Aaj ke time me jab bhi paison ki zarurat hoti hai, log sabse pehle Personal Loan ya Credit Card Loan ke baare me sochte hain।

Lekin bahut se log yeh decide nahi kar paate ki kaunsa option unke liye better hai।
Is article me hum Personal Loan aur Credit Card Loan ke beech ka complete difference simple Hindi me samjhayenge, taaki aap sahi financial decision le saken।

Personal Loan Kya Hota Hai?

Personal loan ek unsecured loan hota hai jo bank ya NBFC aapko bina collateral ke deta hai।

Personal Loan Ki Features:

  • Fixed interest rate

  • Fixed EMI

  • Fixed tenure (1–5 saal)

  • Ek baar me poora amount milta hai

👉 Personal loan large expenses ke liye suitable hota hai।

Credit Card Loan Kya Hota Hai?

Credit card loan wo hota hai jo aap apne credit card limit ke andar use karte ho।

Credit Card Loan Ki Features:

  • Short-term loan

  • Interest rate zyada hota hai

  • Revolving credit

  • Minimum amount due option hota hai

👉 Credit card loan emergency ya short-term needs ke liye hota hai।

Personal Loan vs Credit Card Loan – Comparison Table

1️⃣ Interest Rate

  • Personal Loan: 10% – 24% (profile par depend)

  • Credit Card Loan: 30% – 45%

✔ Personal loan zyada sasta hota hai।

2️⃣ Loan Amount

  • Personal Loan: ₹50,000 se ₹20 lakh tak

  • Credit Card Loan: Card limit tak

✔ Badi amount ke liye personal loan better hai।

3️⃣ Repayment Tenure

  • Personal Loan: 12–60 months

  • Credit Card Loan: Short-term (monthly cycle)

✔ Long-term planning ke liye personal loan safe hai।

4️⃣ EMI Structure

  • Personal Loan: Fixed EMI

  • Credit Card Loan: Flexible, lekin risky

⚠️ Sirf minimum due pay karna interest badha deta hai।

5️⃣ Processing Fee

  • Personal Loan: 1% – 3%

  • Credit Card Loan: Hidden charges zyada hote hain

👉 Terms & conditions zaroor padhein।

6️⃣ Approval Process

  • Personal Loan: Documents + CIBIL check

  • Credit Card Loan: Agar card active hai to fast approval

✔ Credit card loan quick hota hai, lekin mehenga।

7️⃣ CIBIL Score Impact

  • Personal Loan: Timely EMI se score improve hota hai

  • Credit Card Loan: Overuse se score gir sakta hai

👉 Credit card limit ka 30% se zyada use na karein।

Kaun Sa Loan Kab Lena Chahiye?

✔ Personal Loan Tab Le:

  • Medical emergency

  • Wedding

  • Education

  • Debt consolidation

✔ Credit Card Loan Tab Le:

  • Short-term emergency

  • Travel booking

  • Temporary cash crunch

Kaunsa Option Zyada Safe Hai?

Agar aap:

  • Stable income rakhte ho

  • EMI time par pay kar sakte ho

👉 Personal Loan zyada safe aur economical option hai।

Credit card loan sirf tab use karein jab:

  • Amount chhota ho

  • Repayment short time me possible ho

Common Mistakes Jo Log Karte Hain

❌ Sirf quick approval dekh kar loan lena
❌ Interest rate ignore karna
❌ EMI planning bina budget ke karna

✔ Financial decision hamesha soch-samajh kar lein।

FAQs

Q1. Kya credit card loan personal loan se mehenga hota hai?

Haan, zyada tar cases me credit card loan ka interest zyada hota hai।

Q2. Kaunsa loan CIBIL ke liye better hai?

Personal loan, agar EMI time par pay ki jaaye।

Q3. Kya dono loans ek saath le sakte hain?

Haan, lekin repayment capacity strong honi chahiye।

Disclaimer

Yeh article sirf educational aur informational purpose ke liye hai। Loan lene se pehle bank ya NBFC ki official policies aur terms zaroor check karein।

निष्कर्ष (Conclusion)

Personal Loan aur Credit Card Loan dono ke apne advantages aur disadvantages hain।
Agar aap long-term aur large amount ke liye loan chahte hain to Personal Loan better option hai,
aur agar short-term need hai to Credit Card Loan ka limited use kiya ja sakta hai।