Intro: CIBIL Score kyun important hai?
Agar aap loan ya credit card lena chahte ho, toh sabse pehle jo cheez bank ya lender check karta hai, wo hai aapka CIBIL Score.
Ye score aapke credit history ka snapshot hota hai — matlab aapne past mein loan ya credit card ka repayment kitna time pe kiya, kitna outstanding balance hai, etc.
CIBIL score range hoti hai 300 se 900 tak. Jitna high score, utna better.
- 750+ = Excellent
- 700–749 = Good
- 650–699 = Average
- 600 se neeche = Poor
Agar aapka score 600 ya usse kam hai, toh aapko loan approval mein dikkat ho sakti hai, ya high interest rate par loan milega.
Lekin good news ye hai: Har kharab CIBIL score sudhaara ja sakta hai — bas sahi steps follow karne hote hain.
💡 1. Apna CIBIL Report Free Mein Check Karo (Sabse Pehla Step)
Har kisi ko saal mein 1 baar free CIBIL report milti hai CIBIL ki official website se:
👉 https://www.cibil.com/freecibilscore
Report check karne se aapko yeh samajh aayega:
- Score kyun gira?
- Kya koi late payment tha?
- Kya koi galti ya error hai report mein?
👉 Action: Pehle report ko dhyan se padho aur likh lo ki kya-kya dikkat hai.
💳 2. Credit Card ka Bill Hamesha Time Pe Bharo
Sabse common reason jisse CIBIL score girta hai: credit card ka late payment.
Agar aap har month minimum due bhi time pe nahi bharte ho, toh ye negative impact daalta hai.
Tips:
- Due date se pehle alert set karo
- Auto-debit activate karo
- Hamesha minimum due se zyada amount pay karo
📉 3. Overlimit Kabhi Mat Jao (Credit Utilization < 30% Rakho)
Agar aapka card limit ₹1,00,000 hai, toh har mahine ₹30,000 se zyada spend mat karo.
30% se zyada credit utilization bhi score ko neeche le jaata hai.
Solution:
- Multiple credit cards use karo to spread limit
- Spending limit set karo app ya netbanking se
❌ 4. Galtiyon ko Dispute Karo (Aksar Score Galat Hota Hai)
Bahut logon ka score CIBIL error ki wajah se girta hai — jaise:
- Loan repay ho gaya but report mein pending dikh raha
- Aapka naam kisi aur ki loan history mein aa gaya
Action:
CIBIL pe login karke dispute form bhar sakte ho. Normally 30 days ke andar correction hota hai.
🧾 5. Old Loan Account Ko Close Mat Karo (Credit History Bachayein)
Bahut log galti se apna paid loan ya old credit card account close kar dete hain.
Lekin inka hona aapki positive credit history show karta hai.
Tips:
- Agar account clean hai (no default), toh open hi rakho
- Minimum activity maintain karo ek transaction se
🏦 6. Secure Loan Lo (Jaise FD ke against loan)
Agar aapka score low hai aur koi bhi unsecured loan ya credit card nahi de raha, toh try karo:
- Secured credit card (Fixed Deposit ke against)
- Loan against FD / Gold
Yeh products aapke CIBIL score ko boost karte hain jab aap time pe repay karte ho.
🕒 7. EMI aur Loan Repayment Kabhi Delay Mat Karo
Har mahine ki EMI ek din bhi late hui toh CIBIL mein record chala jaata hai.
Tips:
- Bank auto-debit enable karo
- EMI calendar ya reminders set karo
- Salary account ko EMI account se link karo
👥 8. Co-signer, Guarantor Banne Se Pehle Socho
Agar aap kisi ke loan ke guarantor ya joint holder ho, aur wo banda default karta hai, toh uska impact aapke score pe bhi padta hai.
Action:
- Sirf trustworthy logon ke hi loan mein co-applicant bano
- Unka repayment track rakho
📱 9. CIBIL Score Monitor Karte Raho Har Month
Aap monthly free report check nahi kar sakte, lekin kuch platforms nominal fees mein score monitoring dete hain jaise:
- OneScore App
- Paisabazaar
- Bankbazaar
Regular monitor karne se aap improvement track kar paoge.
💼 10. Financial Discipline Rakho (Patience is Key)
CIBIL score ek din mein nahi girta, aur ek din mein sudharta bhi nahi.
Normally 3–6 mahine lagte hain noticeable changes lane mein.
Tips:
- Jitna ho sake, outstanding balance clear karo
- Naya loan lene se pehle pura plan banao
- Apne income aur EMI ratio ko balanced rakho (ideally EMI = 30–40% of salary)
📝 Bonus: Kya Naya Loan Mil Sakta Hai Low CIBIL Pe?
Haan, agar aapka score 600 ke around hai, toh aap ye options try kar sakte ho:
- NBFC Personal Loan (interest high hoga)
- Gold Loan / Loan Against FD
- Secured Credit Card
- Buy Now Pay Later apps (BNPL) jaise ZestMoney, LazyPay – lekin time pe repay zaroor karo
🔚 Conclusion: Score Kharab Hai, Toh Sudharna Zaroori Hai
Low CIBIL score se sirf loan nahi balki aapka financial trust bhi kam hota hai. Par good news yeh hai ki agar aap upar diye gaye steps follow karte ho, toh 6 mahine ke andar aap significant improvement dekh paoge.
Action Lo, Regular Raho, Patience Rakho — Score Zaroor Sudhrega!
✅ Quick Recap (Checklist Format):
| Step | Kya Karna Hai |
|---|---|
| 1 | Free CIBIL report check karo |
| 2 | Credit card bill time pe bharo |
| 3 | Credit limit ka 30% se zyada use mat karo |
| 4 | Galtiyon ko dispute karo |
| 5 | Old accounts ko close mat karo |
| 6 | Secured products lo |
| 7 | EMI time pe bharo |
| 8 | Guarantor cautiously bano |
| 9 | Score monitoring karo monthly |
| 10 | Patience rakho aur consistently repay karo |