CIBIL Score How to Check | सिबिल स्कोर कैसे चेक करें?

How to Check CIBIL Score Free Online? CIBIL Score Kaise Check Karen: Dosto, hamein apne jeevan ke padav mein kai bar tangi ka samna karna padta hai. Arthik tangi se bachne ke liye hum bankon ki taraf rukh karte hain.

Hum apni jaruraton ko pura karne ke liye loan lete hain. Sabse acchi baat hai ki bankon ke madhyam se aapko jarurat padne par kam byaj daron par loan diya jata hai. Jab bhi kahin loan ki charcha hoti hai, to cibil score usmein se mukhya roop se charcha mein hota hai.

Yadi aapka CIBIL score sahi hai to koi bhi bank aapko aasani se loan de dega. Yadi aapka cibil score achcha nahi hai to iss sthiti mein bank aapka loan reject kar sakta hai.

Sabse aham baat yah hai ki aapko apne cibil score ko banaye rakhna bahut jaruri hota hai. Taki aapko kisi bhi mushkil waqt mein loan lete waqt kisi bhi samasya ka samna na karna pade.

Dosto, kya aap jante hain cibil score ke bare mein. Yah shabd sunane mein to bahut milta hai. Magar sahi arthon mein iska matlab shayad hi kisi ko pata ho.

Yadi aapko bhi cibil score ke bare mein janana hai, to yah article aapko cibil score se sambandhit sabhi prakar ki jankariyan pradan karega. Aaiye jante hain, cibil score kya hota hai aur iska mahatva kya hai. Aaj ke iss article ka kendrit vishay hoga ki cibil score check kaise kare.

 

सिबिल स्कोर क्या होता है?

Cibil score ek English ka shabd hai. Jiska pura naam Credit Information Bureau India Limited hai. CIBIL: Credit Information Bureau (India) Limited cibil score ek vyakti ka financer data hota hai. Jiska istemal loan ya credit card dene ke liye kiya jata hai.

Credit Information Bureau India Limited aap ki bank mein lenden aur PAN card se information jutakar yah data taiyar karta hai. Jiska istemal baad mein loan lene ke liye kiya jata hai. Issi data ko cibil credit report ke roop mein pesh kiya jata hai.

Cibil score ko credit information report athwa CIR bhi kaha jata hai. Mukhya roop se cibil score ko ghatane aur badhane mein payment history, credit exposure, loan ka prakar aur loan ki samay awadhi mukhya bhumika nibhati hai.

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सिबिल स्कोर अधिकतम कितना हो सकता है? (CIBIL Score How to Check)

Dosto, cibil score ki range 300 se lekar 900 tak ki hoti hai. 300 iska nyunatam star hota hai. Wahi dusri aur 920 iska adhiktam satra hota hai. 750 tak ke cibil score wale vyakti ko ek jimmedaar udharkarta mana jata hai. Cibil score mukhya roop se panch prakar ka ho sakta hai.

NA/ NH Cibil Score

NA/ NH: Yadi aap jindagi mein pahli bar loan le rahe hain to aisi sthiti mein aapka cibil score NA/ NH ke roop mein dikhaya jayega. NA ka matlab hota hai: Not available or NH ka matlab hota hai: No history.

Yadi aapne jindagi mein pehle kabhi credit card ka istemal kiya hi nahi hai. Ya phir koi loan nahi liya hai. To is sthiti mein aapka koi bhi CIBIL score generate nahi hoga.

Yadi aap apna CIBIL score create karna chahte hain. To iske liye aapko chahiye ki aap apna credit card banwaye, jisse aapka cibil score badh sake. “How to Check CIBIL Score Free Online? CIBIL Score Kaise Check Karen”

350 से लेकर 549 तक का सिबिल स्कोर:

Yadi aapka cibil score 350 se lekar 549 tak ki range mein aata hai, to iska matlab hai ki aapka cibil score bahut hi bura hai. Aap apne credit card ki payment ko samay par nahi bharte hain. Ya phir apne koi loan liya hai, jisko aapne puri tarah se chukaya nahi hai.

Ya phir loan ki kist samay par nahi bharte hain. Yadi aapka cibil score iss range mein hai, to aapko koi naya loan mil pana bahut hi mushkil hota hai. Iss range ke vyaktiyon ko bank defaulter ke roop mein panjikrit kar dete hain. Jo bhavishya mein aapko loan lene se vanchit kar sakta hai.

