Important Truth: Personal loan rejection ka matlab ye nahi hota ki aap financially weak ho. Bahut baar reason hota hai credit behaviour, bank statement pattern, ya policy mismatch — jise sahi preparation se fix kiya ja sakta hai.

• CIBIL score thik hai, lekin repayment behaviour weak hai

Kai logon ka score average hota hai, lekin past me late payments, minimum dues, ya small overdues report me dikh jaate hain — jo bank ke liye red flag hota hai.

• Solution

• Next 90 days 100% on-time payments maintain karo.
• Credit card outstanding ko control me rakho.

• Bank statement me red flags (salary aane ke baad turant nikal jana)

Agar salary credit hote hi paisa nikal jaata hai, minimum balance maintain nahi hota, ya frequent bounces hote hain — bank ko lagta hai cashflow pressure me hai.

• Solution

• Salary ke baad thoda balance maintain karo.
• Cheque bounce aur negative balance strictly avoid karo.

• Too many loan enquiries in short time

Har app par apply karna banks ko signal deta hai ki applicant “credit hungry” hai. Isse rejection chances automatically badh jaate hain.

• Solution

• 60–90 din tak new applications stop karo.
• Sirf eligibility match hone par hi apply karo.

• High existing EMI burden

Agar already multiple EMIs chal rahi hain, to bank ko lagta hai naya Personal Loan repay karna mushkil hoga.

• Solution

• Small loans / card balances reduce karo.
• EMI-to-income ratio healthy rakho.

• Wrong loan amount expectation

Income aur profile ke comparison me loan amount zyada ho, to policy automatically file reject kar deti hai.

• Solution

• Realistic amount choose karo.
• Requirement ko clearly define karke apply karo.