{"id":38504,"date":"2026-09-16T03:20:09","date_gmt":"2026-09-15T21:50:09","guid":{"rendered":"https:\/\/petrolnews.in\/live\/%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e2%82%b9500-%e0%a4%95%e0%a4%be-%e0%a4%9b%e0%a5%8b%e0%a4%9f%e0%a4%be-%e0%a4%ac%e0%a4%95%e0%a4%be%e0%a4%af%e0%a4%be-%e0%a4%b8%e0%a4%9a%e0%a4%ae%e0%a5%81%e0%a4%9a\/"},"modified":"2026-09-16T03:20:09","modified_gmt":"2026-09-15T21:50:09","slug":"%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e2%82%b9500-%e0%a4%95%e0%a4%be-%e0%a4%9b%e0%a5%8b%e0%a4%9f%e0%a4%be-%e0%a4%ac%e0%a4%95%e0%a4%be%e0%a4%af%e0%a4%be-%e0%a4%b8%e0%a4%9a%e0%a4%ae%e0%a5%81%e0%a4%9a","status":"publish","type":"post","link":"https:\/\/petrolnews.in\/live\/%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e2%82%b9500-%e0%a4%95%e0%a4%be-%e0%a4%9b%e0%a5%8b%e0%a4%9f%e0%a4%be-%e0%a4%ac%e0%a4%95%e0%a4%be%e0%a4%af%e0%a4%be-%e0%a4%b8%e0%a4%9a%e0%a4%ae%e0%a5%81%e0%a4%9a\/","title":{"rendered":"\u0915\u094d\u092f\u093e \u20b9500 \u0915\u093e \u091b\u094b\u091f\u093e \u092c\u0915\u093e\u092f\u093e \u0938\u091a\u092e\u0941\u091a \u092c\u093f\u0917\u093e\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948 \u0906\u092a\u0915\u093e CIBIL \u0938\u094d\u0915\u094b\u0930? \u091c\u093e\u0928\u093f\u090f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u093e \u090f\u0932\u094d\u0917\u094b\u0930\u093f\u0926\u092e"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/newsindialive.in\/public\/uploads\/news\/full\/1789494529_d8ab026f2ec8e5ebd8c3.jpg\" \/><\/p>\n<div>\n<p>\u0906\u091c \u0915\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u0914\u0930 \u0915\u0948\u0936\u0932\u0947\u0938 \u0926\u094c\u0930 \u092e\u0947\u0902 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0914\u0930 &#8216;\u092c\u093e\u092f \u0928\u093e\u0909 \u092a\u0947 \u0932\u0947\u091f\u0930&#8217; (BNPL) \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0906\u092e 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\u0930\u0915\u092e \u0915\u0947 \u0932\u093f\u090f \u092c\u0948\u0902\u0915 \u0915\u094d\u092f\u093e \u0915\u0930\u0947\u0917\u093e, \u0905\u0917\u0932\u0947 \u092e\u0939\u0940\u0928\u0947 \u0926\u0947\u0916 \u0932\u0947\u0902\u0917\u0947\u0964&#8221; \u092f\u0926\u093f \u0906\u092a \u092d\u0940 \u0910\u0938\u093e \u0938\u094b\u091a\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0939 \u0932\u093e\u092a\u0930\u0935\u093e\u0939\u0940 \u0906\u092a\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u093e\u0916 (Credit Profile) \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0918\u093e\u0924\u0915 \u0938\u093e\u092c\u093f\u0924 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0938\u0947 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0926\u0947\u0936 \u0915\u0947 \u091a\u093e\u0930 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\u0928\u094b\u090f\u0921\u093e, \u0917\u093e\u091c\u093f\u092f\u093e\u092c\u093e\u0926 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0926\u0947\u0936 \u092d\u0930 \u0915\u0947 \u092e\u0947\u091f\u094d\u0930\u094b \u0936\u0939\u0930\u094b\u0902 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u0908 \u092a\u094d\u0930\u094b\u092b\u0947\u0936\u0928\u0932\u094d\u0938 \u0924\u092c \u091a\u094c\u0902\u0915 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902 \u091c\u092c \u0909\u0928\u0915\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 780 \u0938\u0947 \u0932\u0941\u0922\u093c\u0915\u0915\u0930 \u0938\u0940\u0927\u0947 700 \u0915\u0947 \u0928\u0940\u091a\u0947 \u092a\u0939\u0941\u0902\u091a \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u0915\u093f\u0938\u0940 \u0928\u090f \u0939\u094b\u092e \u0932\u094b\u0928 \u092f\u093e \u0915\u093e\u0930 \u0932\u094b\u0928 \u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u092a\u0930 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\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0928\u0947 \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u090f\u0915 \u092e\u091c\u092c\u0942\u0924 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0935\u091a \u0926\u093f\u092f\u093e \u0939\u0941\u0906 \u0939\u0948\u0964 \u0906\u0930\u092c\u0940\u0906\u0908 \u0915\u0947 \u092e\u093e\u0938\u094d\u091f\u0930 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u0936\u0928 (Master Direction on Credit Card and Debit Card) \u0915\u0947 \u0924\u0939\u0924 \u0938\u092d\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u091c\u093e\u0930\u0940\u0915\u0930\u094d\u0924\u093e \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f &#8216;\u0915\u092e \u0938\u0947 \u0915\u092e 3 \u0926\u093f\u0928 \u0915\u093e \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0917\u094d\u0930\u0947\u0938 \u092a\u0940\u0930\u093f\u092f\u0921&#8217; (3-Day Grace Period) \u0926\u0947\u0928\u093e \u0915\u093e\u0928\u0942\u0928\u0940 \u0930\u0942\u092a \u0938\u0947 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u0948\u0964<\/p>\n<p>\u0906\u0930\u092c\u0940\u0906\u0908 \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930:<\/p>\n<ul>\n<li>\n<p>\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092c\u093f\u0932 \u0915\u0940 \u0905\u0902\u0924\u093f\u092e \u0924\u093e\u0930\u0940\u0916 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 5 \u0924\u093e\u0930\u0940\u0916 \u0939\u0948, \u0924\u094b \u092c\u0948\u0902\u0915 8 \u0924\u093e\u0930\u0940\u0916 \u0924\u0915 \u0928 \u0924\u094b \u0906\u092a \u092a\u0930 \u0915\u094b\u0908 \u0932\u0947\u091f \u092a\u0947\u092e\u0947\u0902\u091f \u092b\u0940\u0938 (Late Payment Charges) \u0932\u0917\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0914\u0930 \u0928 \u0939\u0940 \u0906\u092a\u0915\u0947 \u0916\u093e\u0924\u0947 \u0915\u094b \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u094b &#8216;Past Due&#8217; (\u0905\u0924\u093f\u0926\u0947\u092f) \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p>\u092f\u0926\u093f \u0906\u092a \u0907\u0938 3 \u0926\u093f\u0928 \u0915\u0940 \u092e\u094b\u0939\u0932\u0924 \u0915\u0947 \u092d\u0940\u0924\u0930 \u20b9500 \u0915\u093e \u092a\u0942\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0936\u0942\u0928\u094d\u092f (0%) \u0905\u0938\u0930 \u092a\u0921\u093c\u0947\u0917\u093e \u0914\u0930 \u0906\u092a\u0915\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0939\u0947\u0917\u093e\u0964<\/p>\n<\/li>\n<li>\n<p>\u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u092f\u0939 \u0938\u092e\u091d\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948 \u0915\u093f \u092f\u0939 3 \u0926\u093f\u0928 \u0915\u093e \u0917\u094d\u0930\u0947\u0938 \u092a\u0940\u0930\u093f\u092f\u0921 \u0915\u0947\u0935\u0932 \u0932\u0947\u091f \u092b\u0940\u0938 \u0914\u0930 \u0938\u093f\u092c\u093f\u0932 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917 \u0938\u0947 \u092c\u091a\u093e\u0924\u093e \u0939\u0948; \u092f\u0926\u093f \u0906\u092a\u0928\u0947 \u0926\u0947\u092f \u0924\u093f\u0925\u093f \u0924\u0915 \u092c\u093f\u0932 \u0928\u0939\u0940\u0902 \u092d\u0930\u093e \u0939\u0948, \u0924\u094b \u0909\u0938 \u092c\u0915\u093e\u092f\u093e \u0930\u093e\u0936\u093f \u092a\u0930 \u0916\u0930\u0940\u0926\u093e\u0930\u0940 \u0915\u0940 \u092e\u0942\u0932 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 \u0932\u0917\u0928\u0947 \u0935\u093e\u0932\u093e \u0928\u093f\u092f\u092e\u093f\u0924 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u091a\u093e\u0930\u094d\u091c (\u092c\u094d\u092f\u093e\u091c) \u0932\u093e\u0917\u0942 \u0930\u0939 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<\/ul>\n<p>\u092f\u0926\u093f 3 \u0926\u093f\u0928 \u0915\u093e \u0917\u094d\u0930\u0947\u0938 \u092a\u0940\u0930\u093f\u092f\u0921 \u092c\u0940\u0924 \u0917\u092f\u093e \u0914\u0930 \u0906\u092a\u0928\u0947 \u092b\u093f\u0930 \u092d\u0940 \u0935\u0939 \u20b9500 \u091c\u092e\u093e \u0928\u0939\u0940\u0902 \u0915\u093f\u090f, \u0924\u094b \u092c\u0948\u0902\u0915 \u0915\u0940 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0924\u0941\u0930\u0902\u0924 \u0926\u0902\u0921\u093e\u0924\u094d\u092e\u0915 \u092e\u094b\u0921 \u092e\u0947\u0902 \u0906 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0932\u0947\u091f \u092a\u0947\u092e\u0947\u0902\u091f \u092b\u0940\u0938 \u0915\u0947 \u0905\u0932\u0917-\u0905\u0932\u0917 \u0938\u094d\u0932\u0948\u092c \u0939\u094b\u0924\u0947 \u0939\u0948\u0902:<\/p>\n<ul>\n<li>\n<p>\u20b9100 \u0938\u0947 \u0915\u092e \u0915\u0947 \u092c\u0915\u093e\u090f \u092a\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u0903 \u0915\u094b\u0908 \u0932\u0947\u091f \u092b\u0940\u0938 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/p>\n<\/li>\n<li>\n<p>\u20b9100 \u0938\u0947 \u20b9500 \u0915\u0947 \u092c\u0915\u093e\u092f\u093e \u0938\u094d\u0932\u0948\u092c \u092e\u0947\u0902 HDFC Bank, ICICI Bank, Axis Bank \u0914\u0930 Kotak Mahindra Bank \u091c\u0948\u0938\u0947 \u092a\u094d\u0930\u092e\u0941\u0916 \u092c\u0948\u0902\u0915 \u20b9100 \u0915\u0940 \u0932\u0947\u091f \u092a\u0947\u092e\u0947\u0902\u091f \u092b\u0940\u0938 \u0935\u0938\u0942\u0932\u0924\u0947 \u0939\u0948\u0902 (\u090f\u0938\u092c\u0940\u0906\u0908 \u0915\u093e\u0930\u094d\u0921 \u20b9500 \u0924\u0915 \u0932\u0947\u091f \u092b\u0940\u0938 \u0936\u0942\u0928\u094d\u092f \u0930\u0916\u0924\u093e \u0939\u0948)\u0964<\/p>\n<\/li>\n<li>\n<p>\u092f\u0926\u093f \u0906\u092a\u0915\u093e \u092c\u0915\u093e\u092f\u093e \u20b9501 \u092f\u093e \u0909\u0938\u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0932\u0947\u091f \u092b\u0940\u0938 \u0938\u0940\u0927\u0947 \u092c\u0922\u093c\u0915\u0930 \u20b9400 \u0938\u0947 \u20b9500 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p>\u0907\u0938 \u0932\u0947\u091f \u092b\u0940\u0938 \u092a\u0930 18 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0940 \u0926\u0930 \u0938\u0947 \u091c\u0940\u090f\u0938\u091f\u0940 (GST) \u0905\u0932\u0917 \u0938\u0947 \u091c\u0941\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p>\u0907\u0938\u0915\u0947 \u090a\u092a\u0930, \u0932\u0917\u092d\u0917 3.5% \u0938\u0947 3.75% \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 (\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0906\u0927\u093e\u0930 \u092a\u0930 42% \u0938\u0947 45% APR) \u0915\u093e \u092d\u093e\u0930\u0940-\u092d\u0930\u0915\u092e \u091a\u0915\u094d\u0930\u0935\u0943\u0926\u094d\u0927\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u0916\u0930\u0940\u0926\u093e\u0930\u0940 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 \u091c\u0941\u0921\u093c\u0928\u0947 \u0932\u0917\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<\/ul>\n<p>\u0928\u0924\u0940\u091c\u0924\u0928, \u091c\u093f\u0938 \u20b9500 \u0915\u094b \u0906\u092a\u0928\u0947 \u092e\u093e\u092e\u0942\u0932\u0940 \u0938\u092e\u091d\u0915\u0930 \u091b\u094b\u0921\u093c \u0926\u093f\u092f\u093e \u0925\u093e, \u0935\u0939 \u0905\u0917\u0932\u0947 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u092c\u093f\u0932 \u092e\u0947\u0902 \u0932\u0947\u091f \u092b\u0940\u0938, \u092c\u094d\u092f\u093e\u091c \u0914\u0930 \u091f\u0948\u0915\u094d\u0938 \u091c\u0941\u0921\u093c\u0915\u0930 \u20b91,000 \u0938\u0947 \u20b91,200 \u0915\u093e \u092c\u0928 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932 \u0914\u0930 \u0916\u0924\u0930\u0928\u093e\u0915 \u0915\u0949\u0932\u092e &#8216;DPD&#8217; \u092f\u093e\u0928\u0940 \u0921\u0947\u091c \u092a\u093e\u0938\u094d\u091f \u0921\u094d\u092f\u0942 (Days Past Due) \u0915\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u0915\u094b\u0908 \u0915\u0930\u094d\u091c\u0926\u093e\u0924\u093e \u092f\u093e \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0940 \u0938\u093f\u092c\u093f\u0932 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0926\u0947\u0916\u0924\u093e \u0939\u0948, \u0924\u094b \u0935\u0939 \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0907\u0938\u0940 DPD \u091f\u094d\u0930\u0948\u0915 \u0915\u094b \u091a\u0947\u0915 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0914\u0930 \u0938\u094d\u0935\u0938\u094d\u0925 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 DPD \u0915\u0940 \u091c\u0917\u0939 &#8216;000&#8217; \u092f\u093e &#8216;STD&#8217; (Standard) \u0932\u093f\u0916\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u093e \u0905\u0930\u094d\u0925 \u0939\u0948 \u0915\u093f \u0939\u0930 \u092a\u0947\u092e\u0947\u0902\u091f \u0938\u092e\u092f \u092a\u0930 \u0939\u0941\u0908 \u0939\u0948\u0964<\/p>\n<p>\u0932\u0947\u0915\u093f\u0928 \u092f\u0926\u093f \u20b9500 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0932\u0917\u093e\u0924\u093e\u0930 \u091f\u093e\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0907\u0938\u0915\u093e \u091a\u0930\u0923\u092c\u0926\u094d\u0927 \u0905\u0938\u0930 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0939\u094b\u0924\u093e \u0939\u0948:<\/p>\n<ul>\n<li>\n<p><strong>1 \u0938\u0947 29 \u0926\u093f\u0928 \u0915\u0940 \u0926\u0947\u0930\u0940:<\/strong> \u0916\u093e\u0924\u093e \u0913\u0935\u0930\u0921\u094d\u092f\u0942 