{"id":40574,"date":"2026-09-21T01:35:18","date_gmt":"2026-09-20T20:05:18","guid":{"rendered":"https:\/\/petrolnews.in\/live\/%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a5%87%e0%a4%a1%e0%a4%bf%e0%a4%9f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%a1-%e0%a4%95%e0%a4%be-30-%e0%a4%b5%e0%a4%be%e0%a4%b2%e0%a4%be-%e0%a4%a8%e0%a4%bf%e0%a4%af\/"},"modified":"2026-09-21T01:35:18","modified_gmt":"2026-09-20T20:05:18","slug":"%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a5%87%e0%a4%a1%e0%a4%bf%e0%a4%9f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%a1-%e0%a4%95%e0%a4%be-30-%e0%a4%b5%e0%a4%be%e0%a4%b2%e0%a4%be-%e0%a4%a8%e0%a4%bf%e0%a4%af","status":"publish","type":"post","link":"https:\/\/petrolnews.in\/live\/%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a5%87%e0%a4%a1%e0%a4%bf%e0%a4%9f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%a1-%e0%a4%95%e0%a4%be-30-%e0%a4%b5%e0%a4%be%e0%a4%b2%e0%a4%be-%e0%a4%a8%e0%a4%bf%e0%a4%af\/","title":{"rendered":"\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e 30% \u0935\u093e\u0932\u093e \u0928\u093f\u092f\u092e: \u0938\u092e\u092f \u092a\u0930 \u092c\u093f\u0932 \u092d\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u0915\u094d\u092f\u094b\u0902 \u0917\u093f\u0930\u0924\u093e \u0939\u0948 CIBIL? \u0938\u092e\u091d\u0947\u0902 \u092a\u0942\u0930\u093e \u0917\u0923\u093f\u0924"},"content":{"rendered":"

<\/p>\n

\n

\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0924\u0947 \u0938\u092e\u092f \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0932\u094b\u0917 \u0915\u0947\u0935\u0932 \u090f\u0915 \u0939\u0940 \u092c\u093e\u0924 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u2014\u092c\u093f\u0932 \u0915\u0940 \u0906\u0916\u093f\u0930\u0940 \u0924\u093e\u0930\u0940\u0916 (Due Date) \u0938\u0947 \u092a\u0939\u0932\u0947 \u092a\u0942\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u093e\u0964 \u092c\u0939\u0941\u0924 \u0938\u0947 \u0915\u093e\u0930\u094d\u0921\u0927\u093e\u0930\u0915 \u092f\u0939 \u092e\u093e\u0928\u0915\u0930 \u091a\u0932\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u092f\u0926\u093f \u0935\u0947 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e 100% \u092c\u093f\u0932 \u0938\u092e\u092f \u092a\u0930 \u092d\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u0909\u0928\u0915\u093e \u0938\u093f\u092c\u093f\u0932 (CIBIL) \u0938\u094d\u0915\u094b\u0930 \u0939\u092e\u0947\u0936\u093e \u092e\u091c\u092c\u0942\u0924 \u0930\u0939\u0947\u0917\u093e\u0964 \u0932\u0947\u0915\u093f\u0928 \u091c\u092c \u0905\u091a\u093e\u0928\u0915 \u0932\u094b\u0928 \u092f\u093e \u0928\u090f \u0915\u093e\u0930\u094d\u0921 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0924\u0947 \u0938\u092e\u092f \u0909\u0928\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0917\u093f\u0930\u093e \u0939\u0941\u0906 \u0926\u093f\u0916\u0924\u093e \u0939\u0948, \u0924\u094b \u0935\u0947 \u0939\u0948\u0930\u093e\u0928 \u0930\u0939 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n

\u0907\u0938 \u0905\u0928\u091a\u093e\u0939\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0915\u0947 \u092a\u0940\u091b\u0947 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0915\u093e\u0930\u0923 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e 30% \u0935\u093e\u0932\u093e \u0928\u093f\u092f\u092e, \u091c\u093f\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092d\u093e\u0937\u093e \u092e\u0947\u0902 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 \u0930\u0947\u0936\u093f\u092f\u094b (Credit Utilization Ratio – CUR) \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u092e\u0949\u0921\u0932 \u092e\u0947\u0902 \u092f\u0939 \u0928\u093f\u092f\u092e \u0938\u0940\u0927\u0947 \u0924\u094c\u0930 \u092a\u0930 \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a \u0915\u0930\u094d\u091c \u092a\u0930 \u0915\u093f\u0924\u0928\u0947 \u0928\u093f\u0930\u094d\u092d\u0930 \u0939\u0948\u0902\u0964<\/p>\n

