{"id":439,"date":"2026-02-06T00:00:00","date_gmt":"2026-02-05T18:30:00","guid":{"rendered":"https:\/\/getexpressloans.com\/blog\/%e0%a4%ac%e0%a4%81%e0%a4%95%e0%a5%87%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%9c-%e0%a4%a8%e0%a4%be%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%b2%e0%a5%87-%e0%a4%86%e0%a4%a4%e0%a4%be\/"},"modified":"2026-03-22T20:15:30","modified_gmt":"2026-03-22T14:45:30","slug":"%e0%a4%ac%e0%a4%81%e0%a4%95%e0%a5%87%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%9c-%e0%a4%a8%e0%a4%be%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%b2%e0%a5%87-%e0%a4%86%e0%a4%a4%e0%a4%be","status":"publish","type":"post","link":"https:\/\/getexpressloans.com\/blog\/%e0%a4%ac%e0%a4%81%e0%a4%95%e0%a5%87%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%9c-%e0%a4%a8%e0%a4%be%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%b2%e0%a5%87-%e0%a4%86%e0%a4%a4%e0%a4%be\/","title":{"rendered":"\u092c\u0901\u0915\u0947\u0928\u0947 \u0915\u0930\u094d\u091c \u0928\u093e\u0915\u093e\u0930\u0932\u0947 \u2014 \u0906\u0924\u093e \u0915\u093e\u092f \u0915\u0930\u093e\u0935\u0947? 7 \u092a\u0941\u0922\u0940\u0932 \u092a\u093e\u0935\u0932\u0947"},"content":{"rendered":"<p>\u092c\u0901\u0915\u0947\u091a\u093e \u0928\u0915\u093e\u0930 \u092f\u0947\u0923\u0947 \u2014 \u0939\u093e \u0905\u0928\u0941\u092d\u0935 \u0928\u093f\u0930\u093e\u0936\u093e\u091c\u0928\u0915 \u0905\u0938\u0924\u094b. \u092a\u0923 \u0939\u0947 \u0905\u0902\u0924 \u0928\u093e\u0939\u0940. \u092c\u0901\u0915\u093e\u0902\u0915\u0921\u0947 \u0915\u0920\u094b\u0930, \u0938\u094d\u0935\u092f\u0902\u091a\u0932\u093f\u0924 \u0928\u093f\u0915\u0937 \u0905\u0938\u0924\u093e\u0924 \u2014 \u0906\u0923\u093f \u091c\u0930 \u0924\u0941\u092e\u091a\u0940 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0924\u094d\u092f\u093e\u0902\u091a\u094d\u092f\u093e \u090f\u0916\u093e\u0926\u094d\u092f\u093e \u092c\u0949\u0915\u094d\u0938\u092e\u0927\u094d\u092f\u0947 \u092c\u0938\u0924 \u0928\u0938\u0947\u0932, \u0924\u0930 \u0938\u093f\u0938\u094d\u091f\u092e \u0928\u093e\u0915\u093e\u0930\u0924\u0947. \u092a\u0917\u093e\u0930 \u0915\u092e\u0940 \u0905\u0938\u094b, CIBIL \u0925\u094b\u0921\u093e \u0915\u092e\u0940 \u0905\u0938\u094b, \u0915\u093f\u0902\u0935\u093e \u0928\u094b\u0915\u0930\u0940\u0932\u093e 8 \u092e\u0939\u093f\u0928\u0947 \u091d\u093e\u0932\u0947 \u0905\u0938\u094b\u0924.<\/p>\n<h2>\u0928\u0915\u093e\u0930\u093e\u0928\u0902\u0924\u0930 \u0939\u0947 7 \u0915\u093e\u092e \u0915\u0930\u093e<\/h2>\n<h2>1. \u0928\u0915\u093e\u0930\u093e\u091a\u0947 \u0915\u093e\u0930\u0923 \u091c\u093e\u0923\u0942\u0928 \u0918\u094d\u092f\u093e<\/h2>\n<p>RBI \u091a\u094d\u092f\u093e Fair Practices Code \u0928\u0941\u0938\u093e\u0930 \u092c\u0901\u0915\u0947\u0928\u0947 \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0928\u0915\u093e\u0930\u093e\u091a\u0947 \u0915\u093e\u0930\u0923 \u0938\u093e\u0902\u0917\u0923\u0947 \u092c\u0902\u0927\u0928\u0915\u093e\u0930\u0915 \u0906\u0939\u0947 \u2014 \u091c\u0930 \u0924\u0941\u092e\u094d\u0939\u0940 \u0935\u093f\u091a\u093e\u0930\u0932\u0947 \u0924\u0930. \u0917\u094d\u0930\u093e\u0939\u0915 \u0938\u0947\u0935\u0947\u0932\u093e \u092b\u094b\u0928 \u0915\u0930\u093e \u0915\u093f\u0902\u0935\u093e \u0936\u093e\u0916\u0947\u0924 \u091c\u093e \u0906\u0923\u093f \u0932\u0947\u0916\u0940 \u0915\u093e\u0930\u0923 \u092e\u093e\u0917\u093e.