550 से लेकर 649 तक का सिबिल स्कोर।

Yadi aapka CIBIL score 550 se lekar 649 tak ke beech mein aata hai. To isko ek acchi category mein mana jata hai. Magar iss category mein bhi aapko loan milne mein kafi dikkat aa sakti hai.

Iss range ke vyakti apni kisto ka bhugtan to karte hain. Magar unhe kist bhugtan karne mein dikkat aati hai. Isliye hi vah samay par apni kisto ka bhugtan nahi kar paate.

Iss range ke grahakon ko kuchh hi bank credit card ya phir loan dete hain. Yadi aap aasani se loan lena chahte hain, to iske liye aapko apne cibil score ko sudharna hoga.

650 से लेकर 749 तक का सिबिल स्कोर

Yadi aapka cibil score 650 se lekar 749 tak ki range mein hai. To iska matlab aap ek jimmedar vyakti hain. Aur aapka cibil score sahi hai. Iss sthiti mein koi bhi bank aapko loan de deta hai.

Halanki aapko abhi bhi apne cibil score ko accha karne ki jarurat hai. Yadi aap nirantar samay par credit card ka bhugtan karte rahenge. Ya phir loan ki kisto ko dete rahenge to dheere dheere aur bhi accha ho jayega.

750 से लेकर 900

Yadi aapka CIBIL score 750 se adhik hai, to aap bahut hi acchi grahak hain. Koi bhi bank aapko loan dene se mana nahi karega. Aur sabse acchi baat yah hai ki itne cibil score par aapko kam byaj daron par loan mil jayega.

Jin logo ka cibil score 750 se adhik hota hai. Wah apni credit card history ko up to date rakhte hain Sath hi sath pehle liye gaye loan ka bhugtan bhi samay par kiya hoga. Aamtaur par dekha jata hai ki online loan dene wale platform bhi aapse 750 ka hi CIBIL score mangte hain.

इसे भी पढ़े – 10000 Ka Loan Kaise Le (10000 का लोन कैसे ले)?

सिबिल स्कोर को प्रभावित करने वाले कारक।

Dosto, ab hum baat karenge cibil score ko prabhavit karne wale karko ke bare mein. Darasal kai baar humse jaane anjane mein choti choti galtiyan ho jati hai. Jinka hamare cibil score par gehra prabhav padta hai.

CIBIL score ko accha banaye rakhne ke liye aapko un karko ke bare mein janna jaruri hai. Jin karkon ke aadhar par cibil score ko nirdharit kiya jata hai. “How to Check CIBIL Score Free Online? CIBIL Score Kaise Check Karen”

पेमैंट इतिहास (Payment History):

Humne pehle bhi bataya, cibil score ko aapke credit card ke record aur yadi aapne pehle loan liya hai. To iss loan ke aadhar par tay kiya jata hai. Yadi aap apne credit card ki kist ko samay par bharte hain.

Aur loan ki MIB prati mahine samay par bharte hain. To is sthiti mein aapka cibil score badhane lagta hai.

Yadi aap samay par kisto ka bhugtan nahi karte. To is sthiti mein aapka CIBIL score kharab hone lagta hai. Yadi aap 30 dinon tak kisi kist ka bhugtan nahin karte hain, to iss sthiti mein aapka cibil score 100 anko tak niche gir sakta hai.

Credit Utilisation Ratio:

Vaise to aap ek se adhik loan aur ek se adhik credit card rakh sakte hain. Magar dhyan rahe aapko adhik rupaye ka istemal nahi karna hai. Yadi aap ek se adhik credit card ya phir loan le rahe hain.

To aap jyada rashi na le kyunki jyada rashi ka karja hona aapke cibil score par nakaratmak prabhav dalta hai. Yadi aap kai jagah se loan le lete ho.

To isko bharane ke liye aapke paas paise bhi jyada hi hona chahiye. Aur agar aap loan le rahe ho to jahir si baat hai ki aap arthik tangi se gujar rahe ho.

Iss sthiti mein bank sochne lagta hai ki aap jaldi hi bank ka paisa lekar bhagne wale ho. To iss sthiti mein aapka cibil score girne lagta hai. Credit score ko maintain rakhne ke liye aapko credit card ki limit 30% tak hi prayog mein leni chahiye.

