{"id":430,"date":"2026-02-03T00:00:00","date_gmt":"2026-02-02T18:30:00","guid":{"rendered":"https:\/\/getexpressloans.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95-%e0%a4%a8%e0%a5%87-%e0%a4%aa%e0%a4%b0%e0%a5%8d%e0%a4%b8%e0%a4%a8%e0%a4%b2-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%b0%e0%a4%bf%e0%a4%9c%e0%a5%87%e0%a4%95%e0%a5%8d\/"},"modified":"2026-03-22T20:15:32","modified_gmt":"2026-03-22T14:45:32","slug":"%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95-%e0%a4%a8%e0%a5%87-%e0%a4%aa%e0%a4%b0%e0%a5%8d%e0%a4%b8%e0%a4%a8%e0%a4%b2-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%b0%e0%a4%bf%e0%a4%9c%e0%a5%87%e0%a4%95%e0%a5%8d","status":"publish","type":"post","link":"https:\/\/getexpressloans.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95-%e0%a4%a8%e0%a5%87-%e0%a4%aa%e0%a4%b0%e0%a5%8d%e0%a4%b8%e0%a4%a8%e0%a4%b2-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%b0%e0%a4%bf%e0%a4%9c%e0%a5%87%e0%a4%95%e0%a5%8d\/","title":{"rendered":"\u092c\u0948\u0902\u0915 \u0928\u0947 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0930\u093f\u091c\u0947\u0915\u094d\u091f \u0915\u093f\u092f\u093e \u2014 \u0905\u092c \u0915\u094d\u092f\u093e \u0915\u0930\u0947\u0902? 7 \u0905\u0917\u0932\u0947 \u0915\u0926\u092e"},"content":{"rendered":"<p>\u092c\u0948\u0902\u0915 \u0915\u093e \u0930\u093f\u091c\u0947\u0915\u094d\u0936\u0928 \u092e\u0948\u0938\u0947\u091c \u0906\u0928\u093e \u2014 \u092f\u0939 \u0905\u0928\u0941\u092d\u0935 \u0928\u093f\u0930\u093e\u0936\u093e\u091c\u0928\u0915 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0905\u0902\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u092c\u0939\u0941\u0924 \u0915\u0921\u093c\u0947, automated \u0915\u094d\u0930\u093e\u0907\u091f\u0947\u0930\u093f\u092f\u093e \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u2014 \u0914\u0930 \u0905\u0917\u0930 \u0906\u092a\u0915\u0940 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0909\u0928\u0915\u0947 \u0915\u093f\u0938\u0940 \u090f\u0915 \u092c\u0949\u0915\u094d\u0938 \u092e\u0947\u0902 \u092b\u093f\u091f \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940, \u0924\u094b \u0938\u093f\u0938\u094d\u091f\u092e \u0930\u093f\u091c\u0947\u0915\u094d\u091f \u0915\u0930 \u0926\u0947\u0924\u093e \u0939\u0948\u0964 \u091a\u093e\u0939\u0947 \u0906\u092a\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 \u0915\u092e \u0939\u094b, CIBIL \u0925\u094b\u0921\u093c\u093e \u0915\u092e \u0939\u094b, \u092f\u093e \u0928\u094c\u0915\u0930\u0940 \u0915\u094b \u0905\u092d\u0940 8 \u092e\u0939\u0940\u0928\u0947 \u0939\u0940 \u0939\u0941\u090f \u0939\u094b\u0902\u0964<\/p>\n<h2>\u0930\u093f\u091c\u0947\u0915\u094d\u0936\u0928 \u0915\u0947 \u092c\u093e\u0926 \u092f\u0947 7 \u0915\u093e\u092e \u0915\u0930\u0947\u0902<\/h2>\n<h2>1. \u0930\u093f\u091c\u0947\u0915\u094d\u0936\u0928 \u0915\u093e \u0915\u093e\u0930\u0923 \u091c\u093e\u0928\u0947\u0902<\/h2>\n<p>\u092c\u0948\u0902\u0915 \u0915\u094b RBI \u0915\u0947 \u092b\u0947\u092f\u0930 \u092a\u094d\u0930\u0948\u0915\u094d\u091f\u093f\u0938\u0947\u091c \u0915\u094b\u0921 \u0915\u0947 \u0924\u0939\u0924 \u0906\u092a\u0915\u094b \u0930\u093f\u091c\u0947\u0915\u094d\u0936\u0928 \u0915\u093e \u0915\u093e\u0930\u0923 \u092c\u0924\u093e\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948 \u2014 \u0905\u0917\u0930 \u0906\u092a \u092e\u093e\u0902\u0917\u0947\u0902 \u0924\u094b\u0964 \u0905\u092a\u0928\u0940 \u092c\u0948\u0902\u0915 \u0936\u093e\u0916\u093e \u092e\u0947\u0902 \u091c\u093e\u0915\u0930 \u092f\u093e \u0915\u0938\u094d\u091f\u092e\u0930 \u0915\u0947\u092f\u0930 \u0915\u094b \u0915\u0949\u0932 \u0915\u0930\u0915\u0947 \u092f\u0939 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0932\u0947\u0902\u0964 \u092f\u0939 \u0906\u092a\u0915\u094b \u092c\u0924\u093e\u090f\u0917\u093e \u0915\u093f \u0905\u0938\u0932 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u094d\u092f\u093e \u0939\u0948\u0964<\/p>\n<h2>2. \u0924\u0941\u0930\u0902\u0924 \u0926\u0942\u0938\u0930\u0940 \u091c\u0917\u0939 \u0905\u092a\u094d\u0932\u093e\u0908 \u092e\u0924 \u0915\u0930\u0947\u0902<\/h2>\n<p>\u092f\u0939 