{"id":442,"date":"2026-02-07T00:00:00","date_gmt":"2026-02-06T18:30:00","guid":{"rendered":"https:\/\/getexpressloans.com\/blog\/%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a6%be%e0%a6%82%e0%a6%95-%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a6%95%e0%a7%8d%e0%a6%a4%e0%a6%bf%e0%a6%97%e0%a6%a4-%e0%a6%8b%e0%a6%a3-%e0%a6%aa%e0%a7%8d%e0%a6%b0%e0%a6%a4\/"},"modified":"2026-03-22T20:15:29","modified_gmt":"2026-03-22T14:45:29","slug":"%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a6%be%e0%a6%82%e0%a6%95-%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a6%95%e0%a7%8d%e0%a6%a4%e0%a6%bf%e0%a6%97%e0%a6%a4-%e0%a6%8b%e0%a6%a3-%e0%a6%aa%e0%a7%8d%e0%a6%b0%e0%a6%a4","status":"publish","type":"post","link":"https:\/\/getexpressloans.com\/blog\/%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a6%be%e0%a6%82%e0%a6%95-%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a6%95%e0%a7%8d%e0%a6%a4%e0%a6%bf%e0%a6%97%e0%a6%a4-%e0%a6%8b%e0%a6%a3-%e0%a6%aa%e0%a7%8d%e0%a6%b0%e0%a6%a4\/","title":{"rendered":"\u09ac\u09cd\u09af\u09be\u0982\u0995 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u098b\u09a3 \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8 \u0995\u09b0\u09b2\u09c7 \u0995\u09c0 \u0995\u09b0\u09ac\u09c7\u09a8 \u2014 \u09ed\u099f\u09bf \u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 \u09aa\u09a6\u0995\u09cd\u09b7\u09c7\u09aa"},"content":{"rendered":"<p>\u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8\u09c7\u09b0 \u09ac\u09be\u09b0\u09cd\u09a4\u09be \u09aa\u09be\u0993\u09af\u09bc\u09be \u2014 \u098f\u0987 \u0985\u09ad\u09bf\u099c\u09cd\u099e\u09a4\u09be \u09b9\u09a4\u09be\u09b6\u09be\u099c\u09a8\u0995\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u098f\u099f\u09be \u09b6\u09c7\u09b7 \u09a8\u09af\u09bc\u0964 \u09ac\u09cd\u09af\u09be\u0982\u0995\u0997\u09c1\u09b2\u09cb\u09b0 \u0995\u09be\u099b\u09c7 \u0995\u09a0\u09cb\u09b0, \u09b8\u09cd\u09ac\u09af\u09bc\u0982\u0995\u09cd\u09b0\u09bf\u09af\u09bc \u09ae\u09be\u09a8\u09a6\u09a3\u09cd\u09a1 \u0986\u099b\u09c7 \u2014 \u0986\u09aa\u09a8\u09be\u09b0 \u09aa\u09cd\u09b0\u09cb\u09ab\u09be\u0987\u09b2 \u09af\u09a6\u09bf \u098f\u0995\u099f\u09bf \u09ac\u09be\u0995\u09cd\u09b8\u09c7\u0993 \u09a8\u09be \u09ac\u09b8\u09c7, \u09b8\u09bf\u09b8\u09cd\u099f\u09c7\u09ae \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8 \u0995\u09b0\u09c7\u0964 \u09ac\u09c7\u09a4\u09a8 \u0995\u09ae \u09b9\u09cb\u0995, CIBIL \u098f\u0995\u099f\u09c1 \u0995\u09ae \u09b9\u09cb\u0995, \u09ac\u09be \u099a\u09be\u0995\u09b0\u09bf \u09ae\u09be\u09a4\u09cd\u09b0 \u09ee \u09ae\u09be\u09b8 \u09b9\u09cb\u0995\u0964<\/p>\n<h2>\u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8\u09c7\u09b0 \u09aa\u09b0 \u098f\u0987 \u09ed\u099f\u09bf \u0995\u09be\u099c \u0995\u09b0\u09c1\u09a8<\/h2>\n<h2>\u09e7. \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8\u09c7\u09b0 \u0995\u09be\u09b0\u09a3 \u099c\u09be\u09a8\u09c1\u09a8<\/h2>\n<p>RBI-\u098f\u09b0 Fair Practices Code \u0985\u09a8\u09c1\u09af\u09be\u09af\u09bc\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8\u09c7\u09b0 \u0995\u09be\u09b0\u09a3 \u099c\u09be\u09a8\u09be\u09a4\u09c7 \u09ac\u09be\u09a7\u09cd\u09af \u2014 \u099a\u09be\u0987\u09b2\u09c7\u0964 Customer care-\u098f \u09ab\u09cb\u09a8 \u0995\u09b0\u09c1\u09a8 \u09ac\u09be \u09b6\u09be\u0996\u09be\u09af\u09bc \u0997\u09bf\u09af\u09bc\u09c7 \u09b2\u09bf\u0996\u09bf\u09a4 \u0995\u09be\u09b0\u09a3 \u099a\u09be\u09a8\u0964<\/p>\n<h2>\u09e8. \u09a4\u09be\u09ce\u0995\u09cd\u09b7\u09a3\u09bf\u0995\u09ad\u09be\u09ac\u09c7 \u0985\u09a8\u09cd\u09af\u09a4\u09cd\u09b0 \u0986\u09ac\u09c7\u09a6\u09a8 \u0995\u09b0\u09ac\u09c7\u09a8 \u09a8\u09be<\/h2>\n<p>\u098f\u099f\u09be\u0987 \u09b8\u09ac\u099a\u09c7\u09af\u09bc\u09c7 \u09ac\u09a1\u09bc \u09ad\u09c1\u09b2\u0964 \u09aa\u09cd\u09b0\u09a4\u09bf\u099f\u09bf hard inquiry CIBIL 5\u201310 \u09aa\u09af\u09bc\u09c7\u09a8\u09cd\u099f \u0995\u09ae\u09be\u09af\u09bc\u0964 \u09eb \u099c\u09be\u09af\u09bc\u0997\u09be\u09af\u09bc \u098f\u0995\u09b8\u09be\u09a5\u09c7 \u0986\u09ac\u09c7\u09a6\u09a8 \u0995\u09b0\u09b2\u09c7 \u09b8\u09cd\u0995\u09cb\u09b0 30\u201350 \u09aa\u09af\u09bc\u09c7\u09a8\u09cd\u099f \u0995\u09ae\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/p>\n<h2>\u09e9. CIBIL \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u099a\u09c7\u0995 \u0995\u09b0\u09c1\u09a8<\/h2>\n<p>CIBIL-\u098f\u09b0 \u0993\u09af\u09bc\u09c7\u09ac\u09b8\u09be\u0987\u099f\u09c7 \u098f\u0995\u09ac\u09be\u09b0 \u09ac\u09bf\u09a8\u09be\u09ae\u09c2\u09b2\u09cd\u09af\u09c7 \u09aa\u09c2\u09b0\u09cd\u09a3 \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u09a6\u09c7\u0996\u09c1\u09a8\u0964 \u0985\u09a8\u09c7\u0995 \u09b8\u09ae\u09af\u09bc \u09ad\u09c1\u09b2 \u098f\u09a8\u09cd\u099f\u09cd\u09b0\u09bf \u09a5\u09be\u0995\u09c7 \u2014 \u09ac\u09a8\u09cd\u09a7 \u09b9\u09af\u09bc\u09c7 \u09af\u09be\u0993\u09af\u09bc\u09be \u098b\u09a3 \u098f\u0996\u09a8\u0993 &#8220;open&#8221; \u09a6\u09c7\u0996\u09be\u099a\u09cd\u099b\u09c7\u0964 Dispute \u0995\u09b0\u09c7 \u09a0\u09bf\u0995 \u0995\u09b0\u09be\u09a8\u0964<\/p>\n<h2>\u09ea. NBFC \u0985\u09a8\u09cd\u09ac\u09c7\u09b7\u09a3 \u0995\u09b0\u09c1\u09a8<\/h2>\n<p>Bajaj Finance, Tata Capital, IIFL Finance, Poonawalla Fincorp \u2014 \u098f\u09b0\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09ae\u09a4\u09cb \u0995\u09a0\u09cb\u09b0 \u09a8\u09af\u09bc\u0964 \u09a4\u09be\u09b0\u09be:<\/p>\n<ul>\n<li>\u0995\u09ae CIBIL (650+) \u09a8\u09bf\u09af\u09bc\u09c7 \u0995\u09be\u099c \u0995\u09b0\u09c7<\/li>\n<li>\u0995\u09ae \u09ac\u09c7\u09a4\u09a8 (\u20b920,000+) \u09a8\u09bf\u09af\u09bc\u09c7\u0993 \u0985\u09a8\u09c1\u09ae\u09cb\u09a6\u09a8 \u09a6\u09c7\u09af\u09bc<\/li>\n<li>\u0995\u09ae \u099a\u09be\u0995\u09b0\u09bf\u09b0 \u0985\u09ad\u09bf\u099c\u09cd\u099e\u09a4\u09be (\u09ec \u09ae\u09be\u09b8) \u0997\u09cd\u09b0\u09b9\u09a3 \u0995\u09b0\u09c7<\/li>\n<li>\u09ac\u09c7\u09b8\u09b0\u0995\u09be\u09b0\u09bf \u0995\u09cb\u09ae\u09cd\u09aa\u09be\u09a8\u09bf\u09b0 \u0995\u09b0\u09cd\u09ae\u099a\u09be\u09b0\u09c0\u09a6\u09c7\u09b0\u0993 \u0995\u09ad\u09be\u09b0 \u0995\u09b0\u09c7<\/li>\n<\/ul>\n<h2>\u09eb. \u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u0995\u09ae\u09be\u09a8<\/h2>\n<p>\u09af\u09a6\u09bf \u20b93 \u09b2\u0995\u09cd\u09b7\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09ac\u09c7\u09a6\u09a8 \u0995\u09b0\u09c7 \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a4 \u09b9\u09a8, \u09a4\u09be\u09b9\u09b2\u09c7 \u20b91\u20131.5 \u09b2\u0995\u09cd\u09b7\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u099a\u09c7\u09b7\u09cd\u099f\u09be \u0995\u09b0\u09c1\u09a8\u0964<\/p>\n<h2>\u09ec. DSA \/ \u09b2\u09cb\u09a8 \u09ae\u09be\u09b0\u09cd\u0995\u09c7\u099f\u09aa\u09cd\u09b2\u09c7\u09b8 \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09c1\u09a8<\/h2>\n<p>\u098f\u0995\u099f\u09bf \u09ad\u09be\u09b2\u09cb \u09b2\u09cb\u09a8 DSA \u09aa\u09cd\u09b0\u09a5\u09ae\u09c7 soft eligibility check \u0995\u09b0\u09c7 \u2014 CIBIL \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09bf\u09a4 \u09b9\u09af\u09bc \u09a8\u09be\u0964 \u09a4\u09be\u09b0\u09aa\u09b0 10\u201315 NBFC-\u09a4\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09aa\u09cd\u09b0\u09cb\u09ab\u09be\u0987\u09b2 \u09ae\u09bf\u09b2\u09bf\u09af\u09bc\u09c7 \u09b8\u09ac\u099a\u09c7\u09af\u09bc\u09c7 \u09b8\u09a0\u09bf\u0995 \u09ac\u09bf\u0995\u09b2\u09cd\u09aa \u09a6\u09c7\u0996\u09be\u09af\u09bc\u0964<\/p>\n<h2>\u09ed. \u09e9\u09e6\u2013\u09ea\u09eb \u09a6\u09bf\u09a8 \u0985\u09aa\u09c7\u0995\u09cd\u09b7\u09be \u0995\u09b0\u09c1\u09a8<\/h2>\n<p>\u09af\u09a6\u09bf CIBIL \u09b8\u09ae\u09cd\u09aa\u09cd\u09b0\u09a4\u09bf \u098f\u0995\u09be\u09a7\u09bf\u0995 inquiry-\u09a4\u09c7 