<\/p>\n<h2>2. \u0932\u0917\u0947\u091a \u0907\u0924\u0930\u0924\u094d\u0930 \u0905\u0930\u094d\u091c \u0915\u0930\u0942 \u0928\u0915\u093e<\/h2>\n<p>\u0939\u0940\u091a \u0938\u0930\u094d\u0935\u093e\u0924 \u092e\u094b\u0920\u0940 \u091a\u0942\u0915 \u0932\u094b\u0915 \u0915\u0930\u0924\u093e\u0924. \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 hard inquiry CIBIL 5\u201310 \u0917\u0941\u0923 \u0915\u092e\u0940 \u0915\u0930\u0924\u0947. 5 \u0920\u093f\u0915\u093e\u0923\u0940 \u090f\u0915\u093e\u091a \u0935\u0947\u0933\u0940 \u0905\u0930\u094d\u091c \u0915\u0947\u0932\u094d\u092f\u093e\u0938 \u0938\u094d\u0915\u094b\u0930 30\u201350 \u0917\u0941\u0923 \u0915\u092e\u0940 \u0939\u094b\u090a \u0936\u0915\u0924\u094b.<\/p>\n<h2>3. CIBIL \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0924\u092a\u093e\u0938\u093e<\/h2>\n<p>CIBIL \u091a\u094d\u092f\u093e \u0935\u0947\u092c\u0938\u093e\u0907\u091f\u0935\u0930 \u090f\u0915\u0926\u093e \u092e\u094b\u092b\u0924 \u0906\u092a\u0932\u093e \u092a\u0942\u0930\u094d\u0923 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092a\u093e\u0939\u093e. \u0905\u0928\u0947\u0915\u0926\u093e \u091a\u0941\u0915\u0940\u091a\u094d\u092f\u093e \u0928\u094b\u0902\u0926\u0940 \u0905\u0938\u0924\u093e\u0924 \u2014 \u092c\u0902\u0926 \u091d\u093e\u0932\u0947\u0932\u0947 \u0915\u0930\u094d\u091c \u0905\u091c\u0942\u0928\u0939\u0940 &#8220;open&#8221; \u0926\u093e\u0916\u0935\u0924 \u0905\u0938\u0947\u0932. \u0939\u0947 dispute \u0915\u0930\u0942\u0928 \u0926\u0941\u0930\u0941\u0938\u094d\u0924 \u0915\u0930\u0935\u093e.<\/p>\n<h2>4. NBFCs \u090f\u0915\u094d\u0938\u092a\u094d\u0932\u094b\u0930 \u0915\u0930\u093e<\/h2>\n<p>Bajaj Finance, Tata Capital, IIFL Finance, Poonawalla Fincorp \u2014 \u0939\u0947 \u092c\u0901\u0915\u093e\u0902\u0938\u093e\u0930\u0916\u0947 \u0915\u0920\u094b\u0930 \u0928\u0938\u0924\u093e\u0924. \u0924\u0947:<\/p>\n<ul>\n<li>\u0915\u092e\u0940 CIBIL (650+) \u0935\u0930 \u0915\u093e\u092e \u0915\u0930\u0924\u093e\u0924<\/li>\n<li>\u0915\u092e\u0940 \u092a\u0917\u093e\u0930 (\u20b920,000+) \u0935\u0930 \u092e\u0902\u091c\u0941\u0930\u0940 \u0926\u0947\u0924\u093e\u0924<\/li>\n<li>\u0915\u092e\u0940 \u0928\u094b\u0915\u0930\u0940 \u0905\u0928\u0941\u092d\u0935 (6 \u092e\u0939\u093f\u0928\u0947) \u0938\u094d\u0935\u0940\u0915\u093e\u0930\u0924\u093e\u0924<\/li>\n<li>\u0916\u093e\u091c\u0917\u0940 \u0915\u0902\u092a\u0928\u094d\u092f\u093e\u0902\u091a\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0928\u093e\u0939\u0940 \u0915\u0935\u094d\u0939\u0930 \u0915\u0930\u0924\u093e\u0924<\/li>\n<\/ul>\n<h2>5. \u0915\u0930\u094d\u091c\u093e\u091a\u0940 \u0930\u0915\u094d\u0915\u092e \u0915\u092e\u0940 \u0915\u0930\u093e<\/h2>\n<p>\u091c\u0930 \u20b93 \u0932\u093e\u0916\u093e\u0902\u0938\u093e\u0920\u0940 \u0905\u0930\u094d\u091c \u0915\u0930\u0942\u0928 \u0928\u093e\u0915\u093e\u0930\u0932\u0947 \u0917\u0947\u0932\u0947, \u0924\u0930 \u20b91\u20131.5 \u0932\u093e\u0916\u093e\u0902\u0938\u093e\u0920\u0940 \u092a\u094d\u0930\u092f\u0924\u094d\u0928 \u0915\u0930\u093e. \u0932\u0939\u093e\u0928 \u0915\u0930\u094d\u091c \u092e\u0902\u091c\u0942\u0930 \u0939\u094b\u0923\u094d\u092f\u093e\u091a\u0940 \u0936\u0915\u094d\u092f\u0924\u093e \u091c\u093e\u0938\u094d\u0924 \u0905\u0938\u0924\u0947.