND CONDITIONS

The following terms & conditions apply to any transactions made using BFL EMI Card as a payment option on Seniority.in.

  • 1. The Bajaj Finance No Cost EMI facility is being offered by Bajaj Finance Limited ("BFL") to the customers having a Bajaj Finance No Cost EMI card ("Card").
  • 2. No Cost EMI (using the Card) as a payment method is available on select products sold by participating sellers on Seniority.in.
  • 3. The Bajaj Finance No Cost EMI facility can only be availed using the Card and is not available on purchases made using debit or credit cards issued by other banks, net banking or cash on delivery payment methods.
  • 4. To make payments using the Bajaj No Cost EMI payment option, customers must place an order with only one eligible item added to the cart. This payment option cannot be used with multiple items (including multiple eligible items) in the cart.
  • 5. If all items in the cart are eligible for No cost EMI on BFL, you can avail the Bajaj Finserv No Cost EMI with BFL option during checkout.
  • 6. Seniority has no role to play pertaining to the Card including but not limited to its issuance, approval, any extension, pre-closure, or closure of any facility using the Card and such matters are solely determined by BFL.
  • 7. The customer's use of the Card is also governed by the terms and conditions of the agreement between the customers and BFL.
  • 8. By using the Bajaj Finance No Cost EMI facility, the customers hereby release and agree not to bring any claims against Seniority in respect of use of the Card or the No Cost EMI facility, and all such claims (if any) will lie only against BFL. The customers also agree not to bring any claims against Seniority on account of availability or non-availability of No Cost EMI facility on the Website.
  • 9. Seniority reserves the right to stop No Cost EMI facility at any time without prior notice and without any liability.
  • 10. Seniority does not charge the customer any processing or convenience fee in providing the Bajaj Finance No Cost EMI facility.
  • 11. If an order using the No Cost EMI facility is cancelled, any refund to the customers or cancellation of loan facilities using the Card will be undertaken by BFL. The customers hereby agree that Seniority has no role in this regard and the customers will not bring any claims against Seniority for any refund of any amount paid to BFL for such order.
  • 12. Seniority will not be held liable for any dispute arising out of or in connection with such No Cost EMI facility or the customer's use of the Card on the Website.
  • 13. Please contact BFL for any queries in relation to the Card.

FAQ's

1. What is the eligibility criteria to buy products on No cost EMIs with Bajaj Finserv (BFL) EMI finance?

You should be an existing Bajaj Finserv EMI card holder to avail EMI finance through Bajaj Finserv.

2. How can I avail EMI finance through Bajaj Finserv?

Just go through the normal purchase shopping process. On the payment page, please select your saved Bajaj Finserv Ltd. Card or enter your EMI card number and check whether the transaction is eligible for EMI or not. If yes, please select the desired tenure and proceed. Click on the button to generate an OTP and enter the OTP received on your registered mobile number & click on submit. You shall get an approval, and your products shall be shipped to you.

3. What is the minimum amount I need to shop to avail No cost EMI?

The minimum amount that you need to shop to avail Bajaj Finserv No cost EMI is Rs. 4,500. You can either purchase any product greater than Rs. 4,500 or shop for multiple products for a min value of Rs. 4,500 to avail No cost EMI. All products selected must be applicable for Bajaj Finserv No cost EMI to avail this offer.

4. Where can I check my eligibility for Bajaj Finserv EMI card?

To check the EMI Card Eligibility, send “TRANSACT” to 9227564444 from the registered mobile number at Bajaj Finserv EMI card

5. Do I need to pay anything additional to avail EMI finance through Bajaj Finserv?

No, there are no additional charges that need to be paid.

6. What documents will I have to submit on approval of the loan?

There are no documents that need to be submitted. Once your finance is approved, the product would be dispatched by Seniority.

7. Can my application get rejected? What do I do in that case?

Approval/rejection of financing is solely at discretion of Bajaj Finance Limited. In the event that your loan application is not accepted, you would need to place a fresh order with a different payment type – COD or Prepaid.

8. Where would I get to know the reason for my loan getting rejected?

Please call Bajaj Finserv on 020-39575152 (Toll number- Charges are applicable). You could also write to wecare@bajajfinserv.in

9. Where would I get to know the Reason for my card getting blocked?

Please call Bajaj Finserv on 020-39575152 (Toll number- Charges are applicable). You could also write to wecare@bajajfinserv.in

10. Would I have to make any down payment?

No, you do not have to make any down payment and the entire amount is converted to EMI provided all the products are applicable for Bajaj Finserv no cost EMI. The schemes are being reviewed on a regular basis and may/are subject to change without any prior notice.

