{"id":3063,"date":"2024-09-24T12:26:22","date_gmt":"2024-09-24T06:56:22","guid":{"rendered":"https:\/\/kreditbazar.com\/blog\/?p=3063"},"modified":"2024-09-30T17:28:23","modified_gmt":"2024-09-30T11:58:23","slug":"%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%b8%e0%a5%88%e0%a4%b2%e0%a4%b0%e0%a5%80%e0%a4%a1-%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%ae%e0%a4%9a%e0%a4%be%e0%a4%b0%e0%a5%80-low-cibil-scores-%e0%a4%aa%e0%a4%b0","status":"publish","type":"post","link":"https:\/\/kreditbazar.com\/blog\/%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%b8%e0%a5%88%e0%a4%b2%e0%a4%b0%e0%a5%80%e0%a4%a1-%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%ae%e0%a4%9a%e0%a4%be%e0%a4%b0%e0%a5%80-low-cibil-scores-%e0%a4%aa%e0%a4%b0\/","title":{"rendered":"\u0915\u0948\u0938\u0947 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 Low CIBIL Scores \u092a\u0930 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902"},"content":{"rendered":"<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_3063\" class=\"pvc_stats total_only  \" data-element-id=\"3063\" style=\"\"><i class=\"pvc-stats-icon small\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/kreditbazar.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" =0 title=\"\"><\/p><div class=\"pvc_clear\"><\/div>\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#low-cibil-scores-\u0915\u0940-\u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901-\u0938\u0948\u0932\u0930\u0940\u0921-\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902-\u0915\u0947-\u0932\u093f\u090f\">Low CIBIL Scores \u0915\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f<\/a><\/li><li><a href=\"#low-cibil-score-\u0915\u094d\u092f\u093e-\u0939\u094b\u0924\u093e-\u0939\u0948\">Low CIBIL Score \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/a><\/li><li><a href=\"#low-cibil-scores-\u0915\u093e-personal-loan-\u0905\u092a\u094d\u0930\u0942\u0935\u0932-\u092a\u0930-\u092a\u094d\u0930\u092d\u093e\u0935\">Low CIBIL Scores \u0915\u093e Personal Loan \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092a\u0930 \u092a\u094d\u0930\u092d\u093e\u0935<\/a><\/li><li><a href=\"#\u0915\u094d\u092f\u093e-\u0938\u0948\u0932\u0930\u0940\u0921-\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940-low-cibil-score-\u0915\u0947-\u0938\u093e\u0925-personal-loan-\u092a\u094d\u0930\u093e\u092a\u094d\u0924-\u0915\u0930-\u0938\u0915\u0924\u0947-\u0939\u0948\u0902\">\u0915\u094d\u092f\u093e \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 Low CIBIL Score \u0915\u0947 \u0938\u093e\u0925 Personal Loan \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/a><\/li><li><a href=\"#low-cibil-scores-\u0915\u0947-\u0938\u093e\u0925-loan-approval-\u0915\u0940-\u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902-\u092c\u0922\u093c\u093e\u0928\u0947-\u0915\u0947-\u0924\u0930\u0940\u0915\u0947\">Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925 Loan Approval \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902 \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947<\/a><\/li><li><a href=\"#low-cibil-scores-\u0915\u0947-\u0938\u093e\u0925-personal-loans-\u0915\u0947-\u0932\u093f\u090f-\u0935\u0948\u0915\u0932\u094d\u092a\u093f\u0915-\u0935\u093f\u0915\u0932\u094d\u092a\">Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925 Personal Loans \u0915\u0947 \u0932\u093f\u090f \u0935\u0948\u0915\u0932\u094d\u092a\u093f\u0915 \u0935\u093f\u0915\u0932\u094d\u092a<\/a><\/li><li><a href=\"#\u0905\u092a\u0928\u0947-cibil-score-\u0915\u094b-\u0938\u0941\u0927\u093e\u0930\u0928\u0947-\u0915\u0947-steps\">\u0905\u092a\u0928\u0947 CIBIL Score \u0915\u094b \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 Steps<\/a><\/li><li><a href=\"#kreditbazar-\u0915\u093e-\u0909\u092a\u092f\u094b\u0917-\u0915\u0930\u0928\u0947-\u0915\u0947-\u0932\u093e\u092d-personal-loans-\u0915\u0947-\u0932\u093f\u090f-low-cibil-scores-\u0915\u0947-\u0938\u093e\u0925\">Kreditbazar \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093e\u092d Personal Loans \u0915\u0947 \u0932\u093f\u090f Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925<\/a><\/li><li><a href=\"#\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937\">\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902, CIBIL \u0938\u094d\u0915\u094b\u0930 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f\u0935\u0930\u094d\u0925\u0928\u0947\u0938 (creditworthiness) \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0938\u0902\u0915\u0947\u0924\u0915 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0947 \u0924\u0940\u0928 \u0905\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u0902\u0916\u094d\u092f\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u094b 300 \u0938\u0947 900 \u0915\u0947 \u092c\u0940\u091a \u0939\u094b\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0907\u0938\u0947 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0939\u093f\u0938\u094d\u091f\u094d\u0930\u0940 (credit history) \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u091c\u0928\u0930\u0947\u091f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0940 \u092a\u0947\u092e\u0947\u0902\u091f \u092a\u0948\u091f\u0930\u094d\u0928\u094d\u0938, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0909\u092a\u092f\u094b\u0917, \u0914\u0930 \u092c\u0915\u093e\u092f\u093e \u0915\u0930\u094d\u091c\u093c (outstanding debts) \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0907\u0902\u0938\u094d\u091f\u093f\u091f\u094d\u092f\u0942\u0936\u0902\u0938 (financial institutions), \u091c\u0948\u0938\u0947 \u092c\u0948\u0902\u0915 \u0914\u0930 NBFCs (Non-Banking Financial Companies), \u0915\u0947 \u0932\u093f\u090f CIBIL \u0938\u094d\u0915\u094b\u0930 \u092f\u0947 \u0924\u092f \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0905\u0939\u092e \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u093f\u0938\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u094b \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u090f\u0932\u093f\u091c\u093f\u092c\u093f\u0932\u093f\u091f\u0940 (eligibility) \u092e\u093f\u0932\u0924\u0940 \u0939\u0948 \u092f\u093e \u0928\u0939\u0940\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u091c\u092c \u0906\u092a \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0932\u0947\u0902\u0921\u0930\u094d\u0938 (lenders) \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0906\u092a\u0915\u0947 CIBIL \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0926\u0947\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0917\u0930 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0939\u093e\u0908 (750 \u0938\u0947 \u090a\u092a\u0930) \u0939\u0948, \u0924\u094b \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u094b \u092f\u0915\u0940\u0928 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a \u0938\u092e\u092f \u092a\u0930 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e \u092a\u093e\u090f\u0902\u0917\u0947\u0964 \u0907\u0938\u0938\u0947 \u0928 \u0915\u0947\u0935\u0932 \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 (loan approval) \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u092c\u0922\u093c\u0924\u0940 \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u0906\u092a\u0915\u094b \u0915\u092e \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u0914\u0930 \u092c\u0947\u0939\u0924\u0930 \u0932\u094b\u0928 \u091f\u0930\u094d\u092e\u094d\u0938 (loan terms) \u092d\u0940 \u092e\u093f\u0932\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"low-cibil-scores-\u0915\u0940-\u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901-\u0938\u0948\u0932\u0930\u0940\u0921-\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902-\u0915\u0947-\u0932\u093f\u090f\">Low CIBIL Scores \u0915\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0939\u093e\u0932\u093e\u0902\u0915\u093f \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0909\u0928\u0915\u0947 \u0938\u094d\u0925\u093f\u0930 \u0907\u0928\u0915\u092e (steady income) \u0915\u0947 \u0915\u093e\u0930\u0923 \u0932\u094b-\u0930\u093f\u0938\u094d\u0915 \u092c\u0949\u0930\u094b\u0935\u0930\u094d\u0938 (low-risk