परिचय

Aaj ke time me loan lene ke liye CIBIL score bahut important factor ban chuka hai. Bahut se log sirf isliye loan nahi le paate kyunki unka CIBIL score kam hota hai.
Lekin iska matlab yeh bilkul nahi hai ki low CIBIL score par loan mil hi nahi sakta.
Is article me hum jaanenge ki CIBIL score kam hone par bhi loan kaise mil sakta hai, aur kaun-kaun se safe options available hote hain.

CIBIL Score Kya Hota Hai?

CIBIL score ek 3-digit number (300–900) hota hai jo aapki credit history ko dikhata hai.
Yeh score banks aur NBFCs ko batata hai ki aap loan repay karne me kitne reliable ho.

  • 750+ → Excellent

  • 700–749 → Good

  • 650–699 → Average

  • Below 650 → Low

CIBIL Score Kam Kyon Ho Jata Hai?

CIBIL score kam hone ke common reasons:

  • EMI ya credit card bill late pay karna

  • Minimum amount due pay karna

  • Zyada loans ya credit cards

  • Loan default ya settlement

  • Bar-bar loan enquiry karna

👉 Pehle apni galti samajhna zaroori hai.

Kya Low CIBIL Score Par Loan Milta Hai?

Haan, mil sakta hai, lekin conditions thodi tough hoti hain:

  • Interest rate zyada hota hai

  • Loan amount kam milta hai

  • Processing fee zyada ho sakti hai

Isliye low CIBIL score wale borrowers ko smart approach apnani chahiye.

Low CIBIL Score Par Loan Pane Ke Safe Options

1️⃣ Secured Loan Choose Karein

Secured loan me aap collateral dete ho jaise:

  • Gold loan

  • Fixed Deposit (FD) loan

  • Property ke against loan

✔ Isme CIBIL score ka impact kam hota hai.

2️⃣ Co-Applicant Ya Guarantor Add Karein

Agar aapke saath:

  • Family member

  • Spouse

  • Trusted person
    jiska CIBIL score acha ho, use co-applicant banaya ja sakta hai.

3️⃣ Existing Bank Se Apply Karein

Jis bank me aapka:

  • Salary account

  • Old relationship
    ho, wahan approval chances better hote hain.

4️⃣ Small Loan Amount Ke Liye Apply Karein

Pehle chhota loan lein aur time par repay karein.
Isse trust build hota hai aur future me bade loan ke chances badhte hain.

Government Loan Schemes Ka Role

Kuch government-supported schemes me CIBIL score ka impact kam hota hai:

  • Mudra Loan

  • PM SVANidhi

  • Self-help group loans

👉 Eligibility aur rules alag hote hain, isliye official guidelines check karein.

CIBIL Score Improve Kaise Karein?

Agar aap future me easily loan chahte ho to CIBIL improve karna zaroori hai.

✔ EMI aur bills time par pay karein
✔ Credit card ka limit ka 30% se zyada use na karein
✔ Purane default clear karein
✔ Sirf zarurat par hi loan apply karein

⏳ CIBIL score improve hone me 3–6 months lag sakte hain.

Fake Loan Offers Se Savdhan Rahein

Low CIBIL score walon ko target karke bahut se fake offers hote hain:
❌ “Guaranteed loan”
❌ “No document loan”
❌ “Pehle paisa jama karo”

⚠️ Koi bhi genuine bank advance fee nahi maangta.

FAQs

Q1. Minimum CIBIL score kitna chahiye loan ke liye?

Generally 650+ better hota hai, lekin secured loans me low score par bhi loan mil sakta hai.

Q2. Kya NBFC low CIBIL score par loan deti hai?

Haan, kuch NBFCs flexible policies rakhti hain, lekin interest rate zyada hota hai.

Q3. CIBIL score free me kaise check karein?

Aap CIBIL ki official website ya authorised platforms par free me check kar sakte hain.

Disclaimer

Yeh article sirf educational aur informational purpose ke liye hai. Loan lene se pehle bank ya financial institution ki official terms & conditions zaroor check karein.

निष्कर्ष (Conclusion)

Low CIBIL score hona loan lene ka end nahi hai. Agar aap sahi option choose karein, safe practices follow karein aur apna score improve karne par focus karein, to future me loan lena kaafi easy ho jaata hai।