{"id":432,"date":"2026-02-03T16:00:00","date_gmt":"2026-02-03T10:30:00","guid":{"rendered":"https:\/\/getexpressloans.com\/blog\/%e0%ae%95%e0%af%81%e0%ae%b1%e0%af%88%e0%ae%a8%e0%af%8d%e0%ae%a4-cibil-%e0%ae%ae%e0%ae%a4%e0%ae%bf%e0%ae%aa%e0%af%8d%e0%ae%aa%e0%af%86%e0%ae%a3%e0%af%8d%e0%ae%a3%e0%ae%bf%e0%ae%b2%e0%af%8d-%e0%ae%a4\/"},"modified":"2026-03-22T20:14:55","modified_gmt":"2026-03-22T14:44:55","slug":"%e0%ae%95%e0%af%81%e0%ae%b1%e0%af%88%e0%ae%a8%e0%af%8d%e0%ae%a4-cibil-%e0%ae%ae%e0%ae%a4%e0%ae%bf%e0%ae%aa%e0%af%8d%e0%ae%aa%e0%af%86%e0%ae%a3%e0%af%8d%e0%ae%a3%e0%ae%bf%e0%ae%b2%e0%af%8d-%e0%ae%a4","status":"publish","type":"post","link":"https:\/\/getexpressloans.com\/blog\/%e0%ae%95%e0%af%81%e0%ae%b1%e0%af%88%e0%ae%a8%e0%af%8d%e0%ae%a4-cibil-%e0%ae%ae%e0%ae%a4%e0%ae%bf%e0%ae%aa%e0%af%8d%e0%ae%aa%e0%af%86%e0%ae%a3%e0%af%8d%e0%ae%a3%e0%ae%bf%e0%ae%b2%e0%af%8d-%e0%ae%a4\/","title":{"rendered":"\u0b95\u0bc1\u0bb1\u0bc8\u0ba8\u0bcd\u0ba4 CIBIL \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd\u0ba3\u0bbf\u0bb2\u0bcd \u0ba4\u0ba9\u0bbf\u0ba8\u0baa\u0bb0\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u2014 2025 \u0bb5\u0bb4\u0bbf\u0b95\u0bbe\u0b9f\u0bcd\u0b9f\u0bbf"},"content":{"rendered":"<p>CIBIL \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd 650 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0b87\u0bb2\u0bcd\u0bb2\u0bc8 \u0b8e\u0ba9\u0bcd\u0bb1\u0bc1 \u0ba8\u0bae\u0bcd\u0baa\u0bc1\u0b95\u0bbf\u0bb1\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bbe? \u0b87\u0ba4\u0bc1 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0b89\u0ba3\u0bcd\u0bae\u0bc8\u0baf\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd, \u0b86\u0ba9\u0bbe\u0bb2\u0bcd NBFC\u0b95\u0bb3\u0bcd \u0bb5\u0bbf\u0ba4\u0bcd\u0ba4\u0bbf\u0baf\u0bbe\u0b9a\u0bae\u0bbe\u0b95 \u0b9a\u0bbf\u0ba8\u0bcd\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0bb4\u0bc1 \u0ba8\u0bbf\u0ba4\u0bbf \u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0bc8 \u2014 \u0b9a\u0bae\u0bcd\u0baa\u0bb3\u0bae\u0bcd, \u0bb5\u0bc7\u0bb2\u0bc8 \u0ba8\u0bbf\u0bb2\u0bc8\u0ba4\u0bcd\u0ba4\u0ba9\u0bcd\u0bae\u0bc8, \u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1 \u0ba8\u0b9f\u0ba4\u0bcd\u0ba4\u0bc8 \u2014 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd.<\/p>\n<h2>CIBIL 650 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd \u0b8e\u0ba9\u0bcd\u0ba9?<\/h2>\n<p>CIBIL \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd 300 \u0bae\u0bc1\u0ba4\u0bb2\u0bcd 900 \u0bb5\u0bb0\u0bc8 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. 650 \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc1 \u0b9a\u0bbf\u0bb2 EMI \u0ba4\u0bbe\u0bae\u0ba4\u0b99\u0bcd\u0b95\u0bb3\u0bcd, \u0b85\u0ba4\u0bbf\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bbf\u0baf\u0bbe\u0ba9 \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0bbe\u0b9f\u0bc1, \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b9a\u0bae\u0bc0\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0b95\u0b9f\u0ba9\u0bcd \u0ba8\u0bbf\u0bb0\u0bbe\u0b95\u0bb0\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0b95\u0bbe\u0bb0\u0ba3\u0bae\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd. \u0b87\u0ba4\u0bc1 &#8220;\u0bae\u0bcb\u0b9a\u0bae\u0bbe\u0ba9 \u0b95\u0b9f\u0ba9\u0bcd\u0b95\u0bbe\u0bb0\u0bb0\u0bcd&#8221; \u0b8e\u0ba9\u0bcd\u0bb1\u0bc1 \u0b85\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbe\u0ba4\u0bc1.