Digital-first Engagement
Driving Financial Inclusion

The Bajaj Finance App is the nerve centre of our platform-first strategy. Built on a modular, cloud-native architecture, it delivers an omnichannel experience designed to make financial services more accessible. It is a single, seamless interface that brings together customer service, loans, deposits, payments, investments and insurance. We are now deploying AI-enabled experiences across every customer journey on our App and Website.

Gaining Scale and Efficiency in FY2026

The Bajaj Finance App crossed meaningful thresholds this year in terms of reach, trust and adoption.

1 million
Products on No Cost EMI on
Bajaj Mall
4.8+ stars
Across 4 million+ reviews
(Play Store/App Store rating)
33%
Fall in digital service requests due to customer self-service
86.63 million
Net installs of Bajaj Finance App
Bajaj Pay Adoption
56.4 million
UPI handles
28.9 million
Bill pay transactions
The FINAI App: Intelligence Built In

The Bajaj Finance App's new chapter is already underway. FINAI, our AI transformation programme, is being implemented phase by phase across businesses and functions. In FY2026, we deployed 27 autonomous AI agents, with plans to scale this to 600+ in FY2027 across key functions including sales, operations, debt management, human resources, IT, and risk.

The App entered its FINAI phase this year, with three capabilities live:
Hyper-personalisation

AI models drawing on multiple customer data attributes to surface the right product at the right moment, generating measurable incremental business.

Operational Efficiency

AI-based data extraction and auto-fill features have transformed onboarding, achieving near-100% straight-through processing for key loan segments.

Customer Trust by Design

Robust security protocols, transparent digital disclosures and full compliance with Digital Lending Guidelines and the Digital Personal Data Protection Act (DPDP), ensuring the highest standards of data privacy and ethical lending.