Loan lete samay bank ya NBFC sabse pehle aapka CIBIL score dekhte hain. Achha score ho to loan jaldi aur behtar shartein par mil sakta hai. Achhi baat yeh hai ki score hamesha ke liye tay nahi hota — sahi aadaton se ise sudhara ja sakta hai.
CIBIL score kya hai?
Yeh 300 se 900 ke beech ka ek number hai, jo aapki loan aur credit card ki history dekh kar banta hai. 900 ke jitna kareeb, utna behtar. Bharat mein chaar credit bureaus hain — TransUnion CIBIL, Experian, Equifax aur CRIF High Mark — aur har ek se saal mein ek poori credit report free milti hai.
Score kin baaton se tay hota hai?
| Baat | Asar |
|---|---|
| EMI aur card bill time par chukana | Sabse zyada |
| Credit card limit ka kitna hissa use | Zyada |
| Secured aur unsecured loan ka balance | Medium |
| Credit history kitni purani hai | Medium |
| Haal mein kitni baar loan ke liye apply kiya | Kam, par judta jaata hai |
Score badhane ke 8 tareeke
- Har EMI aur card bill time par bharein — auto-debit laga lein. Ek bhi late payment score gira sakti hai.
- Card ka poora bill bharein, sirf minimum due nahi.
- Card limit ka 30% se kam use karein — ₹1 lakh ki limit ho to bill ₹30,000 se kam rakhne ki koshish karein.
- Ek saath kai loans ke liye apply na karein.
- Apni credit report check karein — band ho chuka loan "open" dikh raha ho ya koi anjaan account ho to bureau ki website par free mein dispute karein.
- Purana credit card band na karein, agar uski koi saalana fee nahi hai.
- Loan "settle" nahi, "close" karwayein — "settled" ka matlab hai poora paisa nahi chukaya, jiska asar saalon tak rehta hai.
- Kisi ke loan mein guarantor soch-samajh kar banein — unki chook aapki report mein bhi dikhti hai.
Kitna time lagta hai?
1 January 2025 se RBI ke rule ke tahat lenders har 15 din mein bureau ko jaankari bhejte hain, isliye badlaav pehle se jaldi dikhte hain. Phir bhi achha score banane ke liye aam taur par 6 se 12 mahine lagatar sahi payment zaroori hai.
Aage padhein: CIBIL score kitna hona chahiye aur kam CIBIL score par personal loan.
Yeh guide general jaankari hai, financial advice nahi. Interest rate, fees, eligibility aur doosri shartein har lender tay karta hai aur badal sakti hain; examples ke numbers sirf samjhane ke liye hain. Oxon Fintech loan dilaane wala platform hai, lender nahi — loan hamare lending partners sanction aur disburse karte hain.