अलग-अलग होता है Cibil और Credit स्कोर, अंतर पता है?

26 May 2025 Image Credit: Canva

[{"selector":"#anim-a99a92e4-e110-42ef-b4e2-e64f903784b8 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-4e6f157f-a2c3-4f8e-9244-4d9de5a48531","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd5db6ca-a200-4fbc-a326-efef922718d7","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1ae02e02-cf89-44b4-a9fb-9a5c3a423bff","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d63ac2e-0341-4798-9a29-16b7cc539b4a","keyframes":{"transform":["rotate(-360deg) translate3d(118.42105%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a11b8dcd-3a9d-4ec2-806a-f0a67d5bd66d","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-9df2b82e-ca70-4236-b7b6-9e7619e4b1fd","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] ज्यादातर लोगों को सिबिल और क्रेडिट स्कोर एक ही लगता है। हालांकि इसमें एक छोटा अंतर होता है जिसके बारे में आपको पता होना चाहिए। White Frame Corner Image Credit: Canva

क्या होता है सिबिल स्कोर?

[{"selector":"#anim-b15dd700-5a45-4f18-95e8-b9fc62ee3147 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-3831a78e-4e50-458e-80ee-e5ab3849900d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ef46aa78-e7eb-437a-8296-7b10c53d5c8e","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-77e13b67-715f-4f84-91dc-7492345d9a7a","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9b6e2729-851c-42bf-b2b7-da6de5cc7589","keyframes":{"transform":["rotate(-360deg) translate3d(118.42105%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9c9f254a-e460-4ec5-ac87-39e9e07d0758","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-1f4fd1ff-8134-4a86-a50f-80efd658035c","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] CIBIL का मतलब है क्रेडिट इंफॉर्मेशन ब्यूरो (इंडिया) लिमिटेड। CIBIL भारत के चार प्रमुख क्रेडिट ब्यूरो में से एक है जो प्रमुख बैंकों, हाउसिंग फाइनेंस कंपनियों और NBFC से जुड़ा हुआ है। White Frame Corner Image Credit: Canva

क्या होता है क्रेडिट स्कोर?

[{"selector":"#anim-cad0c37c-c481-4593-a377-c149aa78a34a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-3048ed7b-8c1e-4900-b743-8dea8d22c9f7","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f44daea5-a1e8-4666-9af8-21bf2793c975","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-540d457a-31a7-42f4-b44f-a270443d8b28","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3adb2f56-92ec-4365-a331-3e759697394a","keyframes":{"transform":["rotate(-360deg) translate3d(118.42105%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eb7f214b-de6c-4ac0-b7d5-2cf86993de34","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-aa766b38-9465-434f-b626-e67bec568ea2","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] भारत में क्रेडिट स्कोर 3 नंबर का आंकड़ा होता है जो आपके क्रेडिट इतिहास को दर्शाता है। यह आम तौर पर 300 से 900 की सीमा में होता है। White Frame Corner Image Credit: Canva

सिबिल और क्रेडिट स्कोर में बस एक अंतर?

[{"selector":"#anim-19a4841b-c8d2-4839-b925-5151cc8c9e2a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-19e37bc8-e136-4e85-9891-695c3fd42a47","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3ce3278b-50e2-408b-8ad9-3f2e4cd19042","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-59efdc68-8302-458a-8b5a-335bd5ab69c9","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-74ed4cf9-95e2-4ebd-bee7-a42244222ecd","keyframes":{"transform":["rotate(-360deg) translate3d(118.42105%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-19f9e44e-d407-4a9a-9c29-e5f7e641c698","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-da00b650-afdb-4dcd-9494-30dbf7ee7e9b","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] सिबिल और क्रेडिट स्कोर के बीच एकमात्र अंतर यह है कि क्रेडिट स्कोर भारत में चार क्रेडिट ब्यूरो में से किसी द्वारा प्रदान किया जा सकता है, जबकि CIBIL स्कोर केवल ट्रांसयूनियन CIBIL द्वारा प्रदान किया जाता है। White Frame Corner Image Credit: Canva

भारत में कितने क्रेडिट ब्यूरो?

