CIBIL Score: Kya aap bhi loan lene ke liye bank jaate ho aur pehla sawal CIBIL Score ka hota hai? Agar score high hai toh loan fatafat approve, warna interest rate badh jaati hai ya reject ho jaata hai. But don’t worry, aaj hum bataayenge CIBIL Score ka full funda – kaise calculate hota hai, kaun se factors matter karte hain, aur kaise improve karein. Ye article padh kar aap ban jaaoge credit guru, aur bank wale kahenge “Wah, perfect borrower!”
CIBIL Score Kaise Calculate Hota Hai?
Pehle samjhte hain, CIBIL Score kya hota hai? Ye aapka financial report card hai, jo credit bureaus jaise TransUnion CIBIL banate hain. Score 300 se 900 ke beech hota hai – 750 ya usse upar ko excellent mana jaata hai. High score matlab low risk borrower, isliye loan milna easy aur interest kam. Low score? Toh secured loan bhi mehenga pad sakta hai. Ab chaliye, calculation ke secrets pe!
1. Payment History: Sabse Bada Factor (30% Weightage)
Ye CIBIL Score ka boss hai! Yahan dekha jaata hai ki aapne EMIs, credit card bills time pe bhare ya nahi. Agar late payments hue, kitne din late, ya miss kiye – sab track hota hai. Tip: Hamesha due date se pehle pay karo. Ek baar miss karne se score gir sakta hai, lekin consistent on-time payments se badh jaata hai. Past defaults ya settlements bhi negative impact dete hain. So, payment history ko clean rakho!
2. Credit Utilization Ratio (CUR): Kitna Credit Use Kar Rahe Ho? (25% Weightage)
Ye aapke total credit limit ka wo hissa hai jo aap use kar rahe ho. Example: Agar credit card limit 1 lakh hai aur aapne 40,000 use kiya, toh CUR 40% hai. Ideal? 30% se kam! Zyada use karne se lagta hai aap financially stressed ho, score down. Tip: Multiple cards rakho lekin limit cross mat karo. Har mahine full bill pay karo taaki utilization low rahe.
3. Credit Mix aur History: Variety aur Age Matter (25% Weightage)
CIBIL dekhta hai aapke loans ka type – secured (jaise home loan, auto loan jahan collateral hota hai) ya unsecured (personal loan, credit card). Mix mein zyada secured loans better, kyunki ye low-risk dikhate hain. Plus, credit history ki length: Jitni purani (2-3 saal se zyada), utna acha. Naya account? Score thoda dip kar sakta hai initially. Tip: Ekdum se multiple loans mat lo, gradually build karo.
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4. Other Factors: New Accounts aur Enquiries (20% Weightage)
Baki score in cheezon pe depend: Kitne new loans apply kiye recently? Zyada enquiries se lagta hai aap desperate ho, score girta hai. Accounts open/close karna, credit utilization fluctuations – sab count hota hai. Tip: Saal mein 2-3 se zyada loan applications avoid karo. Hard enquiries (jab bank check karta hai) ko minimize rakho.
Ab improve kaise karein? Regular CIBIL report check karo (free annually), errors correct karwao. Old debts clear karo, utilization low rakho, aur diverse credit mix banao. Yaad rakho, score overnight nahi badalta – 3-6 months lagte hain changes dikhne mein.
Toh, ab aap jaan gaye na CIBIL Score calculation ka asli raaz? Isse follow karo, aur next time loan apply karte waqt bank wale impressed ho jayenge. Share karo ye tips apne friends ke saath, aur comment mein batao aapka score kitna hai! #CIBILScore #LoanTips #CreditScore