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0932\u0947\u091f \u092b\u0940\u0938 \u0932\u0917 \u091c\u093e\u0924\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u091c\u094d\u092f\u093e\u0926\u093e\u0924\u0930 \u092c\u0948\u0902\u0915 \u0907\u0938\u0947 \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u0903 30 \u0926\u093f\u0928 \u092a\u0942\u0930\u0947 \u0939\u094b\u0928\u0947 \u0924\u0915 \u0914\u092a\u091a\u093e\u0930\u093f\u0915 &#8216;\u0921\u093f\u092b\u093c\u0949\u0932\u094d\u091f \u0936\u094d\u0930\u0947\u0923\u0940&#8217; \u092e\u0947\u0902 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947\u0964<\/p>\n<\/li>\n<li>\n<p><strong>30 \u0926\u093f\u0928 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0915\u0940 \u0926\u0947\u0930\u0940 (30+ DPD):<\/strong> \u092f\u0926\u093f \u092c\u093f\u0932 \u0906\u090f \u0939\u0941\u090f 30 \u0926\u093f\u0928 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0915\u093e \u0938\u092e\u092f \u092c\u0940\u0924 \u0917\u092f\u093e \u0914\u0930 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0926\u0947\u092f \u0930\u093e\u0936\u093f (Minimum Amount Due) \u092d\u0940 \u091c\u092e\u093e \u0928\u0939\u0940\u0902 \u0915\u0940 \u0917\u0908, \u0924\u094b \u092c\u0948\u0902\u0915 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u094b &#8216;030 DPD&#8217; \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930 \u0926\u0947\u0924\u093e \u0939\u0948\u0964 \u091c\u0948\u0938\u0947 \u0939\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 30 DPD \u0926\u0930\u094d\u091c \u0939\u094b\u0924\u093e \u0939\u0948, \u0906\u092a\u0915\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u090f\u0915 \u091d\u091f\u0915\u0947 \u092e\u0947\u0902 50 \u0938\u0947 80 \u0905\u0902\u0915 \u0924\u0915 \u0928\u0940\u091a\u0947 \u0917\u093f\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>60 \u0938\u0947 89 \u0926\u093f\u0928 \u0915\u0940 \u0926\u0947\u0930\u0940 (60+ DPD):<\/strong> \u0930\u093f\u0915\u0935\u0930\u0940 \u0915\u0949\u0932\u094d\u0938 \u0914\u0930 \u090f\u0938\u090f\u092e\u090f\u0938 \u0936\u0941\u0930\u0942 \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902, \u0916\u093e\u0924\u093e &#8216;\u0938\u094d\u092a\u0947\u0936\u0932 \u092e\u0947\u0902\u0936\u0928 \u0905\u0915\u093e\u0909\u0902\u091f&#8217; (SMA) \u092e\u0947\u0902 \u091a\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u0938\u094d\u0915\u094b\u0930 100 \u0905\u0902\u0915 \u0938\u0947 \u0905\u0927\u093f\u0915 \u091f\u0942\u091f \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>90 \u0926\u093f\u0928 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0915\u0940 \u0926\u0947\u0930\u0940 (90+ DPD \/ NPA):<\/strong> \u20b9500 \u0915\u093e \u092f\u0939 \u091b\u094b\u091f\u093e \u0938\u093e \u0916\u093e\u0924\u093e \u092c\u0948\u0902\u0915 \u0915\u0940 \u0915\u093f\u0924\u093e\u092c\u094b\u0902 \u092e\u0947\u0902 &#8216;\u0928\u0949\u0928-\u092a\u0930\u092b\u0949\u0930\u094d\u092e\u093f\u0902\u0917 \u090f\u0938\u0947\u091f&#8217; (NPA) \u092f\u093e &#8216;\u0938\u092c-\u0938\u094d\u091f\u0948\u0902\u0921\u0930\u094d\u0921&#8217; \u0918\u094b\u0937\u093f\u0924 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u092c\u093e\u0926 \u092c\u0948\u0902\u0915 \u0915\u093e\u0930\u094d\u0921 \u0915\u094b \u092c\u094d\u0932\u0949\u0915 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0938\u093f\u092c\u093f\u0932 \u092e\u0947\u0902 \u0906\u092a\u0915\u093e \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 &#8216;\u0921\u093f\u092b\u0949\u0932\u094d\u091f\u0930&#8217; \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0926\u0930\u094d\u091c \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u090f\u0915 \u092c\u093e\u0930 90+ DPD \u0932\u0917\u0928\u0947 \u092a\u0930 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 150 \u0938\u0947 200 \u0905\u0902\u0915 \u0924\u0915 \u0927\u0921\u093c\u093e\u092e \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<\/ul>\n<p>\u092a\u0939\u0932\u0947 \u0915\u0947 \u0935\u0930\u094d\u0937\u094b\u0902 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915 \u092e\u0939\u0940\u0928\u0947 \u092e\u0947\u0902 \u0915\u0947\u0935\u0932 \u090f\u0915 \u092c\u093e\u0930 \u092f\u093e 30 \u0938\u0947 45 \u0926\u093f\u0928\u094b\u0902 \u0915\u0947 \u0905\u0902\u0924\u0930\u093e\u0932 \u092a\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u094b \u0921\u0947\u091f\u093e \u092d\u0947\u091c\u0924\u0947 \u0925\u0947, \u091c\u093f\u0938\u0938\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u091a\u0942\u0915 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u093e \u0925\u094b\u0921\u093c\u093e \u0938\u092e\u092f \u092e\u093f\u0932 \u091c\u093e\u0924\u093e \u0925\u093e\u0964 \u0932\u0947\u0915\u093f\u0928 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917 \u092b\u094d\u0930\u0947\u092e\u0935\u0930\u094d\u0915 \u092e\u0947\u0902 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u094b \u092c\u0947\u0939\u0926 \u0938\u0916\u094d\u0924 \u092c\u0928\u093e \u0926\u093f\u092f\u093e \u0939\u0948\u0964 \u0905\u092c \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 (NBFCs) \u0915\u094b \u092e\u0939\u0940\u0928\u0947 \u092e\u0947\u0902 \u091a\u093e\u0930 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0924\u093e\u0930\u0940\u0916\u094b\u0902 (9\u0935\u0940\u0902, 16\u0935\u0940\u0902, 23\u0935\u0940\u0902 \u0914\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0905\u0902\u0924\u093f\u092e \u0926\u093f\u0928) \u092a\u0930 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0924\u093e\u091c\u093e \u0921\u0947\u091f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u094b \u092d\u0947\u091c\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0907\u0938 \u0938\u093e\u092a\u094d\u0924\u093e\u0939\u093f\u0915 \u0914\u0930 \u092a\u093e\u0915\u094d\u0937\u093f\u0915 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917 \u091a\u0915\u094d\u0930 \u0915\u093e \u0938\u0940\u0927\u093e \u092e\u0924\u0932\u092c \u092f\u0939 \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u0940 \u090f\u0915 \u091b\u094b\u091f\u0940 \u0938\u0940 \u091a\u0942\u0915 \u0905\u092c \u0915\u0941\u091b \u0939\u0940 \u0926\u093f\u0928\u094b\u0902 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0906\u092a\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u0926\u0930\u094d\u091c \u0939\u094b \u091c\u093e\u090f\u0917\u0940\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0928\u090f \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u090f\u0915 \u092c\u0921\u093c\u093e \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e-\u0939\u093f\u0924\u0948\u0937\u0940 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u092f\u0939 \u092d\u0940 \u091c\u094b\u0921\u093c\u093e \u0917\u092f\u093e \u0939\u0948 \u0915\u093f \u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u0915\u094b \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u093e \u0921\u093f\u092b\u0949\u0932\u094d\u091f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u094b \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u094b \u090f\u0938\u090f\u092e\u090f\u0938 \u092f\u093e \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0908\u092e\u0947\u0932 \u0915\u0947 \u091c\u0930\u093f\u090f \u0905\u0917\u094d\u0930\u093f\u092e \u091a\u0947\u0924\u093e\u0935\u0928\u0940 \u0926\u0947\u0928\u093e \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u0948\u0964 \u092f\u0926\u093f \u092c\u0948\u0902\u0915 \u092c\u093f\u0928\u093e \u092a\u0942\u0930\u094d\u0935 \u0938\u0942\u091a\u0928\u093e \u0926\u093f\u090f \u0938\u0940\u0927\u0947 \u0921\u093f\u092b\u0949\u0932\u094d\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u094b \u0917\u094d\u0930\u093e\u0939\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0932\u094b\u0915\u092a\u093e\u0932 (RBI Ombudsman) \u0915\u0947 \u092a\u093e\u0938 \u0936\u093f\u0915\u093e\u092f\u0924 \u0926\u0930\u094d\u091c \u0915\u0930\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u092f\u0939 \u0938\u0935\u093e\u0932 \u0939\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u093e\u0917\u0930\u0942\u0915 \u0928\u093e\u0917\u0930\u093f\u0915 \u0915\u094b \u092a\u0930\u0947\u0936\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u0906\u092a \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 50 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0915\u093e \u0939\u094b\u092e \u0932\u094b\u0928 \u092f\u093e 10 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0915\u093e \u0915\u093e\u0930 \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u092c\u0948\u0902\u0915 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915 \u0915\u093e \u0932\u094b\u0928 \u0911\u092b\u093f\u0938\u0930 \u092f\u0939 \u0928\u0939\u0940\u0902 \u0926\u0947\u0916\u0924\u093e \u0915\u093f \u0906\u092a\u0928\u0947 \u20b9500 \u0928\u0939\u0940\u0902 \u091a\u0941\u0915\u093e\u090f \u0925\u0947\u0964 \u0932\u094b\u0928 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0947 \u092c\u0948\u0902\u0915 \u0915\u093e \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0930\u093f\u0938\u094d\u0915 \u0905\u0938\u0947\u0938\u092e\u0947\u0902\u091f \u0938\u0949\u092b\u094d\u091f\u0935\u0947\u092f\u0930 \u0906\u092a\u0915\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u0915\u0947\u0935\u0932 &#8216;Past Due&#8217; \u092f\u093e &#8216;Missed Payment Flag&#8217; \u0914\u0930 \u0906\u092a\u0915\u0947 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u092a\u0922\u093c\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 750 \u0938\u0947 \u0917\u093f\u0930\u0915\u0930 \u092f\u0926\u093f 680 \u092f\u093e 650 \u092a\u0930 \u0906 \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0907\u0938\u0915\u0947 \u0924\u0940\u0928 \u0917\u0902\u092d\u0940\u0930 \u092a\u0930\u093f\u0923\u093e\u092e \u0939\u094b\u0924\u0947 \u0939\u0948\u0902:<\/p>\n<ol>\n<li>\n<p><strong>\u0932\u094b\u0928 \u0915\u093e \u0938\u0940\u0927\u093e \u0930\u093f\u091c\u0947\u0915\u094d\u0936\u0928:<\/strong> \u0915\u0908 \u092a\u094d\u0930\u092e\u0941\u0916 \u092c\u0948\u0902\u0915 (\u091c\u0948\u0938\u0947 SBI, HDFC, ICICI) 750 \u0938\u0947 \u0915\u092e \u0938\u094d\u0915\u094b\u0930 \u0935\u093e\u0932\u0947 \u0906\u0935\u0947\u0926\u0928\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0947 \u0911\u0928\u0932\u093e\u0907\u0928 \u0938\u093f\u0938\u094d\u091f\u092e \u092e\u0947\u0902 \u0911\u091f\u094b-\u0930\u093f\u091c\u0947\u0915\u094d\u091f \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092e\u0939\u0902\u0917\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902:<\/strong> \u092f\u0926\u093f \u0915\u094b\u0908 \u092c\u0948\u0902\u0915 \u0932\u094b\u0928 \u092e\u0902\u091c\u0942\u0930 \u092d\u0940 \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u094b \u0935\u0939 \u0906\u092a\u0915\u094b &#8216;\u0939\u093e\u0908 \u0930\u093f\u0938\u094d\u0915 \u092c\u0949\u0930\u094b\u0905\u0930&#8217; \u092e\u093e\u0928\u0915\u0930 1.5% \u0938\u0947 2.5% \u0924\u0915 \u0905\u0927\u093f\u0915 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0935\u0938\u0942\u0932\u0924\u093e \u0939\u0948\u0964 30 \u0938\u093e\u0932 \u0915\u0947 \u0939\u094b\u092e \u0932\u094b\u0928 \u092a\u0930 1% \u0905\u0927\u093f\u0915 \u092c\u094d\u092f\u093e\u091c \u0932\u0917\u0928\u0947 \u0915\u093e \u092e\u0924\u0932\u092c \u0932\u093e\u0916\u094b\u0902 \u0930\u0941\u092a\u092f\u0947 \u0915\u093e \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0932\u093f\u092e\u093f\u091f \u092e\u0947\u0902 \u0915\u091f\u094c\u0924\u0940:<\/strong> \u092e\u094c\u091c\u0942\u0926\u093e \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u0918\u091f\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u092f\u093e \u0928\u090f \u0915\u093e\u0930\u094d\u0921 \u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u0928\u093f\u0930\u0938\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<\/li>\n<\/ol>\n<p>\u092f\u0926\u093f \u0906\u092a\u0915\u094b \u0905\u091a\u093e\u0928\u0915 \u092a\u0924\u093e \u091a\u0932\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092f\u093e \u091b\u094b\u091f\u0947 \u0932\u094b\u0928 \u0915\u0940 \u20b9500 \u0915\u0940 \u092a\u0947\u092e\u0947\u0902\u091f \u0921\u094d\u092f\u0942 \u0921\u0947\u091f \u0914\u0930 3-\u0926\u093f\u0928 \u0915\u0947 \u0917\u094d\u0930\u0947\u0938 \u092a\u0940\u0930\u093f\u092f\u0921 \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u091b\u0942\u091f \u0917\u0908 \u0939\u0948, \u0924\u094b \u0918\u092c\u0930\u093e\u0928\u0947 \u0915\u0947 \u092c\u091c\u093e\u092f \u0907\u0928 4 \u0915\u0926\u092e\u094b\u0902 \u0915\u094b \u0924\u0941\u0930\u0902\u0924 \u0909\u0920\u093e\u090f\u0902:<\/p>\n<ul>\n<li>\n<p><strong>\u092c\u093f\u0928\u093e 1 \u092e\u093f\u0928\u091f \u0917\u0902\u0935\u093e\u090f \u0924\u0941\u0930\u0902\u0924 \u092a\u0942\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0947\u0902:<\/strong> \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u092e\u094b\u092c\u093e\u0907\u0932 \u0910\u092a \u092f\u093e \u092f\u0942\u092a\u0940\u0906\u0908 \u0915\u0947 \u091c\u0930\u093f\u090f \u092a\u0942\u0930\u0947 \u092c\u0915\u093e\u090f \u0914\u0930 \u0909\u0938 \u092a\u0930 \u0932\u0917\u0940 \u0932\u0947\u091f \u092b\u0940\u0938 \u0915\u093e 100% \u092d\u0941\u0917\u0924\u093e\u0928 \u0924\u0941\u0930\u0902\u0924 \u0915\u0930 \u0926\u0947\u0902\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u0915\u0938\u094d\u091f\u092e\u0930 \u0915\u0947\u092f\u0930 \u0915\u094b \u0915\u0949\u0932 \u0915\u0930\u0947\u0902 \u0914\u0930 &#8216;\u0917\u0941\u0921\u0935\u093f\u0932 \u0930\u093f\u0935\u0930\u094d\u0938\u0932&#8217; \u092e\u093e\u0902\u0917\u0947\u0902:<\/strong> \u092f\u0926\u093f \u0906\u092a\u0915\u093e \u092a\u093f\u091b\u0932\u093e \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u090f\u0915\u0926\u092e \u0938\u093e\u092b \u0930\u0939\u093e \u0939\u0948 \u0914\u0930 \u0906\u092a\u0928\u0947 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0917\u0932\u0924\u0940 \u0938\u0947 \u092a\u0947\u092e\u0947\u0902\u091f \u092e\u093f\u0938 \u0915\u0940 \u0939\u0948, \u0924\u094b \u092c\u0948\u0902\u0915 \u0915\u0947 \u0915\u0938\u094d\u091f\u092e\u0930 \u0915\u0947\u092f\u0930 \u092a\u0930 \u0915\u0949\u0932 \u0915\u0930\u0915\u0947 \u0935\u093f\u0928\u092e\u094d\u0930\u0924\u093e \u0938\u0947 \u092c\u0924\u093e\u090f\u0902 \u0915\u093f \u092f\u0939 \u090f\u0915 \u0905\u0928\u091c\u093e\u0928\u0947 \u092e\u0947\u0902 \u0939\u0941\u0908 \u0924\u0915\u0928\u0940\u0915\u0940 \u092f\u093e \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u091a\u0942\u0915 \u0925\u0940\u0964 \u092f\u0926\u093f \u0906\u092a \u0932\u0917\u093e\u0924\u093e\u0930 \u0938\u092e\u092f \u092a\u0930 \u092a\u0947\u092e\u0947\u0902\u091f \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915 \u0905\u0915\u094d\u0938\u0930 &#8216;\u0917\u0941\u0921\u0935\u093f\u0932 \u091c\u0947\u0938\u094d\u091a\u0930&#8217; (Goodwill Gesture) \u0915\u0947 \u0924\u094c\u0930 \u092a\u0930 \u0932\u0947\u091f \u092b\u0940\u0938 \u092e\u093e\u092b \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092c\u0948\u0902\u0915 \u0938\u0947 \u0938\u093f\u092c\u093f\u0932 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u093e \u0932\u093f\u0916\u093f\u0924 \u0905\u0928\u0941\u0930\u094b\u0927 \u0915\u0930\u0947\u0902:<\/strong> \u0915\u0938\u094d\u091f\u092e\u0930 \u0915\u0947\u092f\u0930 \u0938\u0947 \u092f\u0939 \u0935\u093f\u0936\u0947\u0937 \u0906\u0917\u094d\u0930\u0939 \u0915\u0930\u0947\u0902 \u0915\u093f \u091a\u0942\u0902\u0915\u093f \u0906\u092a\u0928\u0947 \u092a\u0942\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930 \u0926\u093f\u092f\u093e \u0939\u0948, \u0907\u0938\u0932\u093f\u090f \u0906\u0917\u093e\u092e\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917 \u091a\u0915\u094d\u0930 \u092e\u0947\u0902 \u0907\u0938 \u0916\u093e\u0924\u0947 \u0915\u094b \u0913\u0935\u0930\u0921\u094d\u092f\u0942 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0938\u093f\u092c\u093f\u0932 \u0915\u094b \u0928 \u092d\u0947\u091c\u093e \u091c\u093e\u090f\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u0911\u091f\u094b-\u0921\u0947\u092c\u093f\u091f (Auto-Debit) \u0938\u0915\u094d\u0930\u093f\u092f \u0915\u0930\u0947\u0902:<\/strong> \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u0910\u0938\u0940 \u092e\u093e\u0928\u0935\u0940\u092f \u092d\u0942\u0932\u094b\u0902 \u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0947 \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u0938\u0947 &#8216;\u0911\u091f\u094b-\u092a\u0947&#8217; (AutoPay) \u092f\u093e &#8216;NACH \u092e\u0948\u0902\u0921\u0947\u091f&#8217; \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u091a\u093e\u0932\u0942 \u0915\u0930 \u0932\u0947\u0902\u0964 \u0939\u092e\u0947\u0936\u093e &#8216;Total Amount Due&#8217; \u092a\u0930 \u0911\u091f\u094b-\u0921\u0947\u092c\u093f\u091f \u0938\u0947\u091f \u0915\u0930\u0947\u0902, \u0924\u093e\u0915\u093f \u20b91 \u0915\u093e \u092d\u0940 \u092c\u0915\u093e\u092f\u093e \u0928 \u091b\u0942\u091f\u0947\u0964<\/p>\n<\/li>\n<\/ul>\n<p>\u092a\u0948\u0938\u0947 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0915\u092d\u0940 \u092d\u0940 \u0915\u093f\u0938\u0940 \u0930\u0915\u092e \u0915\u094b \u091b\u094b\u091f\u093e \u0938\u092e\u091d\u0915\u0930 \u0928\u091c\u0930\u0905\u0902\u0926\u093e\u091c \u0928\u0939\u0940\u0902 