Chaliye step by step Jante Hain Ki CIBIL score Kya Hota Hai? Jab bhi koi insaan loan lena chahta hai, jaise bike ke liye, mobile ke liye ya ghar banane ke liye. Bank sabse pehle uska cibil score dekhta hai. Agar aap sahi time par loan aur EMI bharte ho, to aapka civil score acha hota hai. Agar aap late karte ho ya paise wapas nahi karte, to cibil score kharab ho jata hai. Is article mein hum cibil score ko bilkul simple tarike se samjhenge, jaise ek chhote bachche ko samjhaya jata hai. Aapko kahin aur jaane ki zarurat nahi padegi, kyunki yahin par cibil score ke bare me sab kuch clear ho jayega.
CIBIL Score Kya Hota Hai? Itna Important kyun hai?
CIBIL Score 3 digit ka ek number hota hai. Ye number 300 se 900 ke beech kuchh bui ho sakta hai. Ye number batata hai ki aap loan aur credit card ka paisa agar sahi time par wapas karte ho ya nahi. Example ke liye Socho ek chhota bachcha school jaata hai. Teacher usko uske kaam ke hisaab se number deti hai. Jo bachcha time par homework karta hai, usko ache number milte hain. Jo bachcha homework nahi karta, usko kam number milte hain. Bilkul waise hi, CIBIL Score ek report card hota hai jo aapke paise wale behaviour ko dikhata hai. Agar aap time par EMI bharte ho, bill clear rakhte ho, aur loan sahi tarike se chukate ho, to aapka CIBIL Score badhta hai. Agar aap late payment karte ho ya paisa wapas nahi karte, to CIBIL Score gir jata hai.
Sibil Score Kitna Hona Achcha Mana jata hai (Range)
CIBIL Score 300 se 900 ke beech hota hai. Ye number jitna zyada hota hai, utna hi acha maana jata hai. Bank isi range ko dekhkar decide karta hai ki aapko loan dena safe hai ya nahi.Chalo ab hum CIBIL Score ki har range ko bilkul simple example ke saath samjhte hai.
1. CIBIL Score: 300 – 549 (Bahut Kharab)
Is range ka matlab hota hai ki aapne pehle loan ya credit card ka paisa time par wapas nahi kiya. Bank ko lagta hai ki aap loan wapas nahi kar paoge. Sirf aapke cibil score ko dekhkar ek anuman lagata hai.
Example: Man lete hain ki Virat ne credit card ka bill kai mahine tak nahi bhara. Isi wajah se uska CIBIL Score 400 aa gaya. Ab jab Virat loan ke liye apply karta hai, to bank mana kar deta hai.
2. CIBIL Score: 550 – 649 (Thoda Weak)
Is range me score thoda sa better hota hai, Lekin abhi bhi bank ko full trust nahi hota. Loan mil sakta hai, par interest zyada hota hai.
Example: Virat ne kabhi-kabhi EMI late bhar deta tha. Uska CIBIL Score 600 ho gaya. Bank ne loan to diya, lekin zyada interest par.
3. CIBIL Score: 650 – 749 (Achha)
Ye range achhi maani jati hai. Bank ko lagta hai ki aap paisa time par wapas kar doge. Is score par loan aasani se mil jata hai.
Example: Man lo Rani har EMI time par bharti hai. Uska CIBIL Score 720 hai. Jab usne personal loan ke liye apply kiya, to bank ne turant approve kar diya.
4. CIBIL Score: 750 – 900 (Bahut Badhiya)
Ye best range hoti hai. Is score ka matlab hota hai ki aap ek trusted customer ho. Is range me loan jaldi milta hai aur interest bhi kam hota hai
Examle: Rohit hamesha credit card ka bill aur EMI time par bharta hai. Uska CIBIL Score 800 hai. Bank use best interest rate par loan offer karta hai.
Achhe CIBIL Score ke Benefits
⭐ Loan aasani se mil jata hai
Acha CIBIL Score hone par bank bina zyada sawal ke loan approve kar deta hai.
⭐ Kam interest rate lagta hai
Acha score hone se loan sasta padta hai aur EMI kam hoti hai.
⭐ Credit card jaldi mil jata hai
Achhe score par credit card easily mil jata hai aur limit bhi achhi hoti hai.
⭐ Bank ka bharosa milta hai
CIBIL Score bank ko dikhata hai ki aap paise ke mamle me bharosemand ho.
⭐ Bade loan lena easy hota hai
Home loan aur car loan jaise bade loan asaani se mil jaate hain.
Low cibil score ke Disadvantage
⭐ Loan milna mushkil ho jata hai
Kam CIBIL Score hone par bank loan dene se mana kar deta hai.
⭐ Interest rate zyada lagta hai
Agar loan mil bhi jaye, to bank zyada interest charge karta hai, jisse EMI mehngi ho jaati hai.
⭐ Credit card reject ho jata hai
Kam CIBIL Score par aksar credit card application reject kar di jaati hai.
⭐ Kam loan amount milta hai ya fir
Bank full amount dene ke bajay kam paisa approve karta hai.
⭐ Bank ka bharosa kam ho jata hai
Low CIBIL Score dekhkar bank ko lagta hai ki paisa wapas aana risky hai.
⭐ Future me problem badh jaati hai
Ek baar score kharab ho jaye, to aage chal kar loan aur credit lena aur bhi mushkil ho jata hai.
