Aaj ke time me loan, credit card ya EMI lena ho to sabse pehle ek cheez dekhi jaati hai, Vo hai – CIBIL Score.
Lekin jab achanak CIBIL score gir jaata hai, to sabse common sawal hota hai:
👉 CIBIL Score girne ke baad kitne time me normal hota hai?
Agar aap bhi isi tension me hain, to tension lene ki bilkul zarurat nahi hai. Is article me hum detail me, simple aur practical examples ke saath samjhenge ki CIBIL score girne ke baad kaise recover hota hai, kitna time lagta hai, aur kaun-kaun se factors is process ko fast ya slow kar dete hain।
CIBIL Score Kya Hota Hai?
CIBIL Score ek 3-digit number (300–900) hota hai jo aapki credit history ko represent karta hai.
Ye score banks aur NBFCs ko batata hai ki:
- Aap loan ya credit card ka paisa time par chukate ho ya nahi
- Aap par kitna existing loan chal raha hai
- Aapka financial behaviour kaisa hai
Generally:
- 750+ → Excellent
- 700–749 → Good
- 650–699 → Average
- Below 650 → Risky
Agar aapka score gir gaya hai, to naturally sawal aata hai – CIBIL Score girne ke baad kitne time me normal hota hai?
CIBIL Score Girta Kyun Hai? (Common Reasons)
CIBIL score girne ke reasons samajhna bahut zaroori hai, kyunki recovery ka time isi par depend karta hai।
1️⃣ EMI ya Credit Card Bill Late Hona
Agar aap 30 din se zyada delay karte ho, to score par direct negative impact padta hai।
2️⃣ Credit Card ka Zyada Use
Agar aap apni credit limit ka 80–90% use kar rahe ho, to score gir sakta hai।
3️⃣ Loan Default ya Settlement
Loan default ya “settled” status score ko kaafi zyada damage karta hai.
4️⃣ Baar-Baar Loan Apply Karna
Multiple hard inquiries short time me karne se bhi CIBIL score girta hai।
5️⃣ Galat Information (CIBIL Report Error)
Kabhi-kabhi galat entry ki wajah se bhi score kam ho jaata hai।
CIBIL Score girne ke baad kitne time me normal hota hai? (Seedha Answer)
Is sawal ka single fixed answer nahi hota, kyunki recovery time depend karta hai reason aur aapke action par.
| Reason | Recovery Time |
|---|---|
| 1–2 EMI late | 3–6 months |
| Credit card over-utilization | 2–4 months |
| Multiple missed payments | 6–12 months |
| Loan default | 12–24 months |
| Settlement case | 18–36 months |
👉 Short answer:
CIBIL Score girne ke baad normal hone me minimum 3 mahine aur maximum 2–3 saal tak lag sakte hain.
Example Se Samjhiye (Real Life Scenarios)
✅ Example 1: Sirf 1 EMI Miss Hui
Rohit ne personal loan ki ek EMI miss kar di. Score 780 se 720 ho gaya.
Usne next EMI time par pay ki aur auto-debit lagaya।
📈 Result:
4–5 mahine me score wapas improve ho gaya.
❌ Example 2: Credit Card Full Limit Use
Anjali ne 50,000 limit wale card par 48,000 use kar liya.
Score 760 se 690 ho gaya।
📈 Solution:
Usne usage 30% ke niche laya.
⏳ Time:
3 mahine me noticeable improvement.
Example 3: Loan Default Case
Vinod ne bike loan default kar diya aur 6 mahine EMI nahi bhari।
📉 Impact:
Score 740 se 580.
📈 Recovery:
Loan clear karne ke baad bhi 1.5–2 saal lage normal hone me.
CIBIL Score Fast Recover Karne ke Best Tarike
Agar aap ki CIBIL Score girne ke baad kitne time me normal hota hai ka jawab “jaldi” chahte ho, to ye steps follow karo:
✔️ EMI Aur Bills Time Par Pay Karo
Payment history 35% weightage rakhti hai – sabse important factor.
✔️ Credit Utilization 30% Se Kam Rakho
Agar limit 1 lakh hai, to 30,000 se zyada use na karein.
✔️ Purane Loans Close Karo
Active loans kam honge, to score stable rahega.
✔️ Hard Inquiry Kam Rakho
Bar-bar loan apply karne se bachein.
✔️ CIBIL Report Check Karo
Agar koi galat entry hai, to dispute raise karo.
Myth vs Reality: CIBIL Score Recovery
❌ Myth: Ek baar gir gaya to kabhi recover nahi hota
✅ Reality: Sahi habits se recover hota hai
❌ Myth: Paisa zyada kamane se score improve hota hai
✅ Reality: Payment behaviour matter karta hai
❌ Myth: Credit card band kar dena best hai
✅ Reality: Old card active rakhna better hota hai
New Website ke Liye Important SEO Insight
Agar aapki website 25 din purani hai, to ye topic long-term ke liye best hai kyunki:
- Finance niche evergreen hai
- Log real problems search karte hain
- “CIBIL Score girne ke baad kitne time me normal hota hai” long-tail keyword hai
- Low competition + high intent keyword
Is article ko 2–3 mahine me organic traffic milna start ho sakta hai.
Final Conclusion
Toh ab aap clearly samajh chuke honge ki CIBIL Score girne ke baad kitne time me normal hota hai ye depend karta hai:
- Score girne ka reason
- Aapki financial discipline
- Time par liye gaye corrective steps
Agar aap regular payments, low credit usage aur patience rakhenge, to CIBIL score zaroor normal hota hai – bas thoda time lagta hai.
FAQs (Frequently Asked Questions)
Q1. CIBIL Score girne ke baad minimum kitna time lagta hai recover hone me?
Generally 3–6 months, agar issue minor ho.
Q2. Kya ek baar default hone ke baad score improve ho sakta hai?
Haan, lekin 1–2 saal lag sakte hain.
Q3. Kya CIBIL score bina loan liye improve ho sakta hai?
Haan, credit card usage sahi rakhen to possible hai.
Q4. Kya settlement karne se score normal hota hai?
Settlement ke baad recovery slow hoti hai, full payment better hota hai.
Q5. Kitna CIBIL score good mana jata hai?
750 ya usse zyada score good mana jata hai.
Disclaimer:
This article is for informational purposes only. Credit score improvement timelines may vary based on individual financial behavior and lender policies. Please consult a certified financial advisor before making any financial decision
