Low CIBIL Score Loan: Banks That Still Approve Loans
Low CIBIL Score Loan: Banks That Still Approve Loans – LoanSathi.in
India me har loan application ka sabse critical factor hota hai CIBIL score. Agar aapka CIBIL score 550–650 ke beech hai to maximum banks aapko loan dene se mana kar dete hain. Lekin iska matlab yeh nahi ki loan mil hi nahi sakta. Low CIBIL score ke bawajood loan approval possible hota hai—sahi product, sahi bank, aur sahi filing ke through.
Is complete guide me aap jaanenge ki Low CIBIL ke bawajood loan kaise mil sakta hai, kaun se banks approve karte hain, eligibility kya hoti hai, documents kya chahiye, aur LoanSathi.in kaise aapki approval chances ko 3x tak increase karta hai.
Low CIBIL Score Loan Kya Hota Hai?
Low CIBIL Score Loan ek aisa financial product hota hai jisme applicant ka credit score kam hone ke bawajood lender loan provide karta hai. Generally score 550–650 ke beech hota hai, lekin kuch lenders 500–550 tak bhi consider karte hain—agar income strong ho, documents complete ho aur profile stable ho.
• Strong income ya business turnover
• Clean bank statement (no cheque bounce)
• Co-applicant add karna
• Salary account same bank me hona
• Secured loan choose karna (jaise Loan Against Property)
• Credit card closure / old overdue settlement proofs
Low CIBIL Score Ke Liye Best Loan Options
Low CIBIL wale users unsecured loans me reject ho jate hain, lekin niche diye gaye products me approval chances high hote hain:
Kaunse Banks Low CIBIL Me Bhi Loan Approve Karte Hain?
Har bank ki policy alag hoti hai, lekin niche kuch lenders low CIBIL profile ko bhi consider karte hain:
| Bank / NBFC | Minimum CIBIL Required | Best Suitable Loan |
|---|---|---|
| HDB Financial | 575+ | Personal Loan |
| ICICI Bank | 620+ | Credit Card Loan |
| Tata Capital | 600+ | Business Loan |
| Punjab National Bank | 550–600 | Property Loan / LAP |
| Piramal / Poonawalla | Below 600 | Secured Loan (LAP) |
Low CIBIL Score Loan Eligibility
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• Age: 21 to 60 (salaried), 21 to 65 (self-employed)
• Minimum income: ₹12,000 to ₹20,000 monthly (city-based)
• Regular monthly inflow in bank
• No cheque bounce in last 3 months
• Co-applicant add karne par approval chances double ho jate hain
• Existing EMI load kam hona chahiye
Low CIBIL Applicants Ke Liye Required Documents
| Category | Documents |
|---|---|
| KYC | PAN Card, Aadhaar Card |
| Salaried | 3 Months Salary Slip, 6 Months Bank Statement |
| Self-employed | Udyam, GST (optional), ITR (optional), Business Proof |
| Other | CIBIL Report, Old loan closure proofs |
Low CIBIL Score Loan Ke Liye EMI Calculation
Interest rate thoda high ho sakta hai, lekin secured loan me rate kam milta hai. Example EMI estimates:
| Loan | Interest Rate | Tenure | Approx. EMI |
|---|---|---|---|
| ₹1,00,000 | 14% | 24 months | ₹4,800 approx. |
| ₹3,00,000 | 15% | 36 months | ₹10,400 approx. |
| ₹5,00,000 | 16% | 48 months | ₹14,500 approx. |
Low CIBIL Score Loan Reject Kyu Hota Hai?
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• Negative remarks on CIBIL
• Overdue amount / written-off accounts
• Multiple recent enquiries
• EMI-to-income ratio high
• Weak bank statement
• Mismatch in documents
LoanSathi.in Kaise Aapko Low CIBIL Me Bhi Loan Dilata Hai?
LoanSathi.in ek assistant loan platform hai jo customers ko India ke 150+ Banks & NBFC se connect karta hai. Low CIBIL cases me sahi lender selection hi sabse important hota hai—aur LoanSathi yahi kaam expert level par karta hai.
LoanSathi.in Benefits (Serial-wise)
- 1. Profile Analysis – Income, obligations, bank statement, stability check
- 2. CIBIL Review – Negative factors identify karke rectify plan banana
- 3. Best Lender Match – Wo bank jahan low CIBIL cases approve hote hain
- 4. Multi-File Submission – 150+ lenders me se best 2–3 banks me apply
- 5. Rejection Prevention – Document correction & profile strengthening
- 6. Faster Processing – Same-day bank coordination & document pickup
- 7. Secured Loan Advantage – LAP ke through 100% approval chance
Har financial problem ka instant solution provide karna — chahe CIBIL low ho, income kam ho, ya documents incomplete hon. LoanSathi har applicant ko correct lender tak pahunchata hai taaki approval fast mile.
Apply for Low CIBIL Score Loan
Agar aap low CIBIL score ke bawajood loan chahte hain to niche given link se apply kare:
Apply on LoanSathi.in
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Final Summary
Low CIBIL score loan milna mushkil zaroor hota hai, lekin impossible nahi. Right bank selection, accurate documents, clean banking, aur expert filing ke through approval asaan ho jata hai. LoanSathi.in aapke liye ye complete process simplify karta hai aur aapko wo lender choose karke deta hai jahan approval chances highest hote hain.
• India’s fast-growing loan assistant platform
• Connected with 150+ Banks & NBFCs all over India
• Fast document pickup & verification
• Profile-based best lender selection
• Low CIBIL case specialists
• Secured + Unsecured loan experts
• 24×7 guidance & support
• 100% free consultation – no hidden charges
