CIBIL Score Kya Hota Hai Aur Loan Approval Mein Kyun Important Hai? | Loansathi.in

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Introduction

Jab bhi aap loan ke liye apply karte ho, bank aur lenders sabse pehle aapka CIBIL score check karte hain. Ye ek financial report card ki tarah hota hai jo batata hai ki aap apne loans aur credit cards ko kitna responsibly handle karte ho. Is blog mein hum samjhenge CIBIL score kya hota hai, kaise calculate hota hai aur loan approval ke liye kyun important hai.

CIBIL Score Kya Hota Hai?

CIBIL score ek 3-digit number hota hai jo 300 se 900 ke beech hota hai. Jitna zyada score hoga, utna hi zyada loan approval ke chances hote hain.

• ▪ 750+ → Excellent (High approval chances)
• ▪ 650–749 → Good (Approval possible, may be at higher interest)
• ▪ 550–649 → Average (High rejection chances)
• ▪ Below 550 → Poor (Very low chances of approval)

CIBIL Score Kaise Calculate Hota Hai?

CIBIL score calculate karne ke liye multiple factors dekhe jaate hain:

• ✔ Repayment History (35%) – Timely EMI & credit card payment
• ✔ Credit Utilization (30%) – Credit limit ka usage
• ✔ Credit Mix (15%) – Secured aur unsecured loans ka balance
• ✔ Credit History Length (10%) – Kitne saal se credit active hai
• ✔ New Credit Inquiries (10%) – Multiple loan applications ek saath

Loan Approval Mein CIBIL Score Kyun Important Hai?

Banks aur NBFCs ke liye CIBIL score ek trust factor hota hai. Agar score high hai toh aapko easily loan milta hai with low interest rates. Low score hone par ya toh loan reject hota hai ya fir zyada interest rate par milta hai.

• ✔ High CIBIL → Fast approval + better interest rate
• ✔ Low CIBIL → Rejection chances high
• ✔ Medium CIBIL → Loan milega lekin strict conditions ke sath

Low CIBIL Par Kya Karna Chahiye?

Agar aapka score low hai toh bhi loan lena possible hai. Loansathi.in ke paas customized solutions hote hain:

• ✔ NBFC aur private lenders ke flexible options
• ✔ Secured loan ke liye property, FD ya gold ke against loan
• ✔ Co-applicant ke through approval chances improve karna
• ✔ Credit score improvement guidance

Loansathi.in Ka Solution

Loansathi.in aapko 150+ Banks, NBFCs aur private lenders ke saath connect karta hai jahan low CIBIL profiles ke liye bhi loan approval chances high hote hain. Yahaan aapko fast approval, minimal documentation aur transparent process milta hai.

Conclusion

CIBIL score aapki financial credibility ka mirror hai. High score ka matlab hai easy loan approval, lekin low score hone par bhi Loansathi.in aapke liye multiple solutions laata hai jisse aap apna loan easily approve karwa sakte ho.

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