<\/p>\n<h2>6. DSA \/ \u0932\u094b\u0928 \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u092a\u094d\u0932\u0947\u0938 \u0935\u093e\u092a\u0930\u093e<\/h2>\n<p>\u090f\u0915 \u091a\u093e\u0902\u0917\u0932\u093e \u0932\u094b\u0928 DSA \u092a\u094d\u0930\u0925\u092e soft eligibility check \u0915\u0930\u0924\u094b \u2014 \u091c\u094d\u092f\u093e\u092e\u0941\u0933\u0947 CIBIL \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b\u0924 \u0928\u093e\u0939\u0940. \u092e\u0917 \u0924\u094b 10\u201315 NBFCs \u092e\u0927\u094d\u092f\u0947 \u0924\u0941\u092e\u091a\u0940 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u091c\u0941\u0933\u0935\u0924\u094b \u0906\u0923\u093f \u0938\u0930\u094d\u0935\u093e\u0924 \u092f\u094b\u0917\u094d\u092f \u092a\u0930\u094d\u092f\u093e\u092f \u0926\u093e\u0916\u0935\u0924\u094b.<\/p>\n<h2>7. 30\u201345 \u0926\u093f\u0935\u0938 \u0925\u093e\u0902\u092c\u093e<\/h2>\n<p>\u091c\u0930 CIBIL \u0905\u0932\u0940\u0915\u0921\u0947 \u0905\u0928\u0947\u0915 inquiries \u092e\u0941\u0933\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u091d\u093e\u0932\u0947 \u0905\u0938\u0947\u0932, \u0924\u0930 30\u201345 \u0926\u093f\u0935\u0938 \u0925\u093e\u0902\u092c\u0923\u0947 \u0936\u0939\u093e\u0923\u092a\u0923\u093e\u091a\u0947 \u0906\u0939\u0947. \u092f\u093e \u0915\u093e\u0933\u093e\u0924 \u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 EMIs \u0935\u0947\u0933\u0947\u0935\u0930 \u092d\u0930\u093e \u0906\u0923\u093f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092c\u093f\u0932 \u0915\u092e\u0940 \u0915\u0930\u093e.<\/p>\n<hr\/>\n<p style=\"background:#f0f7ff;border-left:4px solid #1a73e8;padding:16px 20px;border-radius:4px;\">\n<strong>\u0906\u0924\u094d\u0924\u093e\u091a \u0924\u0941\u092e\u091a\u0940 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0924\u092a\u093e\u0938\u093e \u2014 CIBIL \u0938\u094d\u0915\u094b\u0930\u0935\u0930 \u0915\u094b\u0923\u0924\u093e\u0939\u0940 \u092a\u0930\u093f\u0923\u093e\u092e \u0939\u094b\u0923\u093e\u0930 \u0928\u093e\u0939\u0940.<\/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 \u0935\u0930 GetExpressLoans \u0936\u0940 \u092c\u094b\u0932\u093e \u2014 2 \u092e\u093f\u0928\u093f\u091f\u093e\u0902\u0924 \u0909\u0924\u094d\u0924\u0930 \u092e\u093f\u0933\u0947\u0932.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092c\u0901\u0915\u0947\u0928\u0947 \u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u0915\u0930\u094d\u091c \u0928\u093e\u0915\u093e\u0930\u0932\u0947? \u0928\u093f\u0930\u093e\u0936 \u0939\u094b\u090a \u0928\u0915\u093e. CIBIL \u0938\u094d\u0915\u094b\u0930 \u0928 \u0926\u0941\u0916\u0935\u0924\u093e \u092f\u094b\u0917\u094d\u092f NBFC \u0915\u0938\u093e \u0936\u094b\u0927\u093e\u0935\u093e \u0924\u0947 \u0907\u0925\u0947 \u091c\u093e\u0923\u0942\u0928 \u0918\u094d\u092f\u093e.<\/p>\n","protected":false},"author":1,"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":[44],"class_list":["post-439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-rejection-nbfcs"],"authors":[{"term_id":44,"user_id":1,"is_guest":0,"slug":"s-p-singh","display_name":"carez","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/274643a890e3f318402346a300fa9525280366b9b6d529d20aa42f4c515821c7?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\/439","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/comments?post=439"}],"version-history":[{"count":1,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/439\/revisions"}],"predecessor-version":[{"id":586,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/439\/revisions\/586"}],"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=439"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/categories?post=439"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/tags?post=439"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/ppma_author?post=439"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}