11. When do I pay my EMI? How would I get to know about the same? What will be my EMI?

Your loan gets booked in 1-2 days from the day the order is placed. Post your complete order is delivered, your loan would be booked by Bajaj Finserv. Once your loan is booked, you could view the details of your loan, such as tenure, loan amount, due date, etc. by logging in to Experia with your login credentials. You could also call us on 020-39575152 (call charges applicable) or write to Bajaj finserv on wecare@bajajfinserv.in In case of any discrepancy. call them on their customer service numbers for further details.

12. Can someone else use the EMI card on my behalf?

For safety and security reasons, we recommend that only the card holder uses the EMI Card for making purchases. The liability of the loan taken using the EMI Card rests solely with the holder of the EMI Card.

13. Where do I enquire about my loan details or issues with the transaction?

You can write to us at wecare@bajajfinserv.in , call us on 020 – 3957 5152 (Call charges applicable) or visit our website on Bajaj Finserv

In case of any issue on the product, you would have to contact Seniority customer service team on +91-8291051868 / 69

14. Where can I get my Customer Portal (Experia) username and password?

Your login details are printed on the back of your EMI Card. Alternatively, you can SMS “EXPERIA” to +91 92275 64444 from your registered mobile to get the username and password

15. How do I change my mobile number, email or address given while of opting for the EMI Card?

Simply log on to the Customer Portal – Experia and make necessary changes in the profile section. Alternatively, you could write from our registered email id to wecare@bajajfinserv.in. For changes or you may speak to Bajaj finserv Customer Service Executive on 020 – 3957 5152 (Call charges applicable).

16. What should I do if my EMI Card gives an error?

In case your problem is not resolved, please call us on 020 – 3957 5152 (Call charges applicable).

17. Can I pre-pay or foreclose my loan?

Yes, you can foreclose your loan at any point in time post the payment of your first EMI. There are no charges to foreclose. You can foreclose your loan online by logging on to Experia through your login credentials.

18. What is the process for cancellation of a loan or a transaction?

In case you want to cancel a loan taken from our online partner, you need to cancel the order or transaction on the “My Orders” page. Post return of the product and or confirmation received from our online partner, we at BFL shall take 2 additional days for cancellation and reversal of the amount to your card. Incase if a EMI payment is been paid, the amount shall be transferred to your registered bank account in 3-4 days post successful cancellation at BFL end.

19. When will I get the refund of my EMI in case I cancel the loan?

Post cancellation of the loan, the amount would reflect in your registered account number in the next 2-3 working days.

Loans cancelled between 26th – 10th of the month would be processed only after the 11th of the next month.

20. Where can I make the payment if I have missed my payment date?

You can make an online payment by logging in to the Bajaj Finserv website – www.bajajfinserv.in . An option is available for making payments for your EMI as well as making payment towards the overdue charges.

Alternatively, you could also visit the nearest Bajaj Finserv branch for making the payment. The details of the branches near you could be discovered through the option of “Visit our branch” under the “Reach Us” section on the Bajaj Finserv website.

21. Can I make a payment in advance for my EMI?

You can make an advance EMI payment online by logging on to our website through Experia ID and password. Alternatively, you could also visit the nearest BFL branch for making the payment. The details of the branches near you could be discovered through the option of “Locate Us” under the “Reach Us” section on the website. The state and city details can be entered there to get the address of your nearest branch.

Any advance EMI payment needs to be made on or before 23rd of the month. Payments received post the 23rd of the month would not impact the next EMI. The next EMI would get deducted from the customer’s registered account.

22. What if I intend to cancel few items of my order and not the complete order, is that possible?

To check the EMI Card Eligibility, send “TRANSACT” to 9227564444 from the registered mobile number at Bajaj Finserv EMI card

23. Where can I check my eligibility for Bajaj Finserv EMI card?

Yes, you can cancel part of your order. You just need to visit your “My Orders” page and cancel the items which you want to return or cancel. Post details received from the partner for cancellation, we shall take 2 additional days to get back to you with your new tenure details for the loan.

24. I want to change my repayment mode (banking details)?

Yes, you can cancel part of your order. You just need to visit your “My Orders” page and cancel the items which you want to return or cancel. Post receiving the cancellation details, Bajaj Finserv shall take 2 additional days to get back to you with your new tenure details for the loan.

Data last updated on 25/09/2019

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