borrowers) \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0932\u094b CIBIL \u0938\u094d\u0915\u094b\u0930 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u0930\u0924\u0947 \u0935\u0915\u094d\u0924 \u0915\u0908 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u092a\u0947\u0936 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u090f\u0915 \u0932\u094b \u0938\u094d\u0915\u094b\u0930 (650 \u0938\u0947 \u0928\u0940\u091a\u0947) \u092f\u0947 \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a\u0928\u0947 \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u094b \u0938\u0939\u0940 \u0938\u0947 \u092e\u0948\u0928\u0947\u091c \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u0948\u0938\u0947 \u0915\u093f \u0921\u093f\u0932\u0947\u0921 \u092a\u0947\u092e\u0947\u0902\u091f\u094d\u0938 (delayed payments), \u0939\u093e\u0908 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u091c (high credit utilization), \u092f\u093e \u0921\u093f\u092b\u0949\u0932\u094d\u091f\u094d\u0938 (defaults), \u091c\u093f\u0938\u0938\u0947 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u091a\u093f\u0902\u0924\u093f\u0924 \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u094b CIBIL \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u092a\u0940\u091b\u0947 \u0906\u092e \u0915\u093e\u0930\u0923 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0921\u093f\u0932\u0947\u0921 \u092f\u093e \u092e\u093f\u0938\u094d\u0921 \u092a\u0947\u092e\u0947\u0902\u091f\u094d\u0938:<\/strong> \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092c\u093f\u0932\u094d\u0938 \u092f\u093e \u0932\u094b\u0928 \u0915\u093e \u0938\u092e\u092f \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0928 \u0915\u0930\u0928\u093e \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0928\u0940\u091a\u0947 \u0932\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0939\u093e\u0908 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0909\u092a\u092f\u094b\u0917:<\/strong> \u0905\u0917\u0930 \u0906\u092a \u0905\u0915\u094d\u0938\u0930 \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u0915\u093e 30-40% \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e (dependency on credit) \u0926\u093f\u0916\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0928\u0947\u0917\u0947\u091f\u093f\u0935\u0932\u0940 \u0907\u092e\u094d\u092a\u0948\u0915\u094d\u091f \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092e\u0932\u094d\u091f\u0940\u092a\u0932 \u0932\u094b\u0928 \u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0902\u0938:<\/strong> \u092c\u093e\u0930-\u092c\u093e\u0930 \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0939\u0930 \u0939\u093e\u0930\u094d\u0921 \u0907\u0902\u0915\u094d\u0935\u093e\u092f\u0930\u0940 (hard inquiry) \u0938\u0947 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0925\u094b\u0921\u093c\u093e \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091a\u0941\u0928\u094c\u0924\u0940 \u092f\u0947 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0915\u093f \u0935\u0947 \u0907\u0928 \u0930\u0941\u0915\u093e\u0935\u091f\u094b\u0902 \u0915\u094b \u092a\u093e\u0930 \u0915\u0930, \u0938\u0938\u094d\u0924\u0940 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u0914\u0930 \u092b\u094d\u0932\u0947\u0915\u094d\u0938\u093f\u092c\u0932 \u0930\u0940\u092a\u0947\u092e\u0947\u0902\u091f \u091f\u0930\u094d\u092e\u094d\u0938 \u0915\u0947 \u0938\u093e\u0925 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0948\u0938\u0947 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"low-cibil-score-\u0915\u094d\u092f\u093e-\u0939\u094b\u0924\u093e-\u0939\u0948\">Low CIBIL Score \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u090f\u0915 Low CIBIL Score \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 650 \u0938\u0947 \u0928\u0940\u091a\u0947 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0932\u0947\u0902\u0921\u0930\u094d\u0938 (lenders) \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 (borrowers) \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0941\u091b \u092e\u093e\u0928\u0915 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>750 \u0914\u0930 \u090a\u092a\u0930:<\/strong> Excellent score; \u092f\u0947 \u090f\u0915 \u0905\u091a\u094d\u091b\u0940 repayment history \u0926\u093f\u0916\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 (loan approval) \u0915\u0940 \u0909\u091a\u094d\u091a \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u0947 \u0938\u093e\u0925 \u092b\u0947\u0935\u0930\u0947\u092c\u0932 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 (favourable interest rates) \u0915\u093e \u0938\u0902\u0915\u0947\u0924 \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>700-750:<\/strong> Good score; \u0905\u0927\u093f\u0915\u0924\u0930 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0915\u094b \u0905\u092a\u094d\u0930\u0942\u0935 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0906\u092a\u0915\u094b \u0938\u092c\u0938\u0947 \u0915\u092e \u0930\u0947\u091f\u094d\u0938 \u0928\u0939\u0940\u0902 \u092e\u093f\u0932 \u0938\u0915\u0924\u0947\u0964<\/li>\n\n\n\n<li><strong>650-700:<\/strong> Average score; \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0938\u0902\u092d\u0935 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u0909\u091a\u094d\u091a \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>650 \u0938\u0947 \u0928\u0940\u091a\u0947:<\/strong> Poor score; \u0932\u094b\u0928 \u0932\u0947\u0928\u093e \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0914\u0930 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u0947\u0935\u0932 \u0939\u093e\u0908-\u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0932\u094b\u0928 (high-interest loans) \u0914\u0930 \u0915\u0921\u093c\u0947 \u0936\u0930\u094d\u0924\u094b\u0902 (stricter conditions) \u0915\u0947 \u0938\u093e\u0925 \u0911\u092b\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f, \u091c\u093f\u0928\u0915\u093e \u0938\u094d\u0915\u094b\u0930 650 \u0938\u0947 \u0928\u0940\u091a\u0947 \u0939\u0948, \u092f\u0939 \u0938\u092e\u091d\u0928\u093e \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948 \u0915\u093f \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0907\u0938 \u0930\u0947\u0902\u091c \u0915\u094b \u0915\u0948\u0938\u0947 \u0926\u0947\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 Low credit scores \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0921\u093f\u092b\u0949\u0932\u094d\u091f (default) \u0915\u093e \u0916\u0924\u0930\u093e \u092c\u0924\u093e\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0935\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u0922\u093c\u093e\u0928\u0947 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0938\u0924\u0930\u094d\u0915 \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"low-cibil-scores-\u0915\u093e-personal-loan-\u0905\u092a\u094d\u0930\u0942\u0935\u0932-\u092a\u0930-\u092a\u094d\u0930\u092d\u093e\u0935\">Low CIBIL Scores \u0915\u093e Personal Loan \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092a\u0930 \u092a\u094d\u0930\u092d\u093e\u0935<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u091c\u092c \u0906\u092a Low CIBIL Score \u0915\u0947 \u0938\u093e\u0925 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0915\u0941\u091b \u092c\u0921\u093c\u0947 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964 \u0905\u0927\u093f\u0915\u0924\u0930 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u094b \u0905\u092a\u094d\u0930\u0942\u0935 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0905\u0928\u093f\u091a\u094d\u091b\u0941\u0915 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u092f\u093e \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0916\u094d\u0924 \u0936\u0930\u094d\u0924\u0947\u0902 \u0932\u0917\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939\u093e\u0901 Low CIBIL Score \u0915\u093e \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092a\u0930 \u092a\u094d\u0930\u092d\u093e\u0935 \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092e\u0947\u0902 \u092e\u0941\u0936\u094d\u0915\u093f\u0932\u0947\u0902:<\/strong> Low CIBIL Score \u0915\u0947 \u0938\u093e\u0925, \u0915\u0908 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0906\u0935\u0947\u0926\u0928 \u0915\u094b \u0938\u0940\u0927\u0947 \u0905\u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0916\u093e\u0938\u0915\u0930 \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0907\u0928\u0915\u092e \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u092f\u094b\u0917\u094d\u092f\u0924\u093e\u0915\u093e\u0930\u0940 \u092e\u093e\u0928\u0926\u0902\u0921 (minimum eligibility criteria) \u0938\u0947 \u0905\u0927\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u091a\u094d\u091a \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938:<\/strong> \u0905\u0917\u0930 \u0906\u092a\u0915\u094b \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935 \u0939\u094b \u092d\u0940 \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u0909\u091a\u094d\u091a \u0938\u094d\u0924\u0930 \u092a\u0930 \u0939\u094b\u0902\u0917\u0947\u0964 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u091c\u094b\u0916\u093f\u092e \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915 \u091a\u093e\u0930\u094d\u091c \u0915\u0930\u0915\u0947 \u0909\u0938\u0915\u0940 \u092d\u0930\u092a\u093e\u0908 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0909\u0927\u093e\u0930\u0940 \u0915\u0940 \u0932\u093e\u0917\u0924 \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0915\u0921\u093c\u0940 \u0932\u094b\u0928 \u0936\u0930\u094d\u0924\u0947\u0902:<\/strong> Low CIBIL Score \u0935\u093e\u0932\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u0915\u0921\u093c\u0940 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u0948\u0938\u0947 \u0915\u093f \u091b\u094b\u091f\u0947 \u0932\u094b\u0928 \u091f\u0947\u0928\u094d\u092f\u094b\u0930 (shorter loan tenures) \u092f\u093e \u0938\u0940\u092e\u093f\u0924 \u0932\u094b\u0928 \u0930\u093e\u0936\u093f (limited loan amounts)\u0964 \u0907\u0938\u0938\u0947 \u0909\u0927\u093e\u0930\u0940 \u0915\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0915\u0930\u0928\u093e \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0947 \u0932\u093f\u090f \u0914\u0930 \u092d\u0940 \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0916\u093e\u0938\u0915\u0930 \u092f\u0926\u093f \u0909\u0928\u094d\u0939\u0947\u0902 \u092c\u0921\u093c\u0947 \u0930\u093e\u0936\u093f\u092f\u094b\u0902 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0964<\/li>\n\n\n\n<li><strong>\u0915\u092e \u0932\u094b\u0928 \u0930\u093e\u0936\u093f:<\/strong> \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0906\u092a\u0915\u0940 \u092f\u094b\u0917\u094d\u092f \u0930\u093e\u0936\u093f \u0915\u094b \u0915\u092e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u094b \u092e\u093e\u0902\u0917\u0940 \u0917\u0908 \u0930\u093e\u0936\u093f \u0938\u0947 \u0915\u092e \u0932\u094b\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u0935\u0947 \u0905\u092a\u0928\u0947 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0915\u092e \u0915\u0930 \u0938\u0915\u0947\u0902\u0964 \u092f\u0939 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091a\u0941\u0928\u094c\u0924\u0940\u092a\u0942\u0930\u094d\u0923 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u094b \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u092f\u093e \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0921\u093c\u0947 \u0930\u093e\u0936\u093f\u092f\u094b\u0902 \u0915\u0940 \u0924\u0932\u093e\u0936 \u092e\u0947\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0939\u093e\u0932\u093e\u0902\u0915\u093f, Low CIBIL Scores \u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u094d\u0930\u0942\u0935 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947 \u0905\u092d\u0940 \u092d\u0940 \u092e\u094c\u091c\u0942\u0926 \u0939\u0948\u0902\u0964 NBFCs \u0914\u0930 Fintech \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 \u0905\u0915\u094d\u0938\u0930 \u0915\u092e \u0938\u094d\u0915\u094b\u0930 \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0932\u094b\u0928 \u0911\u092b\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u0939\u093e\u0932\u093e\u0902\u0915\u093f \u0935\u093f\u0936\u0947\u0937 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925\u0964 Kreditbazar \u092a\u0930, \u0939\u092e \u092d\u093e\u0930\u0924 \u0915\u0947 \u0915\u0941\u091b \u092a\u094d\u0930\u092e\u0941\u0916 NBFCs \u0915\u0947 \u0938\u093e\u0925 \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u0940 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u093e\u0915\u093f \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925 \u0909\u0928\u0915\u0947 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0938\u0949\u0932\u094d\u092f\u0942\u0936\u0902\u0938 (personal loan solutions) \u092e\u093f\u0932 \u0938\u0915\u0947\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0915\u094d\u092f\u093e-\u0938\u0948\u0932\u0930\u0940\u0921-\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940-low-cibil-score-\u0915\u0947-\u0938\u093e\u0925-personal-loan-\u092a\u094d\u0930\u093e\u092a\u094d\u0924-\u0915\u0930-\u0938\u0915\u0924\u0947-\u0939\u0948\u0902\">\u0915\u094d\u092f\u093e \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 Low CIBIL Score \u0915\u0947 \u0938\u093e\u0925 Personal Loan \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Low CIBIL Scores \u0915\u0947 \u0932\u093f\u090f \u0932\u094b\u0928 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u091c\u094b Low CIBIL Score \u0915\u0947 \u0938\u093e\u0925 \u0939\u0948\u0902, \u0905\u0915\u094d\u0938\u0930 \u0905\u092a\u0928\u0947 Personal Loan \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b \u0932\u0947\u0915\u0930 \u091a\u093f\u0902\u0924\u093f\u0924 \u0930\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u091c\u092c\u0915\u093f Low CIBIL Score \u0939\u094b\u0928\u0947 \u092a\u0930 \u092f\u0939 \u091a\u0941\u0928\u094c\u0924\u0940\u092a\u0942\u0930\u094d\u0923 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u092b\u093f\u0930 \u092d\u0940 Poor Credit History \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f Personal Loans \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948\u0902\u0964 \u092c\u0938 \u090f\u0915 \u092c\u093e\u0924 \u0939\u0948 \u0915\u093f \u0910\u0938\u0947 \u0932\u094b\u0928 \u0915\u0947 \u0938\u093e\u0925 \u0915\u0921\u093c\u0940 \u0936\u0930\u094d\u0924\u0947\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0909\u091a\u094d\u091a \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938:<\/strong> \u0906\u092a\u0915\u094b \u091c\u094d\u092f\u093e\u0926\u093e \u092c\u094d\u092f\u093e\u091c \u0926\u0947\u0928\u093e \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u091b\u094b\u091f\u0940 \u0930\u0940\u092a\u0947\u092e\u0947\u0902\u091f \u0905\u0935\u0927\u093f:<\/strong> \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u093e \u0938\u092e\u092f \u0915\u092e \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0915\u092e \u0932\u094b\u0928 \u0930\u093e\u0936\u093f:<\/strong> \u0906\u092a\u0915\u094b \u092e\u093e\u0902\u0917\u0940 \u0917\u0908 \u0930\u093e\u0936\u093f \u0938\u0947 \u0915\u092e \u0932\u094b\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0939\u093e\u0932\u093e\u0902\u0915\u093f, NBFCs (Non-Banking Financial Companies) \u0914\u0930 Fintech \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u0947 \u0909\u0926\u092f \u0928\u0947 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925 Personal Loans \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u0906\u0938\u093e\u0928 \u092c\u0928\u093e \u0926\u093f\u092f\u093e \u0939\u0948\u0964 \u092f\u0947 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0909\u0928 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0936\u0947\u0937\u0940\u0915\u0943\u0924 \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092c\u0939\u0941\u0924 \u0905\u091a\u094d\u091b\u093e \u0928\u0939\u0940\u0902 \u0939\u0948, \u0914\u0930 \u0935\u0947 \u0932\u094b\u0928 \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u0915\u0947\u0935\u0932 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0938\u0947 \u092a\u0930\u0947 \u0905\u0928\u094d\u092f \u0915\u093e\u0930\u0915\u094b\u0902 \u0915\u094b \u092d\u0940 \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u092a\u0930, \u0939\u092e \u0915\u0908 \u091f\u0949\u092a-\u0930\u0947\u091f\u0947\u0921 NBFCs \u0915\u0947 \u0938\u093e\u0925 \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u0940 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u093e\u0915\u093f \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b Personal Loans \u092e\u093f\u0932 \u0938\u0915\u0947\u0902, \u092d\u0932\u0947 \u0939\u0940 \u0909\u0928\u0915\u093e CIBIL Score \u0906\u0926\u0930\u094d\u0936 \u0938\u0947 \u0915\u092e \u0939\u094b\u0964 \u0939\u092e\u093e\u0930\u093e \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u0938\u0939\u0940 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u092a\u093e\u0930\u094d\u091f\u0928\u0930\u094d\u0938 \u0938\u0947 \u091c\u094b\u0921\u093c\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u094d\u0939\u0947\u0902 \u0932\u094b\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u092e\u094c\u0915\u093e \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0932\u091a\u0940\u0932\u0940 \u0936\u0930\u094d\u0924\u0947\u0902 \u0914\u0930 \u0906\u0938\u093e\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0926\u094d\u0935\u093e\u0930\u093e CIBIL Scores \u0915\u0947 \u0905\u0932\u093e\u0935\u093e \u0935\u093f\u091a\u093e\u0930 \u0915\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u093e\u0930\u0915<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0939\u093e\u0932\u093e\u0902\u0915\u093f Low CIBIL Score \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948, \u092f\u0939 \u090f\u0915\u092e\u093e\u0924\u094d\u0930 \u0915\u093e\u0930\u0915 \u0928\u0939\u0940\u0902 \u0939\u0948 \u091c\u093f\u0938\u0947 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0932\u094b\u0928 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u0947 \u0938\u092e\u092f \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f, \u0905\u0928\u094d\u092f \u092a\u094d\u0930\u092e\u0941\u0916 \u092a\u0939\u0932\u0942 \u092d\u0940 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0930\u094b\u091c\u0917\u093e\u0930 \u0915\u0940 \u0938\u094d\u0925\u093f\u0930\u0924\u093e:<\/strong> \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0909\u0928 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u093e \u0928\u094c\u0915\u0930\u0940 \u092e\u0947\u0902 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u0916\u093e\u0938\u0915\u0930 \u091c\u094b \u0905\u092a\u0928\u0947 \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915 \u0938\u093e\u0932 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0938\u092e\u092f \u0938\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0907\u0928\u0915\u092e \u0938\u094d\u0924\u0930:<\/strong> \u090f\u0915 \u0938\u094d\u0925\u093f\u0930 \u0914\u0930 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0906\u092f \u0932\u0947\u0902\u0921\u0930 \u0915\u094b \u0906\u0936\u094d\u0935\u0938\u094d\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948 \u0915\u093f \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0938\u092e\u092f \u092a\u0930 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u0939\u094b\u0917\u093e, \u092d\u0932\u0947 \u0939\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u092e \u0939\u094b\u0964<\/li>\n\n\n\n<li><strong>\u092c\u0948\u0902\u0915 \u0915\u0947 \u0938\u093e\u0925 \u0938\u0902\u092c\u0902\u0927:<\/strong> \u092f\u0926\u093f \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0947 \u092a\u093e\u0938 \u0905\u092a\u0928\u0947 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0938\u093e\u0925 \u0932\u0902\u092c\u0947 \u0938\u092e\u092f \u0938\u0947 \u0938\u0902\u092c\u0902\u0927 \u0939\u0948, \u091c\u0948\u0938\u0947 \u0915\u093f \u0935\u0947\u0924\u0928 \u0916\u093e\u0924\u093e \u092f\u093e \u0905\u0928\u094d\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u0924\u094d\u092a\u093e\u0926, \u0924\u094b \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902 \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u0907\u0928 \u0915\u093e\u0930\u0915\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u092c \u0935\u0939 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b NBFCs \u0938\u0947 \u091c\u094b\u0921\u093c\u0924\u093e \u0939\u0948, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f Low CIBIL Scores \u0935\u093e\u0932\u0947 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f \u0932\u094b\u0928 \u0935\u093f\u0915\u0932\u094d\u092a \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"low-cibil-scores-\u0915\u0947-\u0938\u093e\u0925-loan-approval-\u0915\u0940-\u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902-\u092c\u0922\u093c\u093e\u0928\u0947-\u0915\u0947-\u0924\u0930\u0940\u0915\u0947\">Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925 Loan Approval \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902 \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Low CIBIL Score Loans \u092e\u0947\u0902 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u0924\u093e \u0930\u0916\u0928\u0947 \u0935\u093e\u0932\u0947 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u094b \u091a\u0941\u0928\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u091c\u094b Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925 \u0939\u0948\u0902, \u0909\u0928\u094d\u0939\u0947\u0902 \u0909\u0928 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u091c\u094b Poor Credit \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0938\u0947\u0935\u093e\u090f\u0902 \u0926\u0947\u0928\u0947 \u092e\u0947\u0902 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u0924\u093e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u0908 NBFCs \u0914\u0930 Fintech \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 \u0910\u0938\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0915\u093f\u090f \u0917\u090f \u0932\u094b\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 Personal Loans \u0915\u0947 \u0932\u093f\u090f \u0909\u091a\u094d\u091a \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u092a\u0947\u0936 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0932\u091a\u0940\u0932\u0947 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u092a\u0930, \u0939\u092e \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u0909\u0928 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u092a\u093e\u0930\u094d\u091f\u0928\u0930\u094d\u0938 \u0938\u0947 \u091c\u094b\u0921\u093c\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b Low CIBIL Scores \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0932\u094b\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e \u0939\u0948\u0902\u0964 \u0939\u092e\u093e\u0930\u093e \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0905\u0928\u0941\u0915\u0942\u0932 Personal Loan \u0935\u093f\u0915\u0932\u094d\u092a \u0916\u094b\u091c \u0938\u0915\u0947\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u0938\u091f\u0940\u0915 \u0914\u0930 \u092a\u0942\u0930\u094d\u0923 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0906\u0938\u093e\u0928 \u0924\u0930\u0940\u0915\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u092f\u0939 \u0939\u0948 \u0915\u093f \u0906\u092a \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0947\u0902 \u0915\u093f \u0938\u092d\u0940 \u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0938\u091f\u0940\u0915 \u0914\u0930 \u092a\u0942\u0930\u094d\u0923 \u0939\u0948\u0902\u0964 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0906\u092f \u0915\u093e \u092a\u094d\u0930\u092e\u093e\u0923, \u0935\u0947\u0924\u0928 \u092a\u0930\u094d\u091a\u0940, \u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f \u0914\u0930 ID Proof \u092e\u093e\u0902\u0917\u0947\u0902\u0917\u0947\u0964 \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u0924\u094d\u0930\u0941\u091f\u093f \u0915\u0947 \u092f\u0947 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u091c\u092e\u093e \u0915\u0930\u0928\u0947 \u0938\u0947 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 \u0924\u0947\u091c\u0940 \u0906\u090f\u0917\u0940 \u0914\u0930 \u0932\u094b\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902 \u092c\u0922\u093c\u0947\u0902\u0917\u0940\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0930\u0942\u092a \u0938\u0947, \u0938\u094d\u0925\u093f\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u0914\u0930 \u0928\u093f\u092f\u092e\u093f\u0924 \u0935\u0947\u0924\u0928 \u0915\u093e \u092a\u094d\u0930\u092e\u093e\u0923 \u0926\u093f\u0916\u093e\u0928\u0947 \u0938\u0947 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u094b \u0906\u092a\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u092a\u0930 \u092d\u0930\u094b\u0938\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0924\u092c \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u092c \u0906\u092a\u0915\u093e CIBIL Score \u0915\u092e \u0939\u094b, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 \u0926\u093f\u0916\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u092a\u093f\u091b\u0932\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092e\u0941\u0926\u094d\u0926\u094b\u0902 \u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926, \u0906\u092a \u0930\u0940\u092a\u0947\u092e\u0947\u0902\u091f \u0915\u094b \u0938\u0902\u092d\u093e\u0932\u0928\u0947 \u092e\u0947\u0902 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0930\u0942\u092a \u0938\u0947 \u0938\u0915\u094d\u0937\u092e \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u0915\u092e \u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Low CIBIL Scores \u0935\u093e\u0932\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902 \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u092e \u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u091b\u094b\u091f\u0940 \u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u0915\u094b \u092e\u0902\u091c\u0942\u0930 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0927\u093f\u0915 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0938\u0938\u0947 \u0909\u0928\u0915\u093e \u091c\u094b\u0916\u093f\u092e \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0905\u092a\u0928\u0947 \u0935\u093f\u0924\u094d\u0924 \u0915\u093e \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0915\u0930\u0915\u0947 \u0914\u0930 \u0915\u092e \u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0915\u0930, \u0906\u092a \u0905\u092a\u0928\u0947 EMI (Equated Monthly Installments) \u0915\u094b \u092d\u0940 \u0915\u093f\u092b\u093e\u092f\u0924\u0940 \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0938\u0947 \u092c\u091a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u0917\u093e\u0930\u0902\u091f\u0930 \u092f\u093e \u0938\u0939-\u0906\u0935\u0947\u0926\u0915 \u0915\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935 \u0926\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u094b\u0908 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u093e \u0938\u0926\u0938\u094d\u092f \u092f\u093e \u0915\u0930\u0940\u092c\u0940 \u0926\u094b\u0938\u094d\u0924 \u0939\u0948 \u091c\u093f\u0928\u0915\u093e CIBIL Score \u0909\u091a\u094d\u091a \u0939\u0948, \u0924\u094b \u0905\u092a\u0928\u0947 \u0932\u094b\u0928 \u0906\u0935\u0947\u0926\u0928 \u092e\u0947\u0902 \u0909\u0928\u094d\u0939\u0947\u0902 \u0917\u093e\u0930\u0902\u091f\u0930 \u092f\u093e \u0938\u0939-\u0906\u0935\u0947\u0926\u0915 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u091c\u094b\u0921\u093c\u0928\u0947 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902\u0964 \u092c\u0947\u0939\u0924\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092a\u094d\u0930\u094b\u092b\u093c\u093e\u0907\u0932 \u0935\u093e\u0932\u0947 \u0917\u093e\u0930\u0902\u091f\u0930 \u0939\u094b\u0928\u0947 \u0938\u0947 \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0915\u0947 \u092e\u0902\u091c\u0942\u0930 \u0939\u094b\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u093e\u092b\u0940 \u092c\u0922\u093c \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0915\u0940 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u0930\u0947\u0902\u0917\u0947 \u091c\u092c \u0906\u092a\u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f \u0938\u0939-\u0906\u0935\u0947\u0926\u0915 \u0939\u094b\u0917\u093e\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0917\u093e\u0930\u0902\u091f\u0930 \u092f\u093e \u0938\u0939-\u0906\u0935\u0947\u0926\u0915 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0928 \u0915\u0947\u0935\u0932 \u0906\u092a\u0915\u0947 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0924\u093e \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u092f\u0939 \u0905\u0927\u093f\u0915 \u0905\u0928\u0941\u0915\u0942\u0932 \u0932\u094b\u0928 \u0936\u0930\u094d\u0924\u0947\u0902 \u092d\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u0948\u0938\u0947 \u0915\u093f \u0915\u092e \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u092f\u093e \u0909\u091a\u094d\u091a \u0932\u094b\u0928 \u0930\u093e\u0936\u093f\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"low-cibil-scores-\u0915\u0947-\u0938\u093e\u0925-personal-loans-\u0915\u0947-\u0932\u093f\u090f-\u0935\u0948\u0915\u0932\u094d\u092a\u093f\u0915-\u0935\u093f\u0915\u0932\u094d\u092a\">Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925 Personal Loans \u0915\u0947 \u0932\u093f\u090f \u0935\u0948\u0915\u0932\u094d\u092a\u093f\u0915 \u0935\u093f\u0915\u0932\u094d\u092a<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Non-Banking Financial Companies (NBFCs) \u0938\u0947 Loans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0926\u093f \u0906\u092a \u090f\u0915 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0939\u0948\u0902 \u0914\u0930 \u0906\u092a\u0915\u093e CIBIL Score \u0915\u092e \u0939\u0948, \u0924\u094b \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 Personal Loan \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0932\u0917 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, Non-Banking Financial Companies (NBFCs) \u090f\u0915 \u0905\u0927\u093f\u0915 \u0932\u091a\u0940\u0932\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 NBFCs \u0915\u092e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b Personal Loans \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0935\u0943\u0924\u094d\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0935\u0947 \u0906\u092a\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u090f\u0915 \u0935\u094d\u092f\u093e\u092a\u0915 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0938\u0947 \u0926\u0947\u0916\u0924\u0940 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f \u092e\u093e\u0938\u093f\u0915 \u0906\u092f \u0914\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0915\u0930, \u0928 \u0915\u093f \u0915\u0947\u0935\u0932 \u0906\u092a\u0915\u0947 CIBIL Score \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0915\u0947\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u092a\u0930, \u0939\u092e \u0915\u0908 \u0936\u0940\u0930\u094d\u0937 \u0930\u0947\u091f\u0947\u0921 NBFCs \u0915\u0947 \u0938\u093e\u0925 \u0928\u093f\u0915\u091f\u0924\u093e \u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u093e\u0915\u093f \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 Personal Loans \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932 \u0938\u0915\u0947\u0964 \u0939\u092e\u093e\u0930\u0947 NBFC \u092a\u093e\u0930\u094d\u091f\u0928\u0930\u094d\u0938 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u092a\u0947\u092a\u0930\u0935\u0930\u094d\u0915 \u0914\u0930 \u0905\u0927\u093f\u0915 \u0932\u091a\u0940\u0932\u0947 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u0915\u092e CIBIL Scores \u0935\u093e\u0932\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u092d\u0940 \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u0905\u0928\u093e\u0935\u0936\u094d\u092f\u0915 \u092a\u0930\u0947\u0936\u093e\u0928\u0940 \u0915\u0947 \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930 \u0938\u0915\u0947\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Secured Personal Loans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u092e CIBIL Scores \u0935\u093e\u0932\u0947 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0914\u0930 \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948 Secured Personal Loan \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u093e\u0964 \u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0932\u094b\u0928 \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, Secured Loans \u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b \u0932\u094b\u0928 \u0915\u0947 \u0938\u092e\u0930\u094d\u0925\u0928 \u092e\u0947\u0902 \u0938\u0902\u092a\u0924\u094d\u0924\u093f, \u0938\u094b\u0928\u093e, \u092f\u093e \u0905\u0928\u094d\u092f \u092e\u0942\u0932\u094d\u092f\u0935\u093e\u0928 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0947 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0940 \u092a\u0947\u0936\u0915\u0936 \u0915\u0930\u0928\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u091c\u094b\u0916\u093f\u092e \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u0947 \u0915\u092e \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u0914\u0930 \u092c\u0947\u0939\u0924\u0930 \u0932\u094b\u0928 \u0936\u0930\u094d\u0924\u0947\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u092d\u0932\u0947 \u0939\u0940 \u0906\u092a\u0915\u093e CIBIL Score \u0915\u092e \u0939\u094b\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secured Loan \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0928\u0947 \u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 \u090f\u0915 \u091b\u094b\u091f\u093e \u0930\u094b\u0932 \u0928\u093f\u092d\u093e\u090f\u0917\u093e, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0932\u0947\u0902\u0921\u0930 \u0915\u094b \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u093e \u0906\u0936\u094d\u0935\u093e\u0938\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0909\u0928 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948 \u091c\u094b \u0910\u0938\u0947 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0924\u0948\u092f\u093e\u0930 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u094d\u0939\u0947\u0902 \u0905\u0927\u093f\u0915 \u0905\u0928\u0941\u0915\u0942\u0932 \u0932\u094b\u0928 \u0936\u0930\u094d\u0924\u0947\u0902 \u092e\u093f\u0932 \u0938\u0915\u0947\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Salary-Based Loans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u0941\u091b \u0932\u0947\u0902\u0921\u0930\u094d\u0938, \u091c\u093f\u0928\u092e\u0947\u0902 NBFCs \u092d\u0940 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902, \u0910\u0938\u0947 \u0932\u094b\u0928 \u092a\u0947\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0906\u092a\u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0914\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u0938\u094d\u0925\u093f\u0924\u093f \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 Salary-Based Loans \u0915\u092e CIBIL Scores \u0935\u093e\u0932\u0947 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0909\u0924\u094d\u0915\u0943\u0937\u094d\u091f \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948\u0902, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0935\u0947 \u0905\u0915\u094d\u0938\u0930 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 Personal Loans \u0915\u0947 \u0938\u0916\u094d\u0924 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092c\u093e\u092f\u092a\u093e\u0938 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0906\u092a\u0915\u0940 \u0906\u092f \u0914\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u0907\u0924\u093f\u0939\u093e\u0938 \u092a\u0930 \u0905\u0927\u093f\u0915 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0928\u094c\u0915\u0930\u0940 \u0938\u094d\u0925\u093f\u0930 \u0939\u0948 \u0914\u0930 \u0928\u093f\u092f\u092e\u093f\u0924 \u0935\u0947\u0924\u0928 \u092e\u093f\u0932 \u0930\u0939\u093e \u0939\u0948, \u0924\u094b \u0932\u094b\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u0906\u0938\u093e\u0928 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u092a\u0930, \u0939\u092e \u0906\u092a\u0915\u094b \u0939\u092e\u093e\u0930\u0947 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u092a\u093e\u0930\u094d\u091f\u0928\u0930\u094d\u0938 \u0938\u0947 Salary-Based Loans \u0916\u094b\u091c\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u092d\u0932\u0947 \u0939\u0940 \u0906\u092a\u0915\u093e CIBIL Score \u0915\u092e \u0939\u094b, \u0906\u092a \u092b\u093f\u0930 \u092d\u0940 \u0906\u0935\u0936\u094d\u092f\u0915 \u092b\u0902\u0921\u094d\u0938 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0947\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0905\u092a\u0928\u0947-cibil-score-\u0915\u094b-\u0938\u0941\u0927\u093e\u0930\u0928\u0947-\u0915\u0947-steps\">\u0905\u092a\u0928\u0947 CIBIL Score \u0915\u094b \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 Steps<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u092e\u094c\u091c\u0942\u0926\u093e Loans \u0915\u0940 \u0938\u092e\u092f \u092a\u0930 Repayment \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0905\u092a\u0928\u0947 CIBIL Score \u0915\u094b \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0915\u093e\u0930\u0915\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u0939\u0948 \u0938\u092d\u0940 \u092e\u094c\u091c\u0942\u0926\u093e Loans \u0914\u0930 Credit Cards \u092a\u0930 \u0938\u092e\u092f \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u093e\u0964 \u0926\u0947\u0930 \u0938\u0947 \u092f\u093e \u091a\u0942\u0915 \u0917\u090f \u092d\u0941\u0917\u0924\u093e\u0928 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0915\u093e\u092b\u0940 \u0928\u0941\u0915\u0938\u093e\u0928 \u092a\u0939\u0941\u0901\u091a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 Personal Loans \u0915\u0947 \u0932\u093f\u090f \u092f\u094b\u0917\u094d\u092f \u0939\u094b\u0928\u093e \u0915\u0920\u093f\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092d\u0941\u0917\u0924\u093e\u0928 \u0928 \u091a\u0942\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092f\u093e\u0926 \u0926\u093f\u0932\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0905\u0932\u093e\u0930\u094d\u092e \u0938\u0947\u091f \u0915\u0930\u0947\u0902 \u092f\u093e \u0905\u092a\u0928\u0947 \u0938\u0948\u0932\u0930\u0940 \u0905\u0915\u093e\u0909\u0902\u091f \u0938\u0947 \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0915\u091f\u094c\u0924\u0940 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0947\u0902\u0964 \u0928\u093f\u092f\u092e\u093f\u0924 \u0914\u0930 \u0938\u092e\u092f \u092a\u0930 repayments \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0938\u0941\u0927\u093e\u0930\u0947\u0902\u0917\u0947, \u091c\u093f\u0938\u0938\u0947 \u092c\u0947\u0939\u0924\u0930 \u0932\u094b\u0928 \u0936\u0930\u094d\u0924\u0947\u0902 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u0906\u0938\u093e\u0928 \u0939\u094b \u091c\u093e\u090f\u0917\u093e\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Credit Utilization \u0915\u094b \u0915\u092e \u0930\u0916\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0905\u092a\u0928\u0947 CIBIL Score \u0915\u094b \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0914\u0930 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092a\u0939\u0932\u0942 \u0939\u0948 \u0906\u092a\u0915\u0947 Credit Utilization Ratio \u0915\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928, \u091c\u093f\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0906\u092a\u0915\u0947 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u091c\u094b \u0906\u092a \u0909\u092a\u092f\u094b\u0917 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964 \u0906\u0926\u0930\u094d\u0936 \u0930\u0942\u092a \u0938\u0947, \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0947 \u0915\u0941\u0932 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u0915\u0947 30% \u0938\u0947 \u0915\u092e Credit Utilization \u0930\u0916\u0928\u0947 \u0915\u093e \u0932\u0915\u094d\u0937\u094d\u092f \u0930\u0916\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 Credit Card \u0915\u093e \u0915\u0930\u094d\u091c \u0939\u0948, \u0924\u094b \u0907\u0938\u0947 \u091c\u0932\u094d\u0926 \u0938\u0947 \u091c\u0932\u094d\u0926 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0915\u0930\u0947\u0902 \u092f\u093e \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u0915\u094b \u092c\u0922\u093c\u093e\u090f\u0902 \u0924\u093e\u0915\u093f \u0906\u092a\u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u092e \u0939\u094b \u0938\u0915\u0947\u0964 \u0910\u0938\u093e \u0915\u0930\u0928\u0947 \u0938\u0947, \u0906\u092a \u0905\u092a\u0928\u0947 CIBIL Score \u092a\u0930 \u0938\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u0921\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a Personal Loans \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915 \u0906\u0915\u0930\u094d\u0937\u0915 \u0909\u092e\u094d\u092e\u0940\u0926\u0935\u093e\u0930 \u092c\u0928 \u091c\u093e\u090f\u0902\u0917\u0947\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u0915\u0908 Loan Applications \u0938\u0947 \u092c\u091a\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u092e \u0938\u092e\u092f \u092e\u0947\u0902 \u0915\u0908 Loans \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0906\u092a\u0915\u0947 CIBIL Score \u0915\u094b \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0939\u0930 \u0932\u094b\u0928 \u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092a\u0930 \u090f\u0915 \u0939\u093e\u0930\u094d\u0921 \u0907\u0902\u0915\u094d\u0935\u093e\u092f\u0930\u0940 \u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0914\u0930 \u092c\u0939\u0941\u0924 \u0938\u093e\u0930\u0940 \u0907\u0902\u0915\u094d\u0935\u093e\u092f\u0930\u0940\u091c\u093c \u090f\u0915 \u0938\u0902\u0915\u094d\u0937\u093f\u092a\u094d\u0924 \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u094b \u092f\u0939 \u0938\u0902\u0915\u0947\u0924 \u0926\u0947\u0924\u0940 \u0939\u0948\u0902 \u0915\u093f \u0906\u092a \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0915\u091f \u092e\u0947\u0902 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0939 \u0938\u0932\u093e\u0939 \u0926\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948 \u0915\u093f \u0905\u092a\u0928\u0947 \u0932\u094b\u0928 \u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 \u0915\u094b \u092b\u0948\u0932\u093e\u090f\u0902 \u0914\u0930 \u090f\u0915 \u0938\u093e\u0925 \u0915\u0908 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0915\u094b \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092c\u091a\u0947\u0902\u0964 \u0905\u092a\u0928\u0947 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u0940 \u0932\u094b\u0928 \u0909\u0924\u094d\u092a\u093e\u0926 \u0916\u094b\u091c\u0928\u0947 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0947\u0902, \u0928 \u0915\u093f \u0915\u0908 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u092a\u0930 \u0915\u093f \u090f\u0915 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0939\u094b \u091c\u093e\u090f\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Credit Report \u092e\u0947\u0902 Errors \u0915\u0940 \u091c\u093e\u0901\u091a \u0915\u0930\u0947\u0902 \u0914\u0930 \u0938\u0941\u0927\u093e\u0930\u0947\u0902<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0906\u092a\u0915\u0940 CIBIL \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u0915\u094b\u0908 \u092d\u0940 \u0924\u094d\u0930\u0941\u091f\u093f\u092f\u093e\u0901 \u092f\u093e \u0935\u093f\u0938\u0902\u0917\u0924\u093f\u092f\u093e\u0901 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u0921\u093e\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u0905\u092a\u0928\u0940 CIBIL \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u094b \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u091c\u093e\u0902\u091a\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948 \u0924\u093e\u0915\u093f \u0906\u092a \u0915\u093f\u0938\u0940 \u092d\u0940 \u0917\u0932\u0924\u0940 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930 \u0938\u0915\u0947\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f \u0917\u0932\u0924 \u0916\u093e\u0924\u093e \u0935\u093f\u0935\u0930\u0923, \u0917\u0932\u0924 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u093f\u090f \u0917\u090f \u0921\u093f\u092b\u0949\u0932\u094d\u091f \u092f\u093e \u092a\u0941\u0930\u093e\u0928\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0926\u093f \u0906\u092a \u0915\u094b\u0908 \u0924\u094d\u0930\u0941\u091f\u093f \u092a\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a \u0909\u0928\u094d\u0939\u0947\u0902 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0938\u0947 \u0935\u093f\u0935\u093e\u0926 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 Kreditbazar \u092a\u0930, \u0939\u092e \u0906\u092a\u0915\u094b \u0906\u092a\u0915\u0947 CIBIL Score \u0915\u094b \u091f\u094d\u0930\u0948\u0915 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u0915\u0930\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0906\u092a\u0915\u094b \u0924\u094d\u0930\u0941\u091f\u093f\u092f\u094b\u0902 \u0915\u093e \u0935\u093f\u0935\u093e\u0926 \u0915\u0930\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u0906\u092a\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0906\u092a\u0915\u0940 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kreditbazar-\u0915\u093e-\u0909\u092a\u092f\u094b\u0917-\u0915\u0930\u0928\u0947-\u0915\u0947-\u0932\u093e\u092d-personal-loans-\u0915\u0947-\u0932\u093f\u090f-low-cibil-scores-\u0915\u0947-\u0938\u093e\u0925\">Kreditbazar \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093e\u092d Personal Loans \u0915\u0947 \u0932\u093f\u090f Low CIBIL Scores \u0915\u0947 \u0938\u093e\u0925<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u0915\u0908 Lenders \u0924\u0915 \u092a\u0939\u0941\u0901\u091a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u093e \u090f\u0915 \u092c\u0921\u093c\u093e \u0932\u093e\u092d \u0939\u0948 \u0915\u093f \u092f\u0939 \u0906\u092a\u0915\u094b \u0915\u0908 Lending Partners \u0924\u0915 \u092a\u0939\u0941\u0901\u091a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091a\u093e\u0939\u0947 \u0906\u092a NBFCs, \u092c\u0948\u0902\u0915\u094b\u0902 \u092f\u093e Fintech \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0938\u0947 Loans \u0915\u0940 \u0924\u0932\u093e\u0936 \u0915\u0930 \u0930\u0939\u0947 \u0939\u094b\u0902, Kreditbazar \u0938\u092d\u0940 \u0915\u094b \u090f\u0915 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u092a\u0930 \u0932\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 Low CIBIL Scores \u0935\u093e\u0932\u0947 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u0947 \u0932\u094b\u0928 \u0935\u093f\u0915\u0932\u094d\u092a \u0916\u094b\u091c\u0928\u093e \u0906\u0938\u093e\u0928 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0906\u092a \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0905\u092a\u0928\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Pre-Approved Loan Offers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u092a\u0930, \u0939\u092e \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0915\u0908 Loans \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u093e \u0906\u092a\u0915\u0947 CIBIL Score \u0915\u094b \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f \u0939\u092e \u0906\u092a\u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 Pre-Approved Loan Offers \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u0947 \u0932\u094b\u0928 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0924\u0915 \u092a\u0939\u0941\u0901\u091a \u0939\u094b, \u092c\u093f\u0928\u093e \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0914\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u093f\u090f\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pre-approved Loans \u0915\u0947 \u0938\u093e\u0925, \u0906\u092a \u0924\u0947\u091c\u093c Approval \u0914\u0930 Disbursement \u0915\u0940 \u092d\u0940 \u0909\u092e\u094d\u092e\u0940\u0926 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0924\u092c \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948 \u091c\u092c \u0906\u092a\u0915\u094b \u0924\u0941\u0930\u0902\u0924 \u092a\u0948\u0938\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Minimal Documentation \u0914\u0930 Fast Processing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u0932\u094b\u0928 \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u0915\u094d\u0938\u0930 \u0935\u094d\u092f\u0938\u094d\u0924 \u0936\u0947\u0921\u094d\u092f\u0942\u0932 \u092e\u0947\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u0907\u0938\u0932\u093f\u090f \u0939\u092e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u092f \u0915\u094b \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0930\u0916\u093e \u091c\u093e\u090f, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u094b \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u092a\u0930\u0947\u0936\u093e\u0928\u0940 \u0915\u0947 \u0905\u0928\u0941\u092d\u0935 \u0939\u094b \u0938\u0915\u0947\u0964 \u0939\u092e\u093e\u0930\u0947 Lending Partners \u0924\u0947\u091c\u093c \u0932\u094b\u0928 \u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917 \u0915\u0940 \u092a\u0947\u0936\u0915\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u0906\u092a \u0932\u0902\u092c\u0947 \u0938\u092e\u092f \u0924\u0915 \u0907\u0902\u0924\u091c\u093c\u093e\u0930 \u0915\u093f\u090f \u092c\u093f\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0927\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Expert Guidance \u0914\u0930 Support<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0938\u0939\u0940 \u0932\u094b\u0928 \u091a\u0941\u0928\u0928\u093e \u0915\u0920\u093f\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 Low CIBIL Score \u0915\u0947 \u0938\u093e\u0925\u0964 \u092f\u0939\u0940\u0902 \u092a\u0930 Kreditbazar \u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u094b\u0902 \u0915\u0940 \u091f\u0940\u092e \u0906\u092a\u0915\u0940 \u092e\u0926\u0926 \u0915\u0947 \u0932\u093f\u090f \u0906\u0924\u0940 \u0939\u0948\u0964 \u0939\u092e \u0906\u092a\u0915\u094b \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0932\u094b\u0928 \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u094b\u0902 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u0906\u092a \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0916\u094b\u091c\u0947\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0939\u092e\u093e\u0930\u0940 \u0938\u092a\u094b\u0930\u094d\u091f \u091f\u0940\u092e \u0939\u092e\u0947\u0936\u093e \u0906\u092a\u0915\u0947 \u0938\u0935\u093e\u0932\u094b\u0902 \u0915\u093e \u091c\u0935\u093e\u092c \u0926\u0947\u0928\u0947, \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u094b\u0902 \u092e\u0947\u0902 \u0938\u0939\u093e\u092f\u0924\u093e \u0915\u0930\u0928\u0947 \u0914\u0930 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948 \u0915\u093f \u0906\u092a \u090f\u0915 \u0938\u0942\u091a\u093f\u0924 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937\">\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Low CIBIL Score \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926, \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 Loans \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0908 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 NBFCs, Salary-Based Loans \u0914\u0930 Secured Personal Loans \u091c\u0948\u0938\u0947 \u0935\u093f\u0915\u0932\u094d\u092a \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0939\u093e\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u0938\u0902\u092d\u0935 \u092c\u0928\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0905\u0928\u094d\u092f \u0915\u093e\u0930\u0915\u094b\u0902 \u091c\u0948\u0938\u0947 \u0930\u094b\u091c\u0917\u093e\u0930 \u0915\u0940 \u0938\u094d\u0925\u093f\u0930\u0924\u093e, \u092e\u093e\u0938\u093f\u0915 \u0906\u092f \u0914\u0930 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0938\u093e\u0925 \u0938\u0902\u092c\u0902\u0927 \u0915\u094b \u092d\u0940 \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b Low Score Borrowers \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditbazar \u092e\u0947\u0902, \u0939\u092e Low CIBIL Scores \u0935\u093e\u0932\u0947 \u0938\u0948\u0932\u0930\u0940\u0921 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0932\u094b\u0928 \u0935\u093f\u0915\u0932\u094d\u092a \u0916\u094b\u091c\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u0924\u093e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u092e \u0936\u0940\u0930\u094d\u0937 NBFCs \u0938\u0939\u093f\u0924 \u090f\u0915 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0930\u0947\u0902\u091c \u0915\u0947 Lending Partners \u0924\u0915 \u092a\u0939\u0941\u0901\u091a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u0906\u092a\u0915\u094b \u0910\u0938\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0932\u094b\u0928 \u0911\u092b\u0930 \u092e\u093f\u0932\u0947\u0902 \u091c\u094b \u0906\u092a\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0947\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092f\u0926\u093f \u0906\u092a \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u092f \u0914\u0930 \u0932\u091a\u0940\u0932\u0947 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0924\u0947\u091c\u093c \u0914\u0930 \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u092a\u0930\u0947\u0936\u093e\u0928\u0940 \u0935\u093e\u0932\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0932\u094b\u0928 \u0915\u0940 \u0924\u0932\u093e\u0936 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u091c \u0939\u0940 Kreditbazar \u0915\u0940 \u0916\u094b\u091c \u0915\u0930\u0947\u0902 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0930\u093e\u0939\u0924 \u0915\u0940 \u0926\u093f\u0936\u093e \u092e\u0947\u0902 \u092a\u0939\u0932\u093e \u0915\u0926\u092e \u0909\u0920\u093e\u090f\u0902\u0964<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902, CIBIL \u0938\u094d\u0915\u094b\u0930 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f\u0935\u0930\u094d\u0925\u0928\u0947\u0938 (creditworthiness) \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0938\u0902\u0915\u0947\u0924\u0915 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0947 \u0924\u0940\u0928 \u0905\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u0902\u0916\u094d\u092f\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u094b 300 \u0938\u0947 900 \u0915\u0947 \u092c\u0940\u091a \u0939\u094b\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0907\u0938\u0947 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0939\u093f\u0938\u094d\u091f\u094d\u0930\u0940 (credit history) \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u091c\u0928\u0930\u0947\u091f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0940 \u092a\u0947\u092e\u0947\u0902\u091f \u092a\u0948\u091f\u0930\u094d\u0928\u094d\u0938, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0909\u092a\u092f\u094b\u0917, \u0914\u0930 \u092c\u0915\u093e\u092f\u093e \u0915\u0930\u094d\u091c\u093c (outstanding debts) \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n","protected":false},"author":1,"featured_media":3137,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[522,572],"tags":[718,715,720,800,708,712,707,710,723,711,721,706,713,705,714,722,716,724,719],"class_list":["post-3063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cibil-score","category-loan-for-salaried-employee","tag-cibil-","tag-nbfcs","tag-personal-loan","tag-personal-loan--","tag-personal-loan---nbfcs----","tag-personal-loan------","tag-personal-loan-----","tag-personal-loan---","tag-salary-loan","tag-salary-----","tag-secure-loan","tag--cibil---personal-loan--","tag--cibil---","tag--cibil-----","tag-722","tag-716","tag-724","tag-719"],"a3_pvc":{"activated":true,"total_views":27,"today_views":0},"_links":{"self":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts\/3063","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/comments?post=3063"}],"version-history":[{"count":3,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts\/3063\/revisions"}],"predecessor-version":[{"id":3141,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/posts\/3063\/revisions\/3141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/media\/3137"}],"wp:attachment":[{"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/media?parent=3063"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/categories?post=3063"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditbazar.com\/blog\/wp-json\/wp\/v2\/tags?post=3063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}