Loan/ Credit Card Ka Prakar Samay Awadhi:

Dosto, cibil score call maintain rakhne ke liye aapki credit history bhi check ki jaati hai. Usmein yah bhi dekha jata hai ki aap pichle kitne varshon se credit card ka istemal karte hain. Ya phir kitne varshon se apne koi loan le rakha hai.

Yadi aap kai varshon se iss tarah ka len den karte aaye hain. To jahir si baat hai ki aapko paise dene mein company sankoch nahi karegi. Isliye loan ke samay awadhi, cibil score ko badhane mein madadgar sabit hoti hai.

Iske alava yah bhi check kiya jata hai ki aap kitne samay mein, kitne loan ke liye apply kar chuke hain. Yadi aapne kam hi samay mein bahut jyada loan ke liye apply kiya hai. To iss sthiti mein aapke cibil score par bhi negative effect padta hai. “How to Check CIBIL Score Free Online? CIBIL Score Kaise Check Karen”

इसे भी पढ़े – Pan Card Se Loan Kaise Le | पैन कार्ड से लोन कैसे लेते हैं?

सिबिल स्कोर को केसे बढ़ा सकते हैं?

Dosto, cibil score ki mahatvata to aap jante hi honge. Kisi bhi mushkil waqt mein aap loan lene ke bare mein vichar karte hain. To isme cibil score ek mahatvapurna bhumika Nibhata hai. Kyunki cibil score ke aadhar par hi tay hota hai ki kis grahak ko loan dena hai aur kisko nahi.

Jin grahako ka cibil score accha hota hai, unki loan application swikar kar li jati hai. Wahi dusri aur jin grahako ka cibil score kharab hota hai, unki loan application reject ho jati hai. Isliye aapko cibil score ka dhyan rakhna chahiye.

Kuch grahakon ka cibil score kharab ho jata hai. To ab aapko chinta karne ki jarurat nahi hai, ab hum janenge ki ise kaise badha sakte hain. Ek baar yadi aapka cibil score badh gaya to fir koi bhi bank aapko aasani se loan de dega.

• Apni mahine ki kisto ko samay par bharen.
• Credit card ka bill due date se pahle hi bhare.
• Sabhi kisto ki puri rashi pratikriti bhare. Baad ke liye kisi bhi kist ko piche mat dalen. Isse aapke cibil score par negative effect ho sakta hai.
• Credit card ka sirf 30% tak hi istemal karen.
• Samay samay par apna credit score check karte rahe. Yadi usme koi galti hai to use sudhare.

अच्छा सिबिल स्कोर होने के फ़ायदे।

Dosto, ab hum baat karenge ki acha cibil score hone par aapko kya kya fayde milte hain.

Kam Byaj Dar: Acha cibil score hone ka matlab yahi hota hai ki bank aapko anya grahako ke muqable mein kam byaj dar par loan dene ko raji ho jata hai. Kyonki bank ko yakeen hota hai ki aap uska paisa wapas kar doge. Isliye bank ke ek vishvasniya grahak hone ke karan aapko kam byaj daro par hi loan de di jati hai.

Loan Milne Me Aasani: Aksar dekha jata hai ki kuch log bank se loan to le lete hai. Magar uska bhugtan nahi karte. Aise mein banko ka bahut saare paise vyarth ho jata hai. Inhi kuch karno ki vajah se bank bahut soch samjh kar loan deta hai.

Yadi aapka cibil score acha hai to aapko anya grahako ke muqable mein aasani se loan de di jayegi. Kam cibil score wale logo ko loan lene mein kathinai uthani padti hai. Kai baar to aisa hota hai, unki loan application ko hi reject kar diya jata hai. Yadi aapka cibil score acha hai, to aapko koi bhi bank asani se loan dega.

Ucch Rin Seema Aur Ucch Credit Seema: Jin grahako ka cibil score acha hota hai, unko anya grahako ke muqable mein jyada credit seema di jati hai. Sath hi sath yadi vah loan lete hai to inko anya grahako ke muqable mein rin seema di jati hai. Bank ka grahako par pura vishwas hota hai ki vah loan rashi ko wapas kar denge. Isliye hi bank in ko loan rashi dete samay hichkichate nahi hai. “How to Check CIBIL Score Free Online? CIBIL Score Kaise Check Karen”

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How to Check Your CIBIL Score Online (सिबिल स्कोर को ऑनलाइन चेक कैसे करें)?

