How to Resolve Bajaj Finserv OTP Not Received Issues

Learn how to fix "OTP not received" for EMI cards and login. Follow our guide or contact customer care for help.
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How to Resolve Bajaj Finserv OTP Not Received Issues
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3 min
14-May-2026

One-Time Passwords (OTPs) are critical in securing online transactions. They provide an additional layer of security by ensuring that only the authorised user can complete a transaction. OTPs are unique, time-sensitive codes sent to a registered mobile number or email, reducing the risk of unauthorised access. Given the rise in online fraud, using OTPs significantly enhances security, protecting users from potential financial losses.
 

For more information on protecting yourself from online fraud, visit our step-by-step guide to reporting online fraud.
 

Steps to fix Bajaj Finserv OTP not received


Step 1. Check message settings

Ensure your message settings are correctly configured. Go to your phone's message settings and confirm that you haven't disabled any services that might block OTP messages. Verify that your SMS service centre number is correctly set.


Step 2. Blacklist contacts

Check if the number sending the OTP is blacklisted. If so, remove it from the blacklist. This can be done through your phone’s contact or message settings, ensuring that you receive all necessary OTPs without any hindrance.


Step 3. Internal memory space

Ensure your phone has sufficient internal memory space. Lack of storage can prevent new messages, including OTPs, from being received. Clear some space by deleting old messages or unnecessary files to free up memory.

 

Step 4. Network/country code

Verify that your network connection is stable. Poor network connectivity can delay or prevent OTP delivery. Additionally, check that the correct country code is used, especially if you are travelling or using a foreign SIM card.


Common reasons for OTP not received

Not receiving a One Time Password (OTP) can be frustrating, especially during urgent financial transactions. In India, this issue is usually linked to network or setting configurations.

  • Network congestion: High traffic on your mobile service provider's network can delay the delivery of SMS alerts.
  • DND settings: If you have "Do Not Disturb" (DND) activated, your service provider might block transactional messages. Ensure your settings allow "Service" or "Transactional" SMS.
  • Incorrect mobile number: Verify that your current mobile number is correctly updated in the lender’s records.
  • Inbox capacity: A full SMS inbox may prevent new messages from being received.
  • Roaming issues: If you are travelling, delayed signal handovers can interfere with OTP delivery.
  • Technical glitches: Occasional server-side delays at the bank or the OTP service provider can also cause interruptions.
     

Connect with Bajaj Finserv customer care


For any issues or inquiries regarding your Bajaj Finserv account, you can easily reach out to their customer care team on +91 8698010101. They are available to assist with account queries, transaction issues, and more. The customer care team can provide solutions and guidance for any problems you might encounter, ensuring a smooth and hassle-free experience with Bajaj Finserv.

For direct assistance, contact Customer care. The team is dedicated to resolving your issues promptly, offering various channels of support including phone, email, and live chat services.

Bajaj Finance app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finance App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

How can I know my Bajaj EMI card number without OTP?
You can check your Bajaj EMI card number by logging into the Bajaj Finserv customer portal using your registered mobile number and email ID.
How can I change my Bajaj Finserv mobile number without OTP?
Visit the nearest Bajaj Finserv branch with your identification documents and request a mobile number update without requiring an OTP.
How do I find my 4 digit PIN for DBS Bank credit card?
You can find your 4-digit PIN for your DBS Bank credit card by logging into the DBS Bank portal or mobile app and following the steps to retrieve or reset your PIN.
What should I do if Bajaj EMI Card OTP Not Received
If you do not receive your Bajaj EMI Card OTP, ensure your message settings are correct, check for blacklisted contacts, clear internal memory space, and verify network connectivity.
How can I resend OTP on Bajaj Finserv?

How can I resend OTP on Bajaj Finserv?

If you do not receive the code, wait for the timer on the screen to expire, usually after 60 seconds. A "Resend OTP" link will then become active. Click it once and wait for the new SMS. Avoid multiple clicks to prevent your account from being temporarily locked.

How long does OTP take to arrive?

Typically, a Bajaj Finserv OTP arrives within 15 to 30 seconds. Delivery speed depends on your mobile network's signal strength and current traffic on the service provider's gateway. If it takes longer than a minute, check your network reception or use the option to receive the code via email.

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