0 Cibil Score Loan Apply 2024: जीरो सिबिल स्कोर होने पर भी यहां से मिलेगा पूरे 12 लाख का लोन

0 Credit Score Loan Apply: If you haven’t had a loan or credit card yet, getting one can be a little difficult. According to data from TransUnion Equifax, banks approved 29% of new loan applications in the June quarter of 2021 and 2022. However, this figure has come down to 23% in 2023. This means that banks have approved 5% less new credit in the last year.

According to data, there has been a slight decline in loan approvals for individuals linked to credit scores. Currently, there is a decline in the number of people applying for new loans, be it home loans, property mortgage loans, personal loans, or auto loans, there has been a decline in new credit approvals across all categories.

0 Cibil Score Loan Apply 2024

Notably, whenever a person applies for a loan in a bank, the bank first checks his credit history. In such a situation, when the bank does not get the credit history of a person and does not have assurance regarding repayment, the bank does not give him a loan. This decline in approval of new loans also shows that banks have strengthened the rules already set to reduce the risk.

According to experts, whenever a bank increases its lending standards to reduce the risk of its loans, it directly impacts those who do not have a credit history. According to the data, the share of customers taking new credit in this April-June quarter across institutions has declined from 4 percent to 15 percent year-on-year. Whereas the Prime customer’s share and above has increased by 6 percent.

Zero Cibil Score Loan Apply 2024

CIBIL score or credit score is like your financial report card. This is the numerical setting of your reprint history. CIBIL score in India ranges between 300 to 900 – anything above 700 is considered good for loan or credit card approval.

Before providing any type of credit facility, the lender checks your credit score and credit history along with the application. As the official partner of CIBIL, Wishfin allows you to check your CIBIL score, completely free of charge, multiple times, just by entering your PAN card details! Given below are the ways to check your CIBIL score.


The credit score predicts how likely you are to repay the loan on time. A scoring model uses information from your credit report to create your credit score. Companies use a mathematical formula – called a scoring model – to create your credit score from the information in your credit report.

पैसों की टेंशन भूल जाओ- 50,000 का लोन बिना पैन कार्ड के, 60 सेकंड में लोन अप्रूवल

लगवाएं सबसे सस्ता सोलर AC, बिजली का बिल आएगा जीरो, जानें नार्मल AC से कैसे है बेहतर

नेशनल स्कॉलरशिप का नया पोर्टल लांच, इस तरह करें NSP ओ.टी.आर रजिस्ट्रैशन?

G-Pay Loan Apply 2024: गूगल पे से सिर्फ 5 मिनट में ₹1 लाख तक का पर्सनल लोन, यहां से करें अप्लाई

Some factors make up a typical credit score

  • your bill payment history
  • Your current asset balances
  • The number and types of loan accounts you have
  • How long has it been that your loan accounts have been open
  • How much available credit have you used

Apply for new credit

Companies use credit scores to make decisions such as whether to offer you a home loan, credit card, auto loan, or other credit products. Additionally, they are also used to determine the interest rate and credit limit you get on a loan or credit card.

Keep in mind that there is no “one” credit score. It is important that you do not have just “one” credit score and may have multiple credit scores for you and the lender. Any credit score depends on the data that is used to calculate it and may vary depending on the scoring model used, the sources of your credit history, the type of loan product, and even when. It was calculated. Generally, a higher score makes it easier to qualify for a loan and get a better interest rate. Most credit scores range between 300 and 850.

How we can check our Cibil Score?

Apart from the CIBIL website, you can also check your credit score on the websites of banking service providers. To check your credit score on the CIBIL website, you can do it for free or use it by selecting a subscription plan. Using the free subscription, you can view your current CIBIL report once a year. CIBIL has paid plans in which you get various additional features depending on the plan you choose.

कम सिबिल स्कोर पर घबराएं नहीं, यहां से पाएं 8 लाख का लोन, 5 मिनट में लोन खाते में

जल्द से जल्द चाहिए 2.5 लाख रूपए तो यहां से लें इंस्टेंट लोन, Emergency Loan लेने का बेस्ट तरीका

कम सैलरी होने पर सिर्फ KYC करके मिलेगा लोन, अप्लाई करें बिना इनकम प्रूफ लोन

घर बैठे 9 लाख का लोन वो भी बिना सिबिल, बिना किसी गारेंटी के, तुरंत खाते में आएगा पैसा

How to take a loan with a low credit score?

However, the CIBIL score is very important for taking a loan, but you don’t need to worry a lot, if you have a low CIBIL score, then also you can take a loan. yes, it is possible. Here in the below paragraphs, we have mentioned some loan types. Which you can take while having a low CIBIL score.

Here we are going to tell you about some such loans with which you can greatly improve your credit score, which mainly include gold loans, loans against property, loans against securities, etc. This type of loan is called a collateral loan

Gold loan: If you have a bad credit score then you can apply for a gold loan. If you repay the gold loan on time, the bank will improve your credit score significantly.
Loan against property: you can take a loan against your property (land, house, etc.)
Home loan: despite having a low CIBIL score, you can get a home loan from various banks