cibil score kaise badhaye

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CIBIL Score Kya Hai Aur Yeh Kyu Zaroori Hai?

CIBIL Score Kya Hai?

CIBIL Score ek numerical representation hai jo aapke creditworthiness yaani aapke financial discipline ko dikhata hai. Yeh ek three-digit score (300-900) hota hai, jo TransUnion CIBIL naam ki company dwara tay kiya jata hai. Jitna zyada aapka CIBIL score hoga, utna hi aapke liye loan ya credit card approval lena asaan hoga.

CIBIL Score ke base par banks aur financial institutions decide karte hain ki aapko loan dena safe hai ya nahi. Agar aapka CIBIL Score high hai, to aapko low interest rate par loan mil sakta hai aur agar score low hai, to aapka loan reject bhi ho sakta hai.

CIBIL Score Ka Calculation Kaise Hota Hai?

CIBIL Score ko calculate karne ke liye kayi factors ko dhyan me rakha jata hai. Main factors jo CIBIL score ko impact karte hain:

1. Payment History (35%)

Agar aapne apne loan EMI ya credit card bills time par pay kiye hain, to aapka CIBIL Score achha rahega. Agar aapne delay ya default kiya hai, to score kam ho sakta hai.

2. Credit Utilization Ratio (30%)

Agar aapka credit card ka limit ₹1,00,000 hai aur aap ₹90,000 tak use kar rahe hain, to iska matlab aap 90% credit use kar rahe hain. High utilization aapka CIBIL Score kam kar sakta hai.

3. Credit Mix & Duration (15%)

Agar aapke paas secured loan (home loan, car loan) aur unsecured loan (credit card, personal loan) dono ka combination hai, to aapka CIBIL Score better ho sakta hai.

4. New Credit Inquiries (10%)

Jitni baar aap naye loan ya credit card ke liye apply karenge, utni baar banks hard inquiries karenge. Zyada inquiries aapke CIBIL Score ko negatively impact kar sakti hain.

5. Credit History Length (10%)

Agar aapke paas purane credit accounts hain aur aapne unko sahi se manage kiya hai, to yeh aapke score ko positive effect deta hai.

CIBIL Score Kyu Zaroori Hai?

1. Loan Approval Ke Liye Must Hai

Agar aap personal loan, home loan, car loan ya business loan lena chahte hain, to banks sabse pehle aapka CIBIL Score check karenge. Agar aapka score 750+ hai, to loan approval ka chance badh jata hai.

2. Low Interest Rate Par Loan Milta Hai

Agar aapka CIBIL Score achha hai, to banks aur NBFCs aapko kam interest rate par loan denge. Example ke liye:

  • CIBIL Score 800+ – Interest Rate: 8-9%
  • CIBIL Score 650-750 – Interest Rate: 11-14%
  • CIBIL Score below 600 – Loan rejection ka high chance hai.

3. Credit Card Approval Ke Liye Zaroori Hai

Jitna accha aapka CIBIL Score hoga, utna hi aapko premium credit cards milne ka chance hoga, jisme high credit limit aur better rewards hote hain.

4. High Loan Amount Milta Hai

Agar aapka CIBIL Score high hai, to aapko zyada loan amount milne ka chance hota hai. Banks high-score applicants ko risk-free customers maante hain aur unhe bada loan approve karne me hesitation nahi hoti.

5. Job & Rental Agreements Me Help Karta Hai

Kayi MNC companies aur landlords ab CIBIL Score ko bhi ek eligibility criteria maan rahe hain. Agar aapka credit score accha hai, to aapko naukri ya rental agreement approve hone me aasani hogi.

6. EMI aur Buy Now Pay Later (BNPL) Approval

Jitna better aapka CIBIL Score hoga, utna easily aapko No-Cost EMI ya BNPL facilities milengi, jisse aap products easy installments me kharid sakte hain.

Achha CIBIL Score Kitna Hota Hai?

CIBIL Score Range

Creditworthiness

Loan Approval Chance

750 – 900

Excellent

High chance of loan approval

700 – 749

Good

Loan approval possible

650 – 699

Average

Loan approval difficult

550 – 649

Poorđź‘‹

High risk, low approval chance

Below 550

Very Poor

Most likely rejected

Agar aapko instant loan approval chahiye, to aapka CIBIL Score 750+ hona zaroori hai.

CIBIL Score Kaise Check Karein?

Aap free CIBIL Score check karne ke liye ye websites use kar sakte hain:

  1. CIBIL Official Website (www.cibil.com)
  2. Paisabazaar (www.paisabazaar.com)
  3. BankBazaar (www.bankbazaar.com)
  4. Bajaj Finserv (www.bajajfinserv.in)
  5. Paytm & Bank Apps (ICICI, HDFC, SBI, Axis, etc.)

CIBIL Score Improve Kaise Karein?

Agar aapka CIBIL Score kam hai, to use improve karne ke liye ye steps follow karein:

✅ Time par EMI aur Credit Card Payment karein 

✅ Credit Card ka utilization 30% se kam rakhein

✅ Galat loan details ke liye CIBIL dispute file karein 

✅ Jyada loan inquiries na karein 

✅ Old credit cards aur accounts ko close na karein 

✅ Personal loan ke jagah secured loan prefer karein

Conclusion

CIBIL Score ek financial passport hai jo aapke loan approval, credit card eligibility aur interest rates ko decide karta hai. Agar aap financially strong banna chahte hain aur future me loan lena chahte hain, to aapko apne CIBIL Score ka dhyan rakhna bahut zaroori hai.
Jitna accha aapka CIBIL Score hoga, utne hi better financial opportunities aapko milengi. Isliye, time par payments karein, unnecessary credit inquiries se bachein aur apni financial profile strong banayein! 




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