Civil Score Kya Hota Hai? Kaise Check Kare Aur Kaise Improve Kare (2025)

Civil Score Kya Hota Hai?

Civil Score ek financial score hota hai jo aapki loan aur credit card history ke base par banta hai. Bank aur finance companies isi score ko dekhkar decide karti hain ki aapko loan milega ya nahi, aur interest rate kitna hoga.

Agar aap Personal Loan, Business Loan, Home Loan ya Government Subsidy Loan lena chahte ho, to Civil Score ka achha hona bahut zaroori hai.

Civil Score Range Samjhiye

Civil Score aam taur par 300 se 900 ke beech hota hai:

  • 750 – 900 → Excellent (Loan easily approve)
  • 650 – 749 → Average (Thoda risk)
  • Below 650 → Poor (Loan reject hone ke chances)

👉 750+ score wale logon ko low interest rate par loan mil jata hai.

Civil Score Kaise Check Kare (Free Me)

Aap apna Civil Score bilkul free me online check kar sakte ho:

  1. Paisabazaar
  2. Wishfin
  3. BankBazaar
  4. CIBIL ki official website

PAN Card + Mobile Number se sirf 2 minute me score check ho jata hai.

Civil Score Kam Hone Ke Karan

Civil Score kharab hone ke main reasons:

  • EMI ya credit card payment late hona
  • Credit card limit ka zyada use
  • Bar-bar loan enquiry karna
  • Loan settlement ya write-off
  • Minimum due bhi time par pay na karna

Ye sab cheeze bank ke record me negative impact dalti hain.

Civil Score Improve Kaise Kare

Agar aapka Civil Score low hai to ghabrane ki zarurat nahi:

✔ EMI hamesha time par pay kare
✔ Credit card usage 30% se kam rakhe
✔ Ek sath multiple loan apply na kare
✔ Purane pending dues clear kare
✔ FD ke against secured loan le sakte hain

👉 3–6 mahine me score improve dikhne lagta hai.

Civil Score Aur Loan Approval Ka Relation

  • High Civil Score → Fast approval + Low interest
  • Low Civil Score → High interest ya rejection

Isliye loan lene se pehle Civil Score check karna smart decision hota hai.

Government Loan & Subsidy Me Civil Score

Government schemes jaise PMEGP, CM Yuva Yojana, Mudra Loan me bhi Civil Score important role play karta hai. Achha score hone par file fast move hoti hai.

Conclusion

Civil Score aapki financial health ka report card hota hai. Agar aap future me loan ya subsidy ka fayda uthana chahte ho, to apna score strong rakhiye aur galtiyon se bachiye.

Disclaimer

Ye article sirf information purpose ke liye hai. Final loan approval bank ya financial institution ki policy par