{"id":2270,"date":"2022-10-17T09:40:27","date_gmt":"2022-10-17T09:40:27","guid":{"rendered":"http://tvswp.ap-south-1.elasticbeanstalk.com/?p=2270"},"modified":"2025-08-20T12:04:59","modified_gmt":"2025-08-20T12:04:59","slug":"how-cibil-score-plays-a-vital-role-in-taking-business-loans","status":"publish","type":"post","link":"https://www.tvscredit.com/blog/business-loans/how-cibil-score-plays-a-vital-role-in-taking-business-loans/","title":{"rendered":"बिज़नेस लोन लेने में सिबिल स्कोर की भूमिका कैसे महत्वपूर्ण है"},"content":{"rendered":"\u003cstyle\u003e.head_h3{    display: inline;    font-weight: bold;    color: #444;    font-size: 1.5rem;    line-height: inherit;    margin: 0;}.h3_cont{    padding-bottom: 2rem;}.h3_cont p{    display: inline;}\u003c/style\u003e\u003cp data-en=\u0027CIBIL or Credit Information Bureau (India) Limited score is a three digit summary of a borrower’s credit history, rating and report, and thus is an indication of any borrower’s credibility as well as their ability to repay business loans. Ranging from 300 to 900, this score is built over time and as borrowers take out business loans or any kind of credit for various purposes from lenders such as banks and financial institutions. Typically, the closer to 900 the score is, the better the rating will be.\u0027 Localize=\u0027true\u0027\u003eसिबिल यानी क्रेडिट इन्फॉर्मेशन ब्यूरो (इंडिया) लिमिटेड स्कोर, उधारकर्ता के क्रेडिट संबंधी पिछली जानकारी, रेटिंग और रिपोर्ट का तीन अंकों वाला सारांश होता है, जो उधारकर्ता की विश्वसनीयता और बिज़नेस लोन चुका पाने की उनकी क्षमता का संकेत होता है। जब कोई उधारकर्ता, बैंक और फाइनेंशियल संस्थानों जैसे लेंडर से विभिन्न उद्देश्यों के लिए बिज़नेस लोन या किसी भी प्रकार का क्रेडिट लेते हैं, तो समय के साथ उसका यह स्कोर बढ़ता जाता है, जो 300 से 900 तक होता है। आमतौर पर, स्कोर 900 के जितना करीब होगा, रेटिंग उतनी ही बेहतर होगी.\u003c/p\u003e\u003ch2 data-en=\u0027How is CIBIL score calculated?\u0027 Localize=\u0027true\u0027\u003eHow is CIBIL score calculated?\u003c/h2\u003e\u003cp data-en=\u0027There are few factors that contribute towards the assessment of the CIBIL score, including:\u0027 Localize=\u0027true\u0027\u003eसिबिल स्कोर के मूल्यांकन में कई चीज़ें भूमिका निभाती हैं, जैसे:\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Credit repayment history\u0027 Localize=\u0027true\u0027\u003eक्रेडिट पुनर्भुगतान विवरण\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 – This makes up 35% of the credit history and thus, crucial when availing any small business loan.\u0027 Localize=\u0027true\u0027\u003e – क्रेडिट हिस्ट्री में इसका 35% हिस्सा होता है और इसलिए कोई भी छोटा बिज़नेस लोन लेते समय भी यह महत्वपूर्ण होता है.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Type of credit taken and repayment duration\u0027 Localize=\u0027true\u0027\u003eलिए गए क्रेडिट का प्रकार और पुनर्भुगतान अवधि\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 – These contribute 10% and 15% respectively, to your credit score. It is advised that a balance of credit (in other words, a combination of secured and unsecured loans) is shown to create a positive impact. Also, the duration of repayment evaluates the timely repayment as had been agreed with the lender.\u0027 Localize=\u0027true\u0027\u003e – ये आपके क्रेडिट स्कोर में क्रमशः, 10% और 15% का योगदान देते हैं।. यह सलाह दी जाती है कि पॉज़िटिव प्रभाव बनाने के लिए बैलेंस ऑफ क्रेडिट (यानी, सिक्योर्ड और अनसिक्योर्ड लोन का संयोजन) दिखाया जाए. साथ ही, पुनर्भुगतान की अवधि से उस समयबद्ध पुनर्भुगतान का मूल्यांकन होता है जिस पर उधारकर्ता ने लेंडर को सहमति दी थी.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Frequency of credit enquiries\u0027 Localize=\u0027true\u0027\u003eबार-बार क्रेडिट संबंधी जांच करना\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 – Credit enquiries are also reflected in the CIBIL score. Multiple enquires and especially unsuccessful ones can negatively impact your credit score as they imply that the creditor does not find you financially capable of repaying a loan.