5 Main Loan Reject Hone Ke Reason Aur Unka Solution – Full Guide 2025

Kya aapka loan reject ho gaya? Yah article batata hai top 5 reason jinke wajah se loan reject hota hai aur unka easy solution, taaki next time aapka loan approval sure ho.

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Loan Reject Hone Ke 5 Main Reason Aur Unka Solution – Full Guide 2025

Loan lena aaj ke time me common baat hai — chahe personal loan ho, home loan ho ya business loan. Lekin kai logon ka application bank ya NBFC ke paas jaake reject ho jata hai, aur reason samajh nahi aata.

Agar aapka loan reject hua hai, to tension mat lijiye 🙌 — yah guide aapko batayegi loan reject hone ke 5 main reason aur unke practical solution, taaki aapka next loan 100% approve ho sake.

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🔹 1. Low CIBIL Score (Credit Score Kam Hona)

⚠️ Problem:

Bank aapka credit score check karta hai — agar wo 700 se kam hai, to aapko risky borrower maana jata hai.
Poor repayment history, late EMI, ya credit card default se score gir jata hai.

✅ Solution:

• Apna CIBIL Score check karo (free me cibil.com, paisabazaar.com ya bank app se).

• Sabhi pending EMI aur credit card bill time pe pay karo.

• Old credit card band mat karo (credit history maintain rahegi).

• 6 mahine tak regular repayment se score improve ho jata hai.

👉 Ideal Score: 750+

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🔹 2. Incomplete Documents / Wrong Information

⚠️ Problem:

Bahut baar loan reject hota hai kyunki aapke documents incomplete hote hain, ya address, name, income proof me mismatch hota hai.

✅ Solution:

• Loan apply karne se pehle document checklist complete rakho — Aadhaar, PAN, salary slip, bank statement, ITR, address proof.

• Application form me sab details accurate aur updated bharo.

• KYC mismatch avoid karne ke liye same naam aur signature use karo.

📝 Tip: Bank verification call ya email ka reply jaldi do — delay hone se bhi rejection hota hai.

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🔹 3. High Existing Loan or EMI Burden

⚠️ Problem:

Agar aap already multiple loan chuka rahe ho, to bank samajhta hai ki aapke paas repayment ke liye limited capacity hai.
Isse aapka debt-to-income ratio high ho jata hai.

✅ Solution:

• Pehle purane loan close karo, fir naya loan apply karo.

• Aapka total EMI aapki monthly income ke 40% se zyada nahi hona chahiye.

• Salary badhne ke baad hi higher loan amount ke liye apply karo.

📊 Example:
Agar aapki salary ₹30,000 hai, to EMI ₹12,000 se upar nahi honi chahiye.

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🔹 4. Unstable Job or Irregular Income

⚠️ Problem:

Bank ko stability chahiye. Agar aap job frequently change karte ho, ya self-employed hoke proper ITR nahi dikhate, to loan reject ho jata hai.

✅ Solution:

• Ek company me kam se kam 6–12 mahine ka experience zaroor ho.

• Self-employed log apna last 2–3 saal ka ITR file karein.

• Salary account me regular income inflow rakhein.

💡 Tip: Agar job change hua hai to new company ka offer letter aur previous salary slip zaroor lagayein.

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🔹 5. Wrong Loan Amount or Type Apply Karna

⚠️ Problem:

Kabhi kabhi applicants apni eligibility ke hisab se zyada loan amount apply kar lete hain. Bank jab repayment capacity check karta hai to reject kar deta hai.

✅ Solution:

• Pehle apni loan eligibility calculator se check karo.

• Zyada loan chahiye to co-applicant (spouse/parent) add karo.

• Collateral loan (jaise gold loan, property loan) consider karo — approval easy milta hai.

🔍 Tip: Small loan amount se start karo — ek baar repayment history strong ho gayi to limit badhti hai.

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📘 Bonus Tips – Loan Approval Chances Kaise Badhaayein

1. Multiple loan application ek saath mat bhejo — har enquiry se CIBIL score girta hai.

2. Salary account se apply karo — bank ko trust milta hai.

3. Same bank me relationship maintain karo (savings, FD, credit card) — approval rate badhta hai.

4. Guarantor / Co-Applicant add karne se approval chance 20–30% tak badhta hai.

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🙌 Conclusion

Loan reject hone ka matlab ye nahi ke aap kabhi loan nahi le sakte. Bas thoda sa planning aur smart approach rakhiye — CIBIL improve karke, document complete karke aur sahi loan type choose karke aapka next loan easily approve ho sakta hai.

👉 Always remember: “Bank aapke financial discipline par bharosa karta hai.”

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❓ FAQ – Loan Reject Hone Ke Reason

Q1. Agar mera loan reject ho gaya to kya main firse apply kar sakta hoon?

Ans: Haan, lekin 3–6 mahine baad apply karein. Pehle rejection ka reason samjhein aur CIBIL/improvement karein.

Q2. Loan rejection ka record CIBIL me dikhata hai kya?

Ans: Nahi, rejection record nahi dikhta — sirf enquiries aur repayment history CIBIL me hoti hai.

Q3. Minimum CIBIL score kitna hona chahiye?

Ans: 700 se upar score best mana jata hai; 750+ hone par approval chances high hote hain.

Q4. Salary kam hone par loan kaise milega?

Ans: Co-applicant add karke ya secured loan (gold/property) lekar approval mil sakta hai.

Q5. Bank rejection ke baad dusre bank me apply kar sakte hain?

Ans: Bilkul, par ek saath multiple banks me apply mat karein. Pehle issue fix karein, fir apply karein.

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