CIBIL Score 599: Kya Is Score Par Loan Milega? Aur Kaise Sudhaarein?
CIBIL Score 599: Kya Is Score Par Loan Milega? Aur Kaise Sudhaarein?
Agar aapne abhi-abhi apna credit score check kiya hai aur woh 599 aa raha hai, toh tension hona normal hai. Aaj ke financial era mein credit score kaafi important ho chuka hai—loan approval se lekar credit card limit tak, sab kuch isi par depend karta hai.
Aayiye samajhte hain ki 599 CIBIL score ka asli matlab kya hai, is score ke karan kya problems aati hain, aur isse 750+ tak kaise improve kiya ja सकता है.
599 CIBIL Score Ka Matlab (Is 599 a Good Score?)
Seedhi baat — Nahi, 599 ek achha score nahi hota. Banking standards ke hisaab se:
- 750 – 900: Excellent
- 650 – 749: Average / Fair
- 550 – 649: Poor
- Below 550: Very Poor
599 score “Poor Category” mein aata hai. Iska matlab hai ki banks aapko “Risky Borrower” maante hain.
Yani bank ko lagta hai ki aapke default karne ka chance zyada hai—isi liye applications ya toh reject hoti hain ya high interest par approve hoti hain.
599 Score Hone se Kya Nuksan Hotey Hain?
Agar aapka CIBIL score 599 hai, toh aapko ye challenges face karne pad sakte hain:
✔ 1. Loan Rejection
Zyadatar banks (SBI, HDFC, ICICI, Axis) 600 se kam score par loan approve nahi karte.
✔ 2. High Interest Rate
Agar koi NBFC loan de bhi de, toh interest 18–24% tak ho sakta hai—jo kaafi mehenga padta hai.
✔ 3. Credit Card Approval Issue
Premium credit cards toh nahi milte, basic cards bhi reject ho sakte hain.
✔ 4. Low Credit Limit
Agar card mil bhi gaya, toh limit bahut kam hoti hai—₹10,000 to ₹20,000 tak.
599 Score Kyun Girta Hai? (Common Reasons)
599 score ke girne ke kuch major reasons ye ho sakte hain:
- EMI ya Credit Card Bill late bharna
- Credit limit ka high usage (30% se zyada)
- Ek saath multiple loan applications
- Galtiyan CIBIL report mein (wrong information)
- Loan settlement ya write-off
Agar aapne inme se koi galti ki hai, toh score down hona normal hai.
599 se 750 Tak Kaise Pahunche? (Proven Improvement Tips)
Good news — 599 score fix ho sakta hai!
Yeh 5 steps follow karein, aur 3–6 months mein noticeable improvement milega:
1. EMI & Bills Time Par Bharein
Payment history credit score ka 35% hota hai.
Ek bhi EMI late hui toh score aur girega, isliye reminders lagayein.
2. Credit Utilization 30% Se Neeche Rakhein
Agar limit ₹1,00,000 hai, toh ₹30,000 se zyada spend na karein.
3. Purane Credit Cards Band Mat Karein
Old accounts credit history strong banate hain.
4. Secured Credit Card Le Kar Score Improve Karein
FD ke badle milne wale cards best hote hain:
- IDFC WOW Card
- OneCard FD
- Axis Bank Insta Easy
In cards ka sahi use score ko turbo boost deta hai.
5. CIBIL Report Check Karein
Agar koi error dikhe, toh CIBIL par dispute raise karein.
Many times score isi wajah se low dikhta hai.
Kya 599 Score Par Loan Mil Sakta Hai?
✔ Haan, mil sakta hai, lekin:
- Interest high hoga
- Amount kam ho sakta hai
- Sirf NBFC ya chhote lenders de sakte hain
Better yehi hota hai ki pehle score thoda improve karein, fir loan apply karein—warna hard inquiries score aur gira deti hain.
Conclusion
599 CIBIL score ek wake-up call hai—lekin tension lene ki zarurat nahi.
Sahi financial discipline, controlled spending, aur time-to-time payments ke saath, aap 6–8 months mein apna score easily 750+ tak le ja sakte hain.
Aaj hi apni report check karein, galtiyan identify karein, aur improvement plan shuru karein.
