Kharab CIBIL Score Par Business Loan Kaise Le 2026? Jane Low CIBIL Score Loan Ke 5 Asaan Tarike Aur Sarkari Yojna
Agar aapka CIBIL score (Credit Score) 600 ya 650 se kam ho gaya hai aur aapko apne karobaar ya dukan ke liye paise ki zaroorat hai, toh aksar private banks loan aavedan turant reject kar dete hain. Lekin kharab ya low CIBIL score hone ka matlab yeh bilkul nahi hai ki aapko loan nahi mil sakta.
Is guide me hum jaanenge ki bina kisi dalal ke aap kam ya kharab credit score par bhi business loan kaise prapt kar sakte hain aur kaun si sarkari yojnaayein isme aapki madad karti hain.
CIBIL Score Kharab Kyun Hota Hai?
Kharab credit score theek karne se pehle ye samajhna zaroori hai ki score kam kyun hua:
- Purani kisi personal loan ya credit card ki EMI late bharna.
- Baar-baar alag-alag banks me loan ke liye aavedan (Multiple Hard Inquiries) karna.
- Purane kisi loan par settlement karna.
Lekin naye vyapari ya chhote karobaari jinka score pehli baar ban raha hai (NH / -1), unhe bilkul ghabrane ki zaroorat nahi hoti.
Kharab CIBIL Par Loan Lene Ke 5 Sabse Asaan Tarike
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Tarika |
Kaise Kaam Karta Hai? |
Kahan Se Milega? |
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₹50,000 tak bina kisi property ya CIBIL checking ke |
Sarkari Bank / JanSamarth Portal |
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High CIBIL ki jagah daily UPI turnover aur bank cashflow dekhte hain |
Lendingkart, FlexiLoans, Faircent |
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3. Co-Applicant (Joint Loan) |
Parivar ke kisi vyakti ko sath jodna jinka CIBIL aur income achhi ho |
Kisi bhi bank branch me |
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Sone ke gahno ya Fixed Deposit ke badle turant loan (Zero CIBIL checking) |
Muthoot, Manappuram, SBI Gold Loan |
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Rehari, thela aur street vendors ke liye bina CIBIL collateral-free loan |
pmsvanidhi.mohua.gov.in |
1. Sarkari Yojnaon Ka Sahara Le (PMMY & PM SVANidhi)
Sarkari yojnaayein jaise PM Mudra Yojana (Shishu Category - ₹50,000) aur PM SVANidhi me sarkar ka mukhya dhyan karobaar shuru karwane par hota hai, na ki reader ke purane corporate credit record par. Agar aap purane kisi bank loan me wilful defaulter nahi hain, toh bank manager aapke business model aur aavedan ko dekh kar loan sanction kar sakta hai.
2. Digital Bank Statement & UPI Turnover Dikhayein
Aaj kal bohot si NBFC (Non-Banking Financial Companies) credit score se zyada aapke vyapar ke Cashflow par vishwas karti hain.
- Agar aapki dukan par PhonePe, Google Pay ya Paytm QR code laga hai aur mahine ka ₹30,000 se ₹1,00,000 ka transactions aata hai, toh aap direct bank statement dikha kar Working Capital Loan le sakte hain.
3. Secured Loan Ya Co-Applicant Ka Rasta
- Gold Loan: Yeh sabse tezi se milne wala rasta hai. Isme aapke sone ke aabhushan girvi rehte hain, isliye bank ya finance company CIBIL score bilkul check nahi karti aur byaj dar bhi 8.5% se shuru ho jata hai.
- FD Ke Badle Loan: Agar aapke ya ghar ke kisi sadasya ke paas bank me FD hai, toh uspar 90% tak loan 1 ghante ke andar mil jata hai.
- Chhota Secured Credit Card lein: Bank me ₹10,000 ki FD banwakar uspar Credit Card lein aur har mahine bill time par bharein.
- Koi bhi EMI miss na karein: Ek bhi EMI bounce na hone dein.
- Credit Utilization Kam Rakhein: Apni limit ka sirf 30% hissa hi kharch karein.
ЁЯТб EMI Aur Munafa Salah:
Jab bhi kam CIBIL score par loan lein, pehle apni monthly repayment capacity zaroor naap lein taaki dobara default na ho. Apni loan EMI aur monthly hisab check karne ke liye hamare Business Loan EMI Calculator ka upyog karein. (https://allbharatportal.blogspot.com/p/free-finance-tools-hub.html)
CIBIL Score Ko 3 Se 6 Mahine Me Dobara Kaise Sudharein?
Aam Sawal-Jawab (Low CIBIL FAQs)
Q1. Kya 500 CIBIL score par koi sarkari loan mil sakta hai?
Haan, PM SVANidhi aur Mudra Shishu loan me agar aap bank ke defaulter nahi hain aur aapka vending/business genuine hai, toh loan milne ke pure chances rehte hain.
Q2. Kya loan reject hone par baar-baar alag-alag bank me apply karna chahiye?
Nahi. Har baar aavedan reject hone par CIBIL score aur 10-15 points neeche gir jata hai. Kam se kam 3 mahine ka gap rakhein.
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