Personal Loan : ऐसे पता करें अपना CIBIL Score, कितना ले सकते है Loan

आज के समय में तत्काल पैसों की जरूरत पड़ने पर Personal Loan सबसे बेस्ट ऑप्शन माना जाता है।

आपको कितना Personal Loan मिलेगा ये काफी हद तक आपके सिबिल स्कोर (CIBIL Score) पर निर्भर करता है।

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अगर आपका CIBIL Score अच्छा है तो आपके पर्सनल लोन अप्रूव होने के चांस को बढ़ा देता है इसी के साथ आपको कम इंट्रेस्ट रेट्स पर भी लोन मिल जाता है।

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CIBIL Score 300 से 900 अंकों के बीच होता है। अगर CIBIL Score 750 या उससे ज्यादा होता है तो बैंक आपको आसानी से लोन दे सकती है।

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CIBIL Score आपके 24 महीने की क्रेडिट हिस्ट्री के हिसाब से बनता है।

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अगर आपने बैंक से लोन या क्रेडिट कार्ड ले रखा है और उसके EMI या बिल का भुगतान समय पर नहीं करते हैं तो इससे आपका क्रेडिट स्कोर खराब हो सकता है।

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कई बार बैंक अकाउंट में मिनिमम बैलेंस मैंटेन न करने या उसमें माइनस में बैलेंस होने पर भी आपका CIBIL Score खराब होता है।

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ऐसे पता करें अपना CIBIL Score

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होम पेज पर Get Your Free CIBIL Score को Click करें।

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यहाँ सबसे पहले अपना Name, E-mail-ID दर्ज करें और एक Password बनाएं।

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इसके बाद अपना कोई ID प्रूफ (Passport Number, PAN Card Number, Aadhar Card or Voter ID Number) चुनें।

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अब अपना Pin code, Date of Birth और Mobile Number दर्ज करें।

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सारी जानकारी दर्ज करने के बाद, Accept and continue के बटन पर Click करें।

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अब अपने Mobile पर मिले OTP को डालें और continue के बटन पर क्लिक करें।

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‘Your Enrollment was Successful’, यह मैसेज आपके फोन स्क्रीन पर प्राप्त होगा, फिर website के Dashboard पर जाएं।

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यहाँ आपका CIBIL Score आपके सामने आ जायेगा।

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