[{"selector":"#anim-711a1547-4fc0-4888-b040-908ad64bbccd [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c2aacae0-105f-497f-b847-09e98aa799b3","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f42d249-4169-48cd-ad5f-ba05fa64bec8","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-204a2175-deeb-42b3-8546-d08042df7ea7","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-948e3149-1658-40fb-817c-93a10009c019","keyframes":{"transform":["rotate(-360deg) translate3d(118.42105%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f7c3b814-0ad8-44c2-90f4-5298d4240bb2","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-ed491391-68da-4f07-a417-263b36fc20c5","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] भारत में कुल चार क्रेडिट ब्यूरो हैं: CRIF Highmark, Equifax, Experian और TransUnion CIBIL White Frame Corner Image Credit: Canva

दोबारा ध्यान दें

[{"selector":"#anim-757c3eb8-25c0-4cf3-a666-c8702952dcb1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-34262c0f-40f3-427b-94a4-582631589855","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d4db1b7-6616-47b3-98c2-a72c4e97fd7b","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5e64ff09-9689-41fe-b66a-7e0b7f4d2f07","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f67fcc0-0d71-44a4-ac2a-c4e41d3cfbd0","keyframes":{"transform":["rotate(-360deg) translate3d(118.42105%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ecddbd0-3963-4e45-a2ce-ee185caa72d6","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-38af08be-e73e-4804-9352-5489930d442d","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] क्रेडिट स्कोर सभी चार क्रेडिट ब्यूरो प्रदान कर सकते हैं लेकिन सिबिल स्कोर सिर्फ TransUnion CIBIL प्रदान करता है। यहीं सिबिल स्कोर और क्रेडिट स्कोर का अंतर भी है। White Frame Corner Image Credit: Canva

ऐसे सुधार सकते हैं अपना सिबिल या क्रेडिट स्कोर

[{"selector":"#anim-f68375e8-b74b-4f61-a1e8-b892a9641c58 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-3c175287-1025-4f9d-b8ff-0d9dc2a5a61f","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d43c587e-8a96-4735-8edf-9c0cd5f3a766","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c7be1211-dd63-4cb1-a7bc-e046dbcf9f1b","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f247d401-f713-4260-acba-0c6ec5a9cf44","keyframes":{"transform":["rotate(-360deg) translate3d(114.24332%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c7ac1f89-e1b1-45cd-ab34-600524ea3174","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-1b69f2d1-1b5f-4398-88c0-32788016566f","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] 1. सुरक्षित और असुरक्षित लोन का एक हेल्थी मिक्स रखें 2. अपने क्रेडिट कार्ड बिलों का समय पर भुगतान करें 3. किसी एक के लिए आवेदन करने से पहले किसी भी लंबित लोन का भुगतान करें 4. एक से अधिक लोन के लिए आवेदन न करें White Frame Corner Image Credit: Canva

संबंधित खबरें आगामी बजट से मिडिल क्लास को क्या उम्मीदें? 5 प्वाइंट में समझिए ऑनलाइन के बाद अब काउंटर से भी तत्काल टिकट बुक करने का बदला नियम! स्टेशन जानें से पहले जान लीजिए 2025 में ये हैं दुनिया के 10 सबसे महंगे शहर, भारत का कोई शहर है ? Aadhaar Card: नया अपडेट! अब बिना आधार सेवा केंद्र जाये मोबाइल से ही बदल सकेंगे फोन नंबर, Step by Step Process पासपोर्ट से अलग होता है वीजा! ज्यादातर लोग एक ही समझ लेते हैं, फटाफट दूर करें अपना कन्फ्यूजन Aadhar Card: दो आधार रखने से हो सकती है जेल! तुरंत उठाएं यह कदम ATM कार्ड डालने से पहले 2 बार 'Cancel' बटन दबाने से हैक नहीं होगा आपका डेटा? वायरल दावे पर सरकार ने दिया जवाब कहीं आप भी तो म्यूचुअल फंड में निवेश करते वक्त नहीं करते ये गलतियां? फटाफट करें चेक नहीं तो होगा लाखों का नुकसान MCLR, RLLR, और EBLR इंटरेस्ट रेट क्या है? आपने जो लोन लिया है उसमें कौन का रेट लगा है - ऐसे पता चलेगा