What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)

What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)
What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)

What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019),  CIBIL Score Kya hota hai aur ise hum kaise check kar Sakte hai. Iss Post me hum aapke sath CIBIL Score ki puri information share kar rahe hai. Iss Post ko End tak read kare jisse aapke What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score || How to Calculate CIBIL Score inn sabhi Questions ke answers mil jayenge. 



What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)
What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)

What is CIBIL Score ? 

CIBIL ki full form Credit Information Bureau India Limited hoti hai. Iski shuruat August 2000 me ek Credit information company ke rup me hui. CIBIL ka foundation western countries ko follow karte hue hi kiya gaya hai, jaha Western countries ne Credit Monitoring System ko year 1950 me hi develop kar diya tha, Vahi India me CIBIL  ko first time August 2000 me Credit Rating Agency ke rup me shuru kiya gaya.


CIBIL various persons (Individual, company) ki Credit rating available karata hai jise CIBIL kehte hai, yeh score uss persons ki previous Financial transactions par based hota hai jisse future me Banks ko uss person ki credibility samajhne me aasani rehti hai.


CIBIL Credit rating model financial market ko jyada transparent , consistent aur regulated karta hai aur sath hi financial institutions me awareness provide karta hai. jisse yeh financial institutions behtar taike se apni Risk manage kar sake aur Baddebts  aur NPA ko minimum kiya ja sake.




How to Check CIBIL Score ? 

CIBIL Score three digit numbers me hota hai jo ki 300 to 900 ke beech me aata hai, jise Banks aur NBFCs persons ki loan repay karne ki capacity aur timly loan repayment karne ki uski iccha janne me use karte hai. 

CIBIL Score Check karne ke liye following steps follow kare :- 

What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)
What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)

1. CIBIL Score check karne ke liye CIBIL official website par form fill karna hoga.

2. Enter your personal details like name, address, contact number etc.

3. CIBIL Score and Credit information report receive karne ke liye aapko nominal fees ka payment karna hoga.

4. Successfully form submit karne ke bad aapko CIBIL Score  and Credit information report Mail par receive ho jayegi. 

CIBIL Score check karne ke liye Offline bhi apply kiya ja sakta hai iske liye aapko CIBIL ki mail id par apni details and demand draft send karna hoga, aur aapko Credit Report bhi usi mail par receive ho jayegi.

How Much CIBIL Score Should be ?

CIBIL Score usally 300 to 900 ke beech range karta hai, Yeh score 300 se down ho sakta but yeh 900 se above kabhi nahi hota hai. Chaliye CIBIL Score ki range ko samajhte hai.... 


Between 300 to 450 :-  Yeh CIBIL score Persons ke liye jyada credible nahi mana jata hai, iss score par aapko apni EMIs timely par payment karni chaiye jisse aapka yeh score improve ho sake.


Between 450 to 600 :- Yeh CIBIL score ki averge range hai, jis par Banks loan provide kar bhi sakte hai aur nahi bhi. yadi aapko credit card diya bhi jata hai toh uski credit limit minimum hoti hai.


Between 600 to 750 :-  Yeh CIBIL Score Best mana jata hai, iss score par normally apko sabhi banks loans and credit card easily provide kar sakte hai. iss score par aapko loan approval me koi problem nahi aayegi.


Between 750 to 900 :-  Yeh CIBIL Score show karta hai ki person ne ek perfect financial track record maintain kiya hua hai, iss score par aapko banks higher amount ke loans provide karne me bhi easily agree ho sakti hai sath hi aapko credit card ki limit bhi higher available ho jayegi.


CIBIL Score jitna higher hoga , loan approval ke chances utne hi jyada honge. Ek survey me prove hua hai ki 79% loans easily approved ho jate hai jinke CIBIL Score 750 se above hote hai.


What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)
What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)
                                          

Best CIBIL Score ?

Normally 600 to 750 ke beech ka CIBIL Score best mana jata hai. iss score par aapko banks se loans and credit lene me koi problem nahi hoti hai. Agar CIBIL Score iss range se bhi above hai toh ye aur bhi accha hai.

How CIBIL Score is Calculated ?

CIBIL Score calculate karne me various factors affect karte hai. usme se kuch important factors ko hum yaha bata rahe hai. 

1. Past Credit Trends :- CIBIL Score mainly aapke Past credit transactions par based hota hai , agar aapke previous loans ki history acchi hai toh aapka CIBIL Score bhi high rahega. yeh CIBIL Score me approx 25-30 % weight age  rakhta hai.

2. Loan Credit Mix and Duration :- CIBIL Score aapke loan credit mix par bhi depend karta hai, yaha credit mix se matlab Secured and unsecured loans se hai ki aapne dono loans kitne liye hai. Yeh bhi CIBIL score me approx 25 to 30% weightage rakhta hai.

3. Unpaid Loans and Credits :- Unpaid total loan amount jise abhi tak pay nahi kiya gaya hai, yeh determine karta hai person par at present pehle se kitna loan hai aur vo yeh sabhi repay karne ke liye able hai bhi ya nahi.

4. Other Factors :-  It includes Loan duration, Customer behavior to repay loan, timely payment factors, credit utilization etc.

Agar aapko hamari yeh information acchi lagi ho toh iss post What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019),  CIBIL Score Kya hota hai ko jyada se jyada share kare.

What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)
What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019)


What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019) What is CIBIL Score || How to Check CIBIL Score || Best CIBIL Score (Full Information 2019) Reviewed by Ganpat Agarwal on April 29, 2019 Rating: 5

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