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09bf\u09a4 \u09b9\u09af\u09bc\u09c7 \u09a5\u09be\u0995\u09c7, \u09e9\u09e6\u2013\u09ea\u09eb \u09a6\u09bf\u09a8 \u0985\u09aa\u09c7\u0995\u09cd\u09b7\u09be \u0995\u09b0\u09c1\u09a8\u0964 \u098f\u0987 \u09b8\u09ae\u09af\u09bc\u09c7 \u09ac\u09bf\u09a6\u09cd\u09af\u09ae\u09be\u09a8 EMI \u09b8\u09ae\u09af\u09bc\u09ae\u09a4\u09cb \u09a6\u09bf\u09a8 \u098f\u09ac\u0982 \u0995\u09cd\u09b0\u09c7\u09a1\u09bf\u099f \u0995\u09be\u09b0\u09cd\u09a1\u09c7\u09b0 \u09ac\u09cd\u09af\u09be\u09b2\u09c7\u09a8\u09cd\u09b8 \u0995\u09ae\u09be\u09a8\u0964<\/p>\n<hr\/>\n<p style=\"background:#f0f7ff;border-left:4px solid #1a73e8;padding:16px 20px;border-radius:4px;\">\n<strong>\u098f\u0996\u09a8\u0987 \u0986\u09aa\u09a8\u09be\u09b0 \u09af\u09cb\u0997\u09cd\u09af\u09a4\u09be \u09af\u09be\u099a\u09be\u0987 \u0995\u09b0\u09c1\u09a8 \u2014 CIBIL \u09b8\u09cd\u0995\u09cb\u09b0\u09c7 \u0995\u09cb\u09a8\u09cb \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u09aa\u09a1\u09bc\u09ac\u09c7 \u09a8\u09be\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-\u098f GetExpressLoans-\u098f\u09b0 \u09b8\u09be\u09a5\u09c7 \u0995\u09a5\u09be \u09ac\u09b2\u09c1\u09a8 \u2014 \u09e8 \u09ae\u09bf\u09a8\u09bf\u099f\u09c7\u0987 \u099c\u09ac\u09be\u09ac \u09aa\u09be\u09ac\u09c7\u09a8\u0964<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u09ac\u09cd\u09af\u09be\u0982\u0995 \u098b\u09a3 \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8 \u0995\u09b0\u09c7\u099b\u09c7? \u09b9\u09a4\u09be\u09b6 \u09b9\u09ac\u09c7\u09a8 \u09a8\u09be\u0964 CIBIL \u09b8\u09cd\u0995\u09cb\u09b0 \u0995\u09cd\u09b7\u09a4\u09bf \u09a8\u09be \u0995\u09b0\u09c7 \u09b8\u09a0\u09bf\u0995 NBFC \u09aa\u09be\u0993\u09af\u09bc\u09be\u09b0 \u09ed\u099f\u09bf \u09aa\u09a6\u0995\u09cd\u09b7\u09c7\u09aa\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-442","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\/442","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=442"}],"version-history":[{"count":1,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/442\/revisions"}],"predecessor-version":[{"id":585,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/posts\/442\/revisions\/585"}],"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=442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/categories?post=442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/tags?post=442"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/getexpressloans.com\/blog\/wp-json\/wp\/v2\/ppma_author?post=442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}