Dosto, ab humne cibil score ke bare mein jankari to prapt kar li hai. Ab hum janenge ki yadi aapko apna cibil score janna ho, to usse aap kaise check kar sakte hain. Cibil score ko check karne ke liye aapko kisi bank ya bank shakha mein jaane ki jarurat nahi hai. Aap aasani se apne phone ke madhyam se hi usse check kar sakte hain.

How to Check CIBIL Score Free Online- Step By Step Process:

Step-1: Sabse pehle to aapko cibil security official website par jana hoga. Cibil score ki official website par jaate hi aapko “get your cibil score now” ka vikalp dikhega.

Official cibil score website link: www.cibil.com

Step-2: Aapko isme login karna hai. Yadi aapka cibil score official website par account nahi hai. To aap yahin se “Get your CIBIL score now” par click kar ke account bhi create kar sakte hain.

Step-3: Is link par click karne ke pashchat aapko ek naye form par le jaya jayega. Jahan par aapse aapki avashyak jankari mangi jayegi. Jaise ki aapka naam, janam tithi, nivas sthan ka pata, Bharat sarkar dwara jaari kiya gaya koi ID proof aur pichhle loan history ke bare mein aapse kuch jankari mangi jayegi. Yah sab jankari aapko usmein darj kar deni hai.

Step-4: Yah sab jankari dene ke pashchat aapko payment wale page par le jaya jayega. Cibil score janne ke liye aapko 470 rupaye ki payment karni hoti hai. Iske liye aap apne credit card, debit card ya phir upi ID ki bhi madad le sakte hain.

Step-5: Payment kar dene ke pashchat aapko authentication page par le jaya jata hai Jahan par aapse aapki credit history ke bare mein panch sawal puche jate hain. Yadi aap teen sawalon ke jawab nahi dete hain. To aapki authentication swikar li jati hai. Uske baad aapki cibil score report 24 ghante ke andar aapko mail kar di jati hai.

Yadi kisi karanvash aap authentication mein paas nahi ho paate to aapko nirash hone ki jarurat nahi hai. Aap iss sthiti mein application ki hard copy ki cibil official website ko email ke madhyam se bhej sakte hain.

क्या हम सिबिल स्कोर को फ्री चेक कर सकते हैं?

Dosto, official CIBIL score check karne ke liye aapko ek subscription plan lena hi padta hai. Subscription plan ke antargat hi aap apna cibil score check kar sakte hain. Anyatha aap apna cibil score kisi dusre tarike se nahi check kar sakte hain.

Ek sthiti yah bhi ho sakti hai ki aap apne bank mein jakar apna cibil score check kara sakte hain. Ho sakta hai ki bank aapko aapka CIBIL score bata de. Yadi online platform yani ki google jaise platform par koi free me cibil score check karne ka dawa karta hai. To vah puri tarah se vishvasniya nahi ho sakta hai.

Ho sakta hai ki aapka bank bhi iss data ko manne se inkar kar de. Isliye aapko official website se hi CIBIL score check karna chahiye.

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Conclusion (CIBIL Score How to Check)

Dosto, aaj ke iss article mein humne jana ki kis prakar se CIBIL score online hi check kiya ja sakta hai. Sath hi sath humne cibil score ke bare mein mahatvpurn jankarion “How to Check CIBIL Score Free Online? CIBIL Score Kaise Check Karen” ke bare mein bhi vistar purvak charcha ki.

Asha hai ki aapko CIBIL score se sambandhit sabhi prakar ki jankari iss article mein mil gayi hogi. Yadi aapko Cibil score se sambandhit koi anya samasya hai to aap usse comment section mein bata sakte hain. Jaldi aapka jawab diya jayega.

Aisi hi loan sambandhit jankari ke liye aap hamari website ke homepage par ja sakte hain. Jahan par aapko iss prakar ki bahut si jankari mil jayegi. Yah article apne dosto ko jarur bheje. Taki kisi bhi mushkil waqt mein unki madad ho sake.