What is CIBIL Score in hindi

What is CIBIL Score in Hindi

What is CIBIL Score in Hindi, whenever from anywhere want to take any kind of loan want to make a credit card Then the lender means Banks Or, Financial Institute First of all check your CIBIL score.

if your CIBIL score is low do not approve your loan or credit card why does this happen what is CIBIL score? How is the CIBIL score calculated how can you check your CIBIL score for free and the most important thing if you have a low score, how can you improve it? Let's know unlocking Something Credit Information Bureau (India) Limited. 

What is CIBIL Score in Hindi

CIBIL is India's largest and SO What is CIBIL Score in Hindi, credible credit bureau which is almost all the Banks and Financial Institutes Provide Credit Score That's why we Called credited as Cibil score So what does this Cibill score means? All Banks and Financial Institutes All information related to your personal and credit Sends to credit bureau in this way Credit Bureaus has all the information related to your loan and credit. So with credit bureaus such as Cibil Analyse, all your data or information creates a credit report according to that credit report, you get a ranking that is from 300 to 900

What is CIBIL Score in Hindi Feature and Details

This ranking is called Cibil Score, The closer the score is to 900, your performance is considered as good So before giving loan or before credit card Approve See the same credit score because in this credit score you asked the bank to take a loan from it or you have any relation with the bank All things are created by looking at So now we will talk about whether the bank or the credit bureaus By looking at which factor, these credit scores are prepared So, let me tell you that here manly four-factor is the civil hotter who is responsible for it. 

This credit report is created by looking at the four factors who is that four Factors?And which of the factors are given the weightageFriends, the first factor is that your past performance nearly 30% weightage is given when calculating credit score what is the loan you got in past performance? (you have paid or did not pay the loan on Repay time if you have not made payment at the time, it is a wrong impression on your credit score you pay only on payment time, then your credit score will have a positive impact if you guys have a credit card you have been paying her bill at a on time payment or are not Paying time on it. 

How to Calculating CIBIL Score and Credit factor

It also has a great impact on calculating your credit score, how to Calculating CIBIL Score and Credit Factor this happened friends first factor now it comes to the second factor Second Factor's Friends Credit Type and DurationCredit Type Means You have secured a loan or have an unsecured loan and how much time is for the period while calculating this double credit score25% weightage is given to say a credit type means that you have taken a secured loan  or Unsecured loan from BankFriends, if you do not know much about Secured and UnsecuredSo May tell you that a secured loan is the loan that is to take the loan you have a property or a Valuable thing have to keep with the bank and with it is a condition that if  you do not return the loan amount to the bank at the time Decided ,depend on bank only . 

1.So the bank has right to on that proprietary or

2. Will he seize that Value of  things (properties) such a loan is called a secured loan.

What is CIBIL Score in Hindi  With Any type of loan product take a loan against property which type of Secured and Unsecured loan

if you take a gold loan , personal loan , business loan or take a property loan, then all these loans come in the Secured LoanIf you talk about Unsecured Loan, In Bank Unsecured Loans, you do not have to keep anything with the bank by looking at your abilities, the bank gives you a loan you talk about education loan, you do not have to keep anything in the education loan. Bank takes some certificates from you and gives loanIn the same way, if you talk about a personal loan, the same happens in the personal loan. What is CIBIL Score in Hindi  With any type of loan product take a loan against property which type of Secured and Unsecured loan So these whole lanes come in unsecured loans but friends, let me tell you that Secured loans from them are much higher than the interest rate of UnsecuredSo if you have already picked up an unsecured loan from the bank in advance the banker thinks that you have too much interest in the past because of that he does not want to give you a loan and your credit score goes down too.

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The same loan you pay for the loan that you are paying timely same loan you pay for the loan that you are paying timelySo it has a positive impact on your credit score. So now let's talk about the third-factor third factor comes in credit utilization credit utility means to say friends if you have any Credit card and its credit limit is 1 lakh what do you do if you use the full limit of that credit card has a very bad impact on your credit score because Credit Utilization is also given a 25% weightage for calculating credit scoreFriend if you have credit card otherwise banks offer you credit card you should only use up to 3% credit limit on thatIf you use a limit of 30-35% Then your credit score is correctBut if you do that to the total credit limit then it has a wrong effect on your credit score. So let's remember you today if you have a credit card you use only its 30-35% Credit limitless the rest stay the same and you pay the bill on timeNow talk about the fourth factorFourth factor are other many small factories come in like some facts I tell you,

whenever you have to take a loan, what do you do The number of bank accounts you have you apply for a loan in all the banksAll banks send this loan information to Credit BureauThe credit bureaus feel that you are very hungry for the loan because of which your credit score goes down and friends are given 20% weightage to other factories which can greatly lower your credit score you need a loan of 1 LakhBut if you apply it to 5 banksThe credit bureau get 5 lakh information from banks in this way credit bureaus think that you are very hungry for the loan, you applied to 5 places. So friends have a very wrong impression on your credit score whenever you want to take a loan,

You apply only to a bank. Then your credit score will also be maintained and you will get the loan easily but if you apply on 5 Places, your credit score goes down and you do not have a loan approved this is the four-factor that your credit score is calculated by seeing the friends now we know how we will check our credit score there are lots of ways to check Cibil scores you can check though Paissabazar.com Creditmintra.com even now Paytm also launched that you can also, check out what is its official way is that of cibil.comcibil.com is official website of CIBIL credit bureau from where you can know your credit score for free how to know for you,

In your computer or smartphone to any web browser and search itcibil.com/freecibilscoreWhen you search this then a webpage will open up One button will appear to get YOURS now you have to click on that as soon as you click on that then some personal information columns will be opened in it you will also have to give a document you fill up all the information will be told your credit score you can know your credit score with thatThat's, If you want to know from PeytmSo you have to open your Paytm application and comes on the Home screen Three lines on the left side of the Home screen should be visible in the upper corner you have to click on that's soon as you click on that some options will open up has to slide you down new option will appear on my credit score you have to click on my credit scores soon as you click on my credit score then he will be given options to fill some personal details again. Like First Name, Last Name, Date of BirthEmail ID and Phone NumberThis will fill the whole information and then processed credit score will be shown to you but the data that they would be friends will not be of CIBIL,

What is CIBIL Score in Hindi, The way CIBIL is a Credit bureau the same way, Experience is also a credit bureau you can see the data of Paytm.com or Paissabazar.com or CreditMantri.comYou see the data of the Experian credit bureau not see data from civil credit, bureau friends are convinced that CIBIL's credit score is accurate and uses the same credit score approx all bankers and financial institutes you should check with the same you can also learn from here, even if this is not wrong. Here's one thing you can know. Where you are showing the CIBIL Score, you will have 2 options more at bottom will tell you when you go to that Options Then he will tell you what loan you have taken for which credit card you have taken which loan you have already taken before payment completed you have not Completed the payment then which loan is currently are active this whole information will also show on by looking at the data which time of someone else you can see what are those loan that have taken an credit card? or Any bank of credit card.

So What is CIBIL Score  now that if your credit score is very low how can you improve improving I have just told four factors take care of those four factories, Your cibil score will be automatic Improved But this may be a lot of time to get improved in this way you want to imprint very soon you can do it for that you go to your bank and that you FD some money means Make Some Money Fixed Deposit When You Get Fixed deposits almost all the banks have such facilities you can get a credit card for 80% of your fixed deposit amount so you get a credit card of 80%of your fixed deposit amount from him. And use the credit card on 30-35% limited pay his bill on time you do this for 6-7 months automatically your credit score will be impressed.