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u0917\u0932\u0924\u0940 \u0939\u0948 \u091c\u094b \u0932\u094b\u0917 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u0930 \u0939\u093e\u0930\u094d\u0921 \u0907\u0928\u094d\u0915\u094d\u0935\u093e\u092f\u0930\u0940 \u0938\u0947 CIBIL \u0938\u094d\u0915\u094b\u0930 5\u201310 \u0905\u0902\u0915 \u0917\u093f\u0930\u0924\u093e \u0939\u0948\u0964 5 \u091c\u0917\u0939 \u090f\u0915 \u0938\u093e\u0925 \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0938\u094d\u0915\u094b\u0930 30\u201350 \u0905\u0902\u0915 \u0917\u093f\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u2014 \u0914\u0930 \u0924\u092c \u0906\u092a\u0915\u0947 \u0935\u093f\u0915\u0932\u094d\u092a \u0914\u0930 \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<h2>3. \u0905\u092a\u0928\u093e CIBIL \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/h2>\n<p>CIBIL \u0915\u0940 \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u092a\u0930 \u090f\u0915 \u092c\u093e\u0930 \u092b\u094d\u0930\u0940 \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 \u092a\u0942\u0930\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0926\u0947\u0916\u0947\u0902\u0964 \u0915\u0908 \u092c\u093e\u0930 \u0917\u0932\u0924 \u090f\u0902\u091f\u094d\u0930\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902 \u2014 \u092a\u0941\u0930\u093e\u0928\u093e \u0932\u094b\u0928 \u091c\u094b \u092c\u0902\u0926 \u0939\u094b \u0917\u092f\u093e \u092a\u0930 CIBIL \u092e\u0947\u0902 \u0905\u092d\u0940 \u092d\u0940 &#8220;open&#8221; \u0926\u093f\u0916 \u0930\u0939\u093e \u0939\u0948\u0964 \u0907\u0938\u0947 dispute \u0915\u0930\u0915\u0947 \u0920\u0940\u0915 \u0915\u0930\u0935\u093e\u090f\u0902\u0964<\/p>\n<h2>4. NBFC \u0915\u094b \u090f\u0915\u094d\u0938\u092a\u094d\u0932\u094b\u0930 \u0915\u0930\u0947\u0902<\/h2>\n<p>NBFCs \u2014 \u091c\u0948\u0938\u0947 Bajaj Finance, Tata Capital, IIFL Finance, Poonawalla Fincorp \u2014 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0924\u0930\u0939 rigid \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0947\u0964 \u0935\u0947:<\/p>\n<ul>\n<li>\u0915\u092e CIBIL \u0938\u094d\u0915\u094b\u0930 (650+) \u092a\u0930 \u092d\u0940 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902<\/li>\n<li>\u0915\u092e \u0938\u0948\u0932\u0930\u0940 (\u20b920,000+) \u092a\u0930 \u092d\u0940 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902<\/li>\n<li>\u0915\u092e \u0928\u094c\u0915\u0930\u0940 \u0905\u0928\u0941\u092d\u0935 (6 \u092e\u0939\u0940\u0928\u0947) \u092a\u0930 \u092d\u0940 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902<\/li>\n<li>\u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092d\u0940 \u0915\u0935\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902<\/li>\n<\/ul>\n<h2>5. \u0932\u094b\u0928 \u0905\u092e\u093e\u0909\u0902\u091f \u0915\u092e \u0915\u0930\u0947\u0902<\/h2>\n<p>\u0905\u0917\u0930 \u0906\u092a\u0928\u0947 \u20b93 \u0932\u093e\u0916 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u093f\u092f\u093e \u0925\u093e \u0914\u0930 \u0930\u093f\u091c\u0947\u0915\u094d\u091f \u0939\u0941\u090f, \u0924\u094b \u20b91\u20131.5 \u0932\u093e\u0916 \u0915\u0947 \u0932\u093f\u090f \u0915\u094b\u0936\u093f\u0936 \u0915\u0930\u0947\u0902\u0964 \u091b\u094b\u091f\u093e \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935 \u0939\u094b\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u091c\u093c\u094d\u092f\u093e\u0926\u093e \u0939\u094b\u0924\u0940 \u0939\u0948 \u2014 \u0914\u0930 \u092f\u0939 \u0906\u092a\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0939\u093f\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u094b \u092d\u0940 \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u090f\u0917\u093e\u0964<\/p>\n<h2>6. DSA \/ \u0932\u094b\u0928 \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u092a\u094d\u0932\u0947\u0938 \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0947\u0902<\/h2>\n<p>\u090f\u0915 \u0905\u091a\u094d\u091b\u093e \u0932\u094b\u0928 DSA (Direct Selling Agent) \u092a\u0939\u0932\u0947 soft eligibility check \u0915\u0930\u0924\u093e \u0939\u0948 \u2014 \u091c\u093f\u0938\u0938\u0947 CIBIL \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u092b\u093f\u0930 \u0935\u0939 10\u201315 NBFCs \u092e\u0947\u0902 \u0906\u092a\u0915\u0940 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u092e\u0948\u091a \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u0938\u092c\u0938\u0947 \u0938\u0939\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u0926\u093f\u0916\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0924\u0930\u0940\u0915\u093e \u0938\u092c\u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 effective \u0939\u0948\u0964<\/p>\n<h2>7. 30\u201345 \u0926\u093f\u0928 \u0930\u0941\u0915\u0947\u0902<\/h2>\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u093e CIBIL \u0939\u093e\u0932 \u092e\u0947\u0902 \u0915\u0908 \u0907\u0928\u094d\u0915\u094d\u0935\u093e\u092f\u0930\u0940 \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u0941\u0906 \u0939\u0948, \u0924\u094b 30\u201345 \u0926\u093f\u0928 \u0930\u0941\u0915\u0928\u093e \u0938\u092e\u091d\u0926\u093e\u0930\u0940 \u0939\u0948\u0964 \u0907\u0938 \u092c\u0940\u091a \u092e\u094c\u091c\u0942\u0926\u093e EMIs \u0938\u092e\u092f \u092a\u0930 \u091a\u0941\u0915\u093e\u090f\u0902, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e \u092c\u0915\u093e\u092f\u093e \u0915\u092e \u0915\u0930\u0947\u0902 \u2014 \u0914\u0930 \u092b\u093f\u0930 \u0926\u094b\u092c\u093e\u0930\u093e try \u0915\u0930\u0947\u0902\u0964<\/p>\n<hr\/>\n<p style=\"background:#f0f7ff;border-left:4px solid #1a73e8;padding:16px 20px;border-radius:4px;\">\n<strong>\u0905\u092d\u0940 \u0905\u092a\u0928\u0940 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u091c\u093e\u0901\u091a\u0947\u0902 \u2014 \u092c\u093f\u0928\u093e CIBIL \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0905\u0938\u0930 \u0921\u093e\u0932\u0947\u0964<\/strong><br \/>\n<a href=\"https:\/\/wa.me\/919876543210?text=Hi%2C+I+want+to+check+my+personal+loan+eligibility\" target=\"_blank\" rel=\"noopener\"><br \/>\n\ud83d\udc49 WhatsApp \u092a\u0930 GetExpressLoans \u0938\u0947 \u092c\u093e\u0924 \u0915\u0930\u0947\u0902 \u2014 2 \u092e\u093f\u0928\u091f \u092e\u0947\u0902 \u091c\u0935\u093e\u092c \u092e\u093f\u0932\u0947\u0917\u093e\u0964<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092c\u0948\u0902\u0915 \u0928\u0947 \u0932\u094b\u0928 \u0930\u093f\u091c\u0947\u0915\u094d\u091f \u0915\u093f\u092f\u093e? \u0918\u092c\u0930\u093e\u090f\u0902 \u0928\u0939\u0940\u0902\u0964 \u092f\u0939\u093e\u0902 \u091c\u093e\u0928\u0947\u0902 7 \u0910\u0938\u0947 \u0915\u0926\u092e \u091c\u094b \u0906\u092a\u0915\u094b \u0938\u0939\u0940 NBFC \u0924\u0915 \u092a\u0939\u0941\u0902\u091a\u093e\u090f\u0902\u0917\u0947 \u2014 \u092c\u093f\u0928\u093e CIBIL \u0938\u094d\u0915\u094b\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u093f\u090f\u0964<\/p>\n","protected":false},"author":3,"featured_media":634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[54],"tags":[],"ppma_author":[47],"class_list":["post-430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-rejection-nbfcs"],"authors":[{"term_id":47,"user_id":3,"is_guest":0,"slug":"rahul-verma","display_name":"Rahul Verma","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/ac2aaf2ffc9e1ea74ab18f7c24b3263a3a74dfd137d64d3fdfb60bfe06dbe776?s=96&d=wavatar&r=g","0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/430","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/comments?post=430"}],"version-history":[{"count":1,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/430\/revisions"}],"predecessor-version":[{"id":587,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/430\/revisions\/587"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/media\/634"}],"wp:attachment":[{"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/media?parent=430"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/categories?post=430"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/tags?post=430"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/ppma_author?post=430"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}