CIBIL Score : जानिए, सिबिल स्कोर क्यों है जरूरी

अगर आप किसी भी बैंक में लोन या क्रेडिट कार्ड लेने जाते हैं तो बैंक सबसे पहले अपनी Credit Score यानी CIBIL Score को चेक करता है।

बैंक या NBFC आपको कितनी ब्याज दर पर और कितने रुपये तक का लोन देगी यह भी CIBIL Score पर निर्भर करता है।

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CIBIL Score 300 रुपये से लेकर 900 रुपये तक का होता है, आपका CIBIL Score 900 से जितना करीब होगा, लोन लेने में उतनी ही आसनी होगी।

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आमतौर पर 750 से ऊपर के सिबिल स्कोर को अच्छा माना जाता है। ऐसी स्थिति में आपको आसानी से लोन मिल जाता है।

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CIBIL Score की रिपोर्ट में आपकी सभी पर्सनल डिटेल्स, जॉब की डिटेल्स, बैंक अकाउंट डिटेल्स, पहले के लोन के डिटेल्स आदि सभी जानकारी दर्ज होती है।

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अगर आपका CIBIL Score अच्छा होता है तो आपको कम ब्याज दर पर लोन मिलता है।

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अगर आपका CIBIL Score अच्छा है तो आपको बेवजह की बैंक की डॉक्यूमेंटेशन से भी बच जाते हैं।

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CIBIL Score सही रखने के लिए आप अपने लोन के EMI और क्रेडिट कार्ड के बिल को सही समय पर चुकाएं।

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