\u0027 Localize=\u0027true\u0027\u003e – क्रेडिट के लिए की गई जांचें भी सिबिल स्कोर को प्रभावित करती हैं।. बारंबार जांच, और विशेष रूप से वे जो असफल हुई हों, आपके क्रेडिट स्कोर पर निगेटिव प्रभाव डाल सकती हैं क्योंकि उनका यह मतलब होता है कि लेंडर ने आपको लोन के पुनर्भुगतान में फाइनेंशियल रूप से सक्षम नहीं पाया.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Existing debt and credit utilisation\u0027 Localize=\u0027true\u0027\u003eमौजूदा लोन और क्रेडिट का उपयोग\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 – This segment makes up 30% of the credit score. It assesses how much has been credited to you and how much of that loaned amount has been utilised. It must be noted that overcharging your monthly credit limit can negatively impact your CIBIL score.\u0027 Localize=\u0027true\u0027\u003e – क्रेडिट स्कोर के निर्माण में इस सेगमेंट का 30% योगदान होता है।. यह इस बात का मूल्यांकन करता है कि आपको कितना क्रेडिट मिल चुका है और उस लोन राशि के कितने हिस्से का उपयोग किया जा चुका है. ध्यान रखें कि अपनी मासिक क्रेडिट लिमिट से आगे निकलने पर आपके CIBIL स्कोर पर निगेटिव प्रभाव पड़ सकता है.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003ch2 data-en=\u0027What does CIBIL score 1 mean?\u0027 Localize=\u0027true\u0027\u003eWhat does CIBIL score 1 mean?\u003c/h2\u003e\u003cp data-en=\u0027It means that there is no relevant information to report about the borrower’s credit history. It must be noted that credit score 1 can negatively impact the application for an online business loan.\u0027 Localize=\u0027true\u0027\u003eइसका यह मतलब है कि उधारकर्ता के क्रेडिट इतिहास के बारे में कोई जानकारी नहीं है। ध्यान रखें कि 1 का क्रेडिट स्कोर ऑनलाइन बिज़नेस लोन के एप्लीकेशन पर नेगेटिव रूप से प्रभाव डालता है.\u003c/p\u003e\u003ch2 data-en=\u0027How does CIBIL score contribute towards taking out business loans?\u0027 Localize=\u0027true\u0027\u003eHow does CIBIL score contribute towards taking out business loans?\u003c/h2\u003e\u003cp data-en=\u0027CIBIL maintains credit information of more than 600 million individuals and 32 million businesses and therefore plays a vital loan in the loan application process.\u0027 Localize=\u0027true\u0027\u003eसिबिल, 600 मिलियन से अधिक लोगों और 32 मिलियन से अधिक बिज़नेस की क्रेडिट जानकारी बनाए रखता है और इसलिए वह लोन एप्लीकेशन प्रोसेस में महत्वपूर्ण भूमिका निभाता है.\u003c/p\u003e\u003cp data-en=\u0027When a potential borrower approaches a bank or a financial institution for small business loans, the lender will review their CIBIL score for credit-worthiness. If the score is low, the bank may not process the application further. But if the score is high, they might consider the application and review other details such as the requested amount, potential business loan interest rate, etc. before making the decision about sanctioning it.\u0027 Localize=\u0027true\u0027\u003eजब किसी संभावित उधारकर्ता द्वारा छोटे बिज़नेस लोन के लिए किसी बैंक या फाइनेंशियल संस्थान से संपर्क किया जाता है, तो लेंडर उनकी क्रेडिट-योग्यता जानने के लिए उनके सिबिल स्कोर को देखता है। अगर स्कोर कम है, तो संभव है कि बैंक एप्लीकेशन को आगे प्रोसेस न करे। लेकिन अगर स्कोर अधिक है, तो संभव है कि वह एप्लीकेशन पर विचार करे, और उसे मंज़ूर करने से पहले मांगी गई राशि, संभावित बिज़नेस लोन की ब्याज दर आदि अन्य विवरण पर गौर करे.\u003c/p\u003e\u003cp data-en=\u0027Keeping a good and healthy CIBIL score is important and it can be achieved by practicing financial prudence: timely payment of credit card bills and EMIs, no defaulting on debt, etc.\u0027 Localize=\u0027true\u0027\u003eअच्छा और बेहतर सिबिल स्कोर बनाए रखना महत्वपूर्ण है, और इसे फाइनेंशियल समझदारी से हासिल किया जा सकता है: यानी क्रेडिट कार्ड बिल और ईएमआई का समय पर भुगतान करें, लोन चुकाने में कोई चूक न करें, आदि.\u003c/p\u003e","protected":false},"excerpt":{"rendered":"\u003cp data-en=\u0027CIBIL or Credit Information Bureau (India) Limited score is a three digit summary of a borrower’s credit history, rating and report, and thus is an indication of any borrower’s credibility as well as their ability to repay business loans. Ranging from 300 to 900, this score is built over time and as borrowers take out [\u0026hellip;]\u0027 Localize=\u0027true\u0027\u003eCIBIL यानी क्रेडिट इन्फॉर्मेशन ब्यूरो (इंडिया) लिमिटेड स्कोर उधारकर्ता के क्रेडिट इतिहास, रेटिंग और रिपोर्ट का तीन अंकों वाला सारांश होता है, जो उधारकर्ता की विश्वसनीयता और बिज़नेस लोन चुका पाने की उसकी क्षमता का संकेत होता है. समय के साथ 300 से 900 तक का स्कोर बनता है, जब उधारकर्ताओं [...]