Cibil Score Kaise Check Kare?
CIBIL Score check karna bilkul free aur aasan hota hai. Aap ghar baithe mobile ya computer se apna CIBIL Score dekh sakte ho. Neeche step by step samjhte hain.
⭐ Step 1: CIBIL ki official website par jaayein
Sabse pehle CIBIL ki website open karein. Yahin se aap apna original aur sahi CIBIL Score check kar sakte ho.
⭐ Step 2: Apni basic details bharein
Website par aapse naam, mobile number, date of birth jaise simple details poochi jaati hain.
⭐ Step 3: Mobile par OTP daalein
Aapke mobile number par ek OTP aata hai. Us OTP ko website par daalna hota hai.
⭐ Step 4: Apna CIBIL Score dekhein
OTP daalte hi aapke screen par aapka CIBIL Score dikh jaata hai.
⭐ Step 5: Credit report bhi check karein
CIBIL Score ke saath aap apni credit report bhi dekh sakte ho, jisme aapke loan aur credit card ki puri detail hoti hai.
CIBIL Score Kaise Badhayen?
Agar aapka CIBIL Score kam hai to ghabrane ki zarurat nahi hai. Thodi si samajhdari aur sahi tariko se CIBIL Score dheere-dheere improve ho jata hai. Neeche bilkul simple tareeke bataye hain.
- Time par EMI aur bill bharein.
Loan ki EMI ya credit card ka bill agar time par bhara jaye, to score improve hota hai. - Credit card ka zyada use na karein
Card ki poori limit use karne se score par bura asar padta hai. - Purane pending loan clear karein
Purana due clear karna score badhane me bahut help karta hai. - Baar-baar loan apply na karein
Jyada applications se CIBIL Score kam ho sakta hai. - Credit report me galti ho to sudhaar karein
Galat entry correct karvane se score teji se badhata hai.
CIBIL Score Kharab Kaise hota hai?
CIBIL Score achanak kharab nahi hota. Kuch chhoti-chhoti galtiyon ki wajah se score dheere-dheere kam ho jata hai. Neeche sabse common reasons simple shabdon me bataye gaye hain.
🔻 Common Galtiyan Jo CIBIL Score Kharab Karti Hain
- EMI ya credit card bill late bharna.
Agar aap baar-baar payment late karte ho, to CIBIL Score sabse zyada yahin se girta hai. - Credit card ki poori limit use karna
Card ki limit 100% use karna bank ko negative signal deta hai. - Baar-baar loan ke liye apply karna
Har application par credit check hota hai, jo score ko kam kar deta hai. - Purane loan ya bill pending rehna
Agar koi purana due clear nahi hai, to score recover nahi hota. - Credit report me galat information hona
Kabhi-kabhi report me galti hoti hai jo score ko bina wajah kam kar deti hai.
CIBIL Score Kitne Din Mein banta hai?
CIBIL Score turant improve nahi hota. Isme thoda time lagta hai, lekin sahi aadaton se score dheere-dheere jaroor badhta hai.
• 1–2 mahine me thoda sudhaar dikhta hai Agar aap time par EMI aur bill bharna shuru kar dete ho, to score me halka improvement dikhne lagta hai.
• 3–6 mahine me achha fark padta hai Regular payment aur kam credit use karne se score kaafi better ho jata hai.
• 6–12 mahine me strong improvement hota hai Is time me aapka CIBIL Score stable aur strong ban sakta hai.
• Purani galti jitni badi, time utna zyada Agar default ya late payment zyada hui ho, to recovery me thoda zyada time lagta hai.
CIBIL Score se Jude Important FAQ
- Question: CIBIL Score kya hota hai?
Answer: CIBIL Score ek number hota hai jo batata hai ki loan ya credit card ke liye bank aap par kitna bharosa kare. - Question: CIBIL Score ki range kya hoti hai?
Answer: CIBIL Score 300 se 900 ke beech hota hai. Score jitna zyada hota hai, utna achha mana jata hai. - Question: Kya CIBIL Score free me check hota hai?
Answer: Haan, aap apna CIBIL Score online free me check kar sakte ho. - Question: CIBIL Score kam hone par loan milta hai kya?
Answer: Kabhi-kabhi loan mil jata hai, lekin interest zyada hota hai aur conditions bhi hard hoti hain. - Question: CIBIL Score kharab hone ka sabse bada reason kya hai?
Answer: EMI ya credit card bill late bharna CIBIL Score kharab hone ka sabse bada reason hota hai. - Question: CIBIL Score improve hone me kitna time lagta hai?
Answer: Agar aap time par payment karte ho, to 3 se 6 mahine me score badhana shuru ho jata hai. - Question: Kya CIBIL Score apne aap badh jata hai?
Answer: Nahi, jab tak aap apni financial aadatein sahi nahi karoge, CIBIL Score improve nahi hota.
Disclaimer
The information provided in this article is for general informational and educational purposes only. It does not constitute financial, legal, or professional advice. Credit score, CIBIL rules, loan terms, and financial policies may change from time to time as per regulatory updates.
Readers are advised to verify all information from official sources and consult with a qualified financial advisor or their respective bank before making any financial decision. The website and the author shall not be held responsible for any loss, damage, or consequence arising directly or indirectly from the use of the information provided in this article.
