CIBIL Score par RBI ke naye rules 2026 – Low CIBIL Score walon par kya effect padega 

Agar aap loan lene ka plan bana rahe ho ya credit card use karte ho, to ye update aapke liye bahut important hai. RBI (Reserve Bank of India) ne 28 November 2025 ko kuch naye rules introduce kiye the, jo 1 July 2026 se fully apply hone wale hain.

Ye rules mainly CICs (Credit Information Companies) aur NBFCs (Non-Banking Financial Companies) ke liye banaye gaye hain, lekin iska direct impact hum jaise normal logon par bhi padega.

Chaliye ise simple language me samajhte hain 👇

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“Bahut se log CIBIL ko ek score samajhte hain, lekin asal me CIBIL koi score nahi balki ek company ka naam hai, jo aapki credit history ke aadhar par score generate karti hai.".    

       

CIBIL score ko samajhne se pehle yeh samajhna bahut zaruri hai ki CICs kya hote hain.

CICs ka full form hota hai Credit Information Company. Simple language me samjhein to inhe credit bureau bhi kaha jata hai. Yeh companies RBI se licensed hoti hain aur inka kaam hota hai aapke loan aur credit card se judi hui saari financial information ko collect karna.

Isi data ke basis par aapki ek report banti hai jise CIR (Credit Information Report) kaha jata hai. Isi report ko dekh kar bank decide karta hai ki aapko loan dena safe hai ya nahi.

"Bank cibil ko aapka record deta hai aur jab doosra bank aapko loan dena chahta hai to cibil se poochta hai"

Aaj ke time par India me total 4 CICs companies kaam kar rahi hain:

1. CIBIL
2. Experian
3. Equifax
4. CRIF

In sabhi companies ke apne-apne full forms hote hain, lekin aam taur par log inhe short name se hi jante hain.

In sab me se CIBIL sabse jyada popular aur trusted company mani jati hai, aur maximum banks isi ka data use karte hain jab wo kisi ko loan approve karte hain.                                                                                             RBI ke New Rules Update (2026)

1. Jab bhi koi bank ya NBFC aapki credit report check karta hai, to CIC aapko SMS ya email alert bhejega.

2. Agar aapki credit report mein galti hai aur 30 din ke andar theek nahi hoti, to aapko ₹100 per day ke hisaab se compensation milega. Ye compensation bank, NBFC ya CIC deta hai (RBI direct nahi deta).

3. Sabhi CICs ka credit score range ab 300 se 900 ke beech hota hai, jisse compare karna aasaan hota hai.

4. Banks aur NBFCs ko har 15 din mein aapka credit data update karna zaroori hai.

5. Saal mein ek baar aap free mein apni poori credit report (score ke saath) le sakte hain. CICs ko ye link apne homepage par dikhana zaroori hota hai.

NBFC (Non-Banking Financial Company)

NBFC ek aisi company hoti hai jo bank ki tarah financial services provide karti hai, lekin ye bank nahi hoti.

NBFC mein aap saving account nahi khol sakte, lekin ye loan, finance aur investment jaise kaam karti hain.

In companies par RBI (Reserve Bank of India) ka control hota hai, isliye ye regulated hoti hain.

Example: Bajaj Finance, Muthoot Finance, etc.

Low CIBIL Score walon ke liye kya karein?

1. Hamesha apni EMI aur credit card bill time par pay karein.
2. Credit card ka use apni limit ke 30%–40% tak hi rakhein.
3. Ek saath bahut zyada loan ya credit card ke liye apply na karein.

4. Saal me kam se kam ek baar apni credit report check karein.
5. Chhote-mote pending loans ko jaldi clear karein.
6. Zarurat pade to secured credit card (FD ke against) use karein.
7. Apna credit mix balance rakhein (secured aur unsecured loans).

Disclaimer

Is article ki jankari sirf educational purpose ke liye hai, yeh financial ya legal advice nahi hai.

“Yeh article sirf general information ke liye hai. RBI ke official rules aur bank policies time ke saath change ho sakti hain.”

Kisi bhi financial decision se pehle official sources ya expert se salah zaroor lein. Author kisi bhi nuksaan ke liye zimmedar nahi hoga.

🙏 Agar aapko meri di hui jankari achchi lagi ho, to is article ko zarur share karein. 😊

🙏 Mere blog par aane ke liye aapka dil se dhanyavaad ♥️😇🙏

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