\u003c/p\u003e","protected":false},"author":12,"featured_media":9997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"स्टैंडर्ड","meta":{"_acf_changed":false,"footnotes":""},"categories":[50],"tags":[],"class_list":["post-2270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans"],"acf":[],"yoast_head":"\u003c!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https://yoast.com/wordpress/plugins/seo/ --\u003e\u003ctitle data-en=\u0027The Importance of CIBIL Score in Securing Business Loans| TVS Credit\u0027 Localize=\u0027true\u0027\u003eबिज़नेस लोन मिलने में सिबिल स्कोर का महत्व | टीवीएस क्रेडिट\u003c/title\u003e\u003cmeta name=\u0022description\u0022 content=\u0022टीवीएस क्रेडिट के साथ जानें बिज़नेस लोन अप्रूवल के लिए अच्छे सिबिल स्कोर का महत्व। जानें कि आपका सिबिल स्कोर बिज़नेस लोन पाने की आपकी योग्यता को कैसे प्रभावित कर सकता है.\u0022 /\u003e\u003cmeta name=\u0022robots\u0022 content=\u0022index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\u0022 /\u003e\u003clink rel=\u0022canonical\u0022 href=\u0022https://www.tvscredit.com/hindi/blog/business-loans/how-cibil-score-plays-a-vital-role-in-taking-business-loans/\u0022 /\u003e\u003cmeta property=\u0022og:locale\u0022 content=\u0022hi_IN\u0022 /\u003e\u003cmeta property=\u0022og:type\u0022 content=\u0022article\u0022 /\u003e\u003cmeta property=\u0022og:title\u0022 content=\u0022बिज़नेस लोन मिलने में सिबिल स्कोर का महत्व | टीवीएस क्रेडिट\u0022 /\u003e\u003cmeta property=\u0022og:description\u0022 content=\u0022टीवीएस क्रेडिट के साथ जानें बिज़नेस लोन अप्रूवल के लिए अच्छे सिबिल स्कोर का महत्व। जानें कि आपका सिबिल स्कोर बिज़नेस लोन पाने की आपकी योग्यता को कैसे प्रभावित कर सकता है.\u0022 /\u003e\u003cmeta property=\u0022og:url\u0022 content=\u0022https://www.tvscredit.com/hindi/blog/business-loans/how-cibil-score-plays-a-vital-role-in-taking-business-loans/\u0022 /\u003e\u003cmeta property=\u0022og:site_name\u0022 content=\u0022TVS Credit\u0022 /\u003e\u003cmeta property=\u0022article:published_time\u0022 content=\u00222022-10-17T09:40:27+00:00\u0022 /\u003e\u003cmeta property=\u0022article:modified_time\u0022 content=\u00222025-08-20T12:04:59+00:00\u0022 /\u003e\u003cmeta property=\u0022og:image\u0022 content=\u0022https://www.tvscredit.com/wp-content/uploads/2023/08/et9a6153-1.webp\u0022 /\u003e\u003cmeta property=\u0022og:image:width\u0022 content=\u0022760\u0022 /\u003e\u003cmeta property=\u0022og:image:height\u0022 content=\u0022450\u0022 /\u003e\u003cmeta property=\u0022og:image:type\u0022 content=\u0022image/webp\u0022 /\u003e\u003cmeta name=\u0022author\u0022 content=\u0022Niranjan Mohan\u0022 /\u003e\u003cmeta name=\u0022twitter:card\u0022 content=\u0022summary_large_image\u0022 /\u003e\u003cmeta name=\u0022twitter:label1\u0022 content=\u0022Written by\u0022 /\u003e\u003cmeta name=\u0022twitter:data1\u0022 content=\u0022Niranjan Mohan\u0022 /\u003e\u003cmeta name=\u0022twitter:label2\u0022 content=\u0022Est. reading time\u0022 /\u003e\u003cmeta name=\u0022twitter:data2\u0022 content=\u00223 minutes\u0022 /\u003e\u003cscript type=\u0022application/ld+json\u0022 class=\u0022yoast-schema-graph\u0022\u003e{\u0022@context\u0022:\u0022https://schema.org\u0022,\u0022@graph\u0022:[{\u0022@type\u0022:\u0022Article\u0022,\u0022@id\u0022:\u0022https://www.tvscredit.com/blog/business-loans/how-cibil-score-plays-a-vital-role-in-taking-business-loans/#article\u0022,\u0022isPartOf\u0022:{\u0022@id\u0022:\u0022https://www.tvscredit.com/blog/business-loans/how-cibil-score-plays-a-vital-role-in-taking-business-loans/\u0022},\u0022author\u0022:{\u0022name\u0022:\u0022निरंजन मोहन\u0022,\u0022@id\u0022:\u0022https://www.tvscredit.com/#/schema/person/e1b3f78697c19d6a932fa3544e898d0a\u0022},\u0022headline\u0022:\u0022How CIBIL score plays a vital role in taking business 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