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u0917\u0924 \u092e\u0947\u0902 \u0906\u092a\u0915\u093e \u20b9500 \u0915\u093e \u092c\u0915\u093e\u092f\u093e \u092d\u0932\u0947 \u0939\u0940 \u092c\u0948\u0902\u0915 \u0915\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0915\u0947 \u0932\u093f\u090f \u092e\u093e\u092e\u0942\u0932\u0940 \u0939\u094b, \u0932\u0947\u0915\u093f\u0928 \u0906\u092a\u0915\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0938\u093e\u0916 \u0914\u0930 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u090f\u0915 \u092c\u0939\u0941\u0924 \u092c\u0921\u093c\u093e \u0926\u093e\u0917 \u0938\u093e\u092c\u093f\u0924 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0938\u092e\u092f \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0921\u093f\u091c\u093f\u091f\u0932 \u0905\u0932\u0930\u094d\u091f\u094d\u0938 \u0939\u0940 \u0906\u092a\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0915\u094b \u0939\u092e\u0947\u0936\u093e 750+ \u0915\u0947 \u0938\u0941\u0928\u0939\u0930\u0947 \u0926\u093e\u092f\u0930\u0947 \u092e\u0947\u0902 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u093e \u090f\u0915\u092e\u093e\u0924\u094d\u0930 \u0905\u091a\u0942\u0915 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u0939\u0948\u0902\u0964<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0906\u091c \u0915\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u0914\u0930 \u0915\u0948\u0936\u0932\u0947\u0938 \u0926\u094c\u0930 \u092e\u0947\u0902 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0914\u0930 &#8216;\u092c\u093e\u092f \u0928\u093e\u0909 \u092a\u0947 \u0932\u0947\u091f\u0930&#8217; (BNPL) \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0906\u092e \u092c\u093e\u0924 \u0939\u094b \u091a\u0941\u0915\u093e \u0939\u0948\u0964 \u0936\u0949\u092a\u093f\u0902\u0917, \u092f\u0942\u091f\u093f\u0932\u093f\u091f\u0940 \u092c\u093f\u0932\u094b\u0902 \u0914\u0930 \u0911\u0928\u0932\u093e\u0907\u0928 \u092b\u0942\u0921 \u0921\u093f\u0932\u0940\u0935\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u0932\u094b\u0917 \u0927\u0921\u093c\u0932\u094d\u0932\u0947 \u0938\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0938\u094d\u0935\u093e\u0907\u092a \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0915\u093f\u0928 \u0905\u0915\u094d\u0938\u0930 \u0915\u0908 \u092c\u093e\u0930 \u0910\u0938\u093e \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u094b\u0908 \u092f\u0942\u091c\u0930 \u0905\u092a\u0928\u0947 \u092d\u093e\u0930\u0940-\u092d\u0930\u0915\u092e \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928&#8230;<\/p>\n","protected":false},"author":2,"featured_media":38505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[4],"tags":[40088,40103,40096,40083,40085,40086,40082,40093,40087,40092,40089,40084,40090,40094,40091,40095,40099,40106,40097,40098,40101,40102,40105,40100,40104],"class_list":["post-38504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-30-dpd-impact-on-cibil-score","tag-500----","tag-avoid-credit-card-late-fees-autopay","tag-can-500-rupees-late-payment-affect-cibil","tag-cibil-score-drop-reasons","tag-credit-card-late-payment-charges-hdfc-sbi-icici","tag-credit-score-impact-on-small-payment","tag-credit-utilisation-and-payment-history-weightage","tag-dpd-in-credit-report-meaning","tag-how-to-remove-late-payment-mark-from-cibil","tag-minimum-amount-due-credit-card-penalty","tag-rbi-credit-card-3-day-grace-period-rules","tag-rbi-master-direction-credit-card-late-fees","tag-transunion-cibil-dispute-resolution","tag-weekly-credit-score-reporting-rbi-2026","tag-why-cibil-score-drops-suddenly","tag--3---","tag-40106","tag--500-----","tag-40098","tag-40101","tag-40102","tag-40105","tag-40100","tag-40104"],"_links":{"self":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts\/38504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/comments?post=38504"}],"version-history":[{"count":0,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts\/38504\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/media\/38505"}],"wp:attachment":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/media?parent=38504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/categories?post=38504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/tags?post=38504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}