Aaj ke time mein CIBIL score har borrower ke liye bahut important hai. Chahe aap personal loan lena chahein, credit card apply karna ho ya car loan — har jagah pehla sawal hota hai: “Aapka CIBIL score kitna hai?”
Lekin jab aap financial difficulty mein hote ho aur loan settlement karte ho, toh yahi score pe sabse zyada asar padta hai.
Chaliye, simple shabdon mein samajhte hain — loan settlement ka CIBIL score par kya effect hota hai, aur agar score gir gaya ho toh use kaise improve karein.
Loan Settlement Kya Hota Hai?
Loan settlement ka matlab hota hai poora paisa chhudaane ke bajaye, lender ke saath ek negotiated amount pay kar ke loan close kar dena.
For example:
Agar aapka outstanding ₹2 lakh hai, aur aap financial crisis mein ho (job loss, medical emergency, etc.), toh bank aapse ₹1.2 lakh le kar loan “settle” kar sakta hai.
Yani, aapka loan close toh ho jata hai — lekin poori payment nahi hoti. Isi wajah se ye process aapke CIBIL report par alag tarah se reflect hota hai.
CIBIL Report Mein Loan Settlement Kaise Dikhta Hai?
Jab aap loan settlement karte ho, toh lender CIBIL ko report karta hai ki loan “Settled” hai — “Closed” nahi.
Aur ye difference hi aapke credit profile par negative impact dalta hai.
CIBIL report mein kuch common statuses hote hain:
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Closed: Loan puri tarah repay ho gaya. (Positive impact)
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Settled: Loan part-payment se close hua. (Negative impact)
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Written-off: Lender ne loss likh liya. (Severe negative impact)
Toh agar report mein “Settled” likha hua hai, lenders ko lagta hai ki borrower ne poora paisa nahi chukaya — aur ye unke liye risk signal hota hai.
CIBIL Score Par Kitna Asar Padta Hai?
Loan settlement ke baad CIBIL score mein 75 se 150 points tak girawat aa sakti hai — ye depend karta hai aapke credit history aur loan amount par.
Example ke liye:
Agar aapka score pehle 780 tha, toh settlement ke baad wo 650 ya 620 tak gir sakta hai.
Aur 650 ke neeche ke score ko banks “high-risk” category maante hain. Matlab, future mein loan lena mushkil ho sakta hai.
Future Loan Eligibility Pe Impact
Loan settlement ke baad, aapko:
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New loan milna mushkil ho sakta hai,
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Interest rate zyada lag sakta hai,
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Credit card approval bhi reject ho sakta hai.
Banks aur NBFCs “settled accounts” dekh kar cautious ho jaate hain, kyunki unhe lagta hai borrower phir se full payment nahi karega.
CIBIL Score Improve Kaise Karein Settlement Ke Baad
Agar aapne settlement kar liya hai, toh tension lene ki zarurat nahi — score improve karna possible hai.
Bas thoda patience aur discipline chahiye.
Yeh 5 steps follow kijiye:
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No Dues Certificate (NDC) Lo:
Settlement ke baad bank se written proof lo ki account close ho gaya hai. -
Regular Bill Payments:
Apne credit card aur EMIs time pe bharna start karo — koi delay mat karo. -
Credit Utilization Kam Rakho:
Apne total credit limit ka 30% se zyada use mat karo. -
Old Accounts Active Rakho:
Purane credit cards aur accounts maintain karo — ye credit age badhate hain. -
CIBIL Dispute Raise Karo (Agar Needed Ho):
Agar report galat dikha raha hai (e.g., “Active” instead of “Settled”), toh CIBIL portal pe dispute file karo. -
Secure Credit Card Lo (Optional):
Fixed deposit ke against secured card le kar use responsibly karo — ye score rebuild karne mein help karta hai.
Alternative to Loan Settlement
Agar aap abhi loan settle karne ke baare mein soch rahe ho, toh pehle ye options try kar sakte ho:
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Loan Restructuring: Bank aapke EMIs kam kar sakta hai.
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EMI Moratorium: Kuch time ke liye EMI postpone karne ka option mil sakta hai.
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Top-up ya Balance Transfer: Better rate ya flexible tenure mil sakta hai.
Ye options choose karne se CIBIL par negative impact nahi padta.
Final Words
Loan settlement short-term relief deta hai, lekin long-term mein credit score ko nuksan pahucha sakta hai.
Agar aapka financial condition genuinely tough hai, toh ye ek emergency option ho sakta hai — lekin soch samajhkar decision lena zaruri hai.
Settlement On Loan par hum borrowers ko help karte hain smart negotiation aur best settlement deals ke saath — taaki aapka financial burden kam ho aur credit reputation safe rahe.