<\/p>\n<h2>650 CIBIL-\u0bb2\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0ba4\u0bb0\u0bc1\u0bae\u0bcd NBFC\u0b95\u0bb3\u0bcd<\/h2>\n<ul>\n<li><strong>IIFL Finance:<\/strong> 620+ CIBIL-\u0bb2\u0bcd \u0b95\u0bc2\u0b9f \u0b95\u0b9f\u0ba9\u0bcd \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1. \u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0b85\u0bb1\u0bbf\u0b95\u0bcd\u0b95\u0bc8 \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bb5\u0bc7\u0bb2\u0bc8 \u0ba8\u0bbf\u0bb2\u0bc8\u0ba4\u0bcd\u0ba4\u0ba9\u0bcd\u0bae\u0bc8 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bcd.<\/li>\n<li><strong>Fullerton India:<\/strong> 650 CIBIL \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u20b920,000+ \u0b9a\u0bae\u0bcd\u0baa\u0bb3\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b85\u0ba9\u0bc1\u0bae\u0ba4\u0bbf \u0b95\u0bbf\u0b9f\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1\u0bb3\u0bcd\u0bb3\u0ba4\u0bc1.<\/li>\n<li><strong>Shriram Finance:<\/strong> Tier 2 \u0ba8\u0b95\u0bb0\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0ba8\u0bc6\u0b95\u0bbf\u0bb4\u0bcd\u0bb5\u0bbe\u0ba9 \u0bb5\u0bbf\u0ba4\u0bbf\u0bae\u0bc1\u0bb1\u0bc8\u0b95\u0bb3\u0bcd.<\/li>\n<li><strong>Hero FinCorp:<\/strong> \u0bb5\u0bc7\u0bb2\u0bc8 \u0ba8\u0bbf\u0bb0\u0ba8\u0bcd\u0ba4\u0bb0\u0bae\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0ba8\u0b9f\u0ba4\u0bcd\u0ba4\u0bc8\u0baf\u0bc8 \u0b85\u0b9f\u0bbf\u0baa\u0bcd\u0baa\u0b9f\u0bc8\u0baf\u0bbe\u0b95 \u0b95\u0bca\u0bb3\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/li>\n<\/ul>\n<h2>\u0b95\u0b9f\u0ba9\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bc7\u0bb1\u0bc1 \u0b8e\u0ba9\u0bcd\u0ba9 \u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0bbf\u0bb1\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd?<\/h2>\n<ul>\n<li><strong>FOIR (Fixed Obligation to Income Ratio):<\/strong> \u0ba4\u0bb1\u0bcd\u0baa\u0bcb\u0ba4\u0bc8\u0baf EMI \u0b95\u0bc1\u0bb1\u0bc8\u0bb5\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, 650 CIBIL-\u0bb2\u0bc1\u0bae\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0b95\u0bbf\u0b9f\u0bc8\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd.<\/li>\n<li><strong>\u0bb5\u0bc7\u0bb2\u0bc8 \u0ba8\u0bbf\u0bb2\u0bc8\u0ba4\u0bcd\u0ba4\u0ba9\u0bcd\u0bae\u0bc8:<\/strong> \u0b92\u0bb0\u0bc7 \u0ba8\u0bbf\u0bb1\u0bc1\u0bb5\u0ba9\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd 2+ \u0bb5\u0bb0\u0bc1\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u2014 CIBIL \u0b95\u0bc1\u0bb1\u0bc8\u0baa\u0bbe\u0b9f\u0bcd\u0b9f\u0bc8 \u0b9a\u0bae\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/li>\n<li><strong>\u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0b85\u0bb1\u0bbf\u0b95\u0bcd\u0b95\u0bc8:<\/strong> \u0bb5\u0bb4\u0b95\u0bcd\u0b95\u0bae\u0bbe\u0ba9 \u0b9a\u0bae\u0bcd\u0baa\u0bb3 \u0bb5\u0bb0\u0bb5\u0bc1, bounce \u0b86\u0ba9 \u0b95\u0bbe\u0b9a\u0bcb\u0bb2\u0bc8\u0b95\u0bb3\u0bcd \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u2014 \u0b87\u0ba4\u0bc1\u0bb5\u0bc7 \u0bae\u0bbf\u0b95 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bcd.<\/li>\n<\/ul>\n<h2>\u0b8e\u0ba8\u0bcd\u0ba4 \u0bb5\u0b9f\u0bcd\u0b9f\u0bbf \u0bb5\u0bbf\u0b95\u0bbf\u0ba4\u0bae\u0bcd \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd?<\/h2>\n<p>650 CIBIL \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd\u0ba3\u0bbf\u0bb2\u0bcd NBFC\u0b95\u0bb3\u0bcd \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 18%\u201324% \u0bb5\u0b9f\u0bcd\u0b9f\u0bbf \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b87\u0ba4\u0bc1 \u0b85\u0ba4\u0bbf\u0b95\u0bae\u0bbe\u0b95 \u0ba4\u0bcb\u0ba9\u0bcd\u0bb1\u0bb2\u0bbe\u0bae\u0bcd, \u0b86\u0ba9\u0bbe\u0bb2\u0bcd \u0b95\u0bbf\u0bb0\u0bc6\u0b9f\u0bbf\u0b9f\u0bcd \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bbf\u0ba9\u0bcd 36%\u201342% \u0bb5\u0b9f\u0bcd\u0b9f\u0bbf\u0baf\u0bc8 \u0bb5\u0bbf\u0b9f \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0bb5\u0bc1. \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd, \u0b9a\u0bc0\u0bb0\u0bbe\u0ba9 \u0bae\u0bbe\u0ba4\u0bbe\u0ba8\u0bcd\u0ba4\u0bbf\u0bb0 \u0ba4\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bbf\u0b9a\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bb2\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd CIBIL \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd\u0ba3\u0bc8 \u0baa\u0b9f\u0bbf\u0baa\u0bcd\u0baa\u0b9f\u0bbf\u0baf\u0bbe\u0b95 \u0b89\u0baf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1\u0bae\u0bcd.<\/p>\n<hr\/>\n<p style=\"background:#f0f7ff;border-left:4px solid #1a73e8;padding:16px 20px;border-radius:4px;\">\n<strong>\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba4\u0b95\u0bc1\u0ba4\u0bbf\u0baf\u0bc8 \u0b87\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc7 \u0b9a\u0bb0\u0bbf\u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u2014 CIBIL \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd \u0baa\u0bbe\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0bbe\u0ba4\u0bc1.<\/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 GetExpressLoans-\u0b90 WhatsApp-\u0bb2\u0bcd \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0baa\u0bc1 \u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u2014 2 \u0ba8\u0bbf\u0bae\u0bbf\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0baa\u0ba4\u0bbf\u0bb2\u0bcd.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>650 CIBIL \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc6\u0ba3\u0bcd\u0ba3\u0bc1\u0b9f\u0ba9\u0bcd \u0ba4\u0ba9\u0bbf\u0ba8\u0baa\u0bb0\u0bcd \u0b95\u0b9f\u0ba9\u0bcd \u0baa\u0bc6\u0bb1 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bbe? \u0b86\u0bae\u0bcd \u2014 \u0b9a\u0bb0\u0bbf\u0baf\u0bbe\u0ba9 NBFC \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0b9a\u0bbe\u0ba4\u0bcd\u0ba4\u0bbf\u0baf\u0bae\u0bcd. \u0b87\u0b99\u0bcd\u0b95\u0bc7 \u0bb5\u0bbf\u0bb5\u0bb0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0bb1\u0bbf\u0baf\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd.<\/p>\n","protected":false},"author":5,"featured_media":636,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[52],"tags":[],"ppma_author":[49],"class_list":["post-432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cibil-score-guide"],"authors":[{"term_id":49,"user_id":5,"is_guest":0,"slug":"vikram-nair","display_name":"Vikram Nair","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/0628a9ae46e575a853ca4ae4a48a0e8a452bada967541985efb0120794081cfb?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\/432","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/comments?post=432"}],"version-history":[{"count":1,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/432\/revisions"}],"predecessor-version":[{"id":583,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/432\/revisions\/583"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/media\/636"}],"wp:attachment":[{"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/media?parent=432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/categories?post=432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/tags?post=432"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/ppma_author?post=432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}