\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 \u0930\u0947\u0936\u093f\u092f\u094b \u0915\u093e \u0938\u0940\u0927\u093e \u0905\u0930\u094d\u0925 \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u092e\u093f\u0932\u0940 \u0915\u0941\u0932 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u092e\u0947\u0902 \u0938\u0947 \u0906\u092a \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u093f\u0924\u0928\u0947 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0938\u0940\u092e\u093e \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u0947\u091f\u093f\u0902\u0917 \u090f\u091c\u0947\u0902\u0938\u093f\u092f\u093e\u0902 (\u091c\u0948\u0938\u0947 TransUnion CIBIL, Experian, CRIF High Mark) \u0907\u0938\u0947 \u0906\u092a\u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0915\u093e \u092a\u094d\u0930\u092e\u0941\u0916 \u092a\u0948\u092e\u093e\u0928\u093e \u092e\u093e\u0928\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n

\u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0915\u093e \u0938\u094d\u0935\u0930\u094d\u0923\u093f\u092e \u0928\u093f\u092f\u092e \u0915\u0939\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u092e\u0947\u0902 \u0906\u092a\u0915\u0947 \u0915\u093e\u0930\u094d\u0921 \u0915\u093e \u092e\u093e\u0938\u093f\u0915 \u0916\u0930\u094d\u091a \u0906\u092a\u0915\u0940 \u0915\u0941\u0932 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u0915\u0947 30 \u092b\u0940\u0938\u0926\u0940 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f<\/strong>\u0964<\/p>\n

\u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u20b91,00,000 \u0939\u0948 \u0914\u0930 \u0906\u092a \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u20b970,000 \u0938\u0947 \u20b980,000 \u0916\u0930\u094d\u091a \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u092d\u0932\u0947 \u0939\u0940 \u0906\u092a \u092c\u093f\u0932 \u0906\u0928\u0947 \u092a\u0930 \u092a\u0942\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930 \u0926\u0947\u0902, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u0940 \u0928\u091c\u0930 \u092e\u0947\u0902 \u0906\u092a\u0915\u093e CUR 70% \u0938\u0947 80% \u0926\u0930\u094d\u091c \u0939\u094b\u0917\u093e\u0964 \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0932\u093f\u092e\u093f\u091f \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0928\u093e \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u093f\u0938\u094d\u091f\u092e \u092e\u0947\u0902 ‘\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0939\u0902\u0917\u094d\u0930\u0940’ (Credit Hungry)<\/strong> \u092f\u093e\u0928\u0940 \u092a\u0948\u0938\u0947 \u0915\u0940 \u0924\u0902\u0917\u0940 \u0914\u0930 \u0915\u0930\u094d\u091c \u092a\u0930 \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0915\u093e \u0938\u0902\u0915\u0947\u0924 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0938\u094d\u0915\u094b\u0930 20 \u0938\u0947 50 \u0905\u0902\u0915 \u0924\u0915 \u0928\u0940\u091a\u0947 \u0916\u093f\u0938\u0915 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n

\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 \u0930\u0947\u0936\u093f\u092f\u094b \u0915\u0940 \u0917\u0923\u0928\u093e \u0926\u094b \u0938\u094d\u0924\u0930\u094b\u0902 \u092a\u0930 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u2014\u092a\u094d\u0930\u0924\u093f \u0915\u093e\u0930\u094d\u0921 (Per-Card CUR) \u0914\u0930 \u0915\u0941\u0932 \u0932\u093f\u092e\u093f\u091f (Aggregate CUR)\u0964 \u0907\u0938\u0947 \u0926\u094b \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0909\u0926\u093e\u0939\u0930\u0923\u094b\u0902 \u0938\u0947 \u0938\u092e\u091d\u0947\u0902:<\/p>\n

\u0909\u0926\u093e\u0939\u0930\u0923 1: \u0938\u093f\u0902\u0917\u0932 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921<\/h3>\n
    \n
  • \n

    \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0915\u0941\u0932 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f:<\/strong> \u20b91,00,000<\/p>\n<\/li>\n

  • \n

    30% \u0915\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0938\u0940\u092e\u093e:<\/strong> \u20b930,000<\/p>\n<\/li>\n

  • \n

    \u092f\u0926\u093f \u092e\u093e\u0938\u093f\u0915 \u0916\u0930\u094d\u091a \u20b925,000 \u0930\u0939\u093e:<\/strong><\/p>\n

    $$\\text{CUR} = \\left(\\frac{25,000}{1,00,000}\\right) \\times 100 = 25\\% \\quad \\text{(\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 – CIBIL \u092c\u0922\u093c\u0947\u0917\u093e)}$$<\/p>\n<\/li>\n

  • \n

    \u092f\u0926\u093f \u092e\u093e\u0938\u093f\u0915 \u0916\u0930\u094d\u091a \u20b975,000 \u0930\u0939\u093e:<\/strong><\/p>\n

    $$\\text{CUR} = \\left(\\frac{75,000}{1,00,000}\\right) \\times 100 = 75\\% \\quad \\text{(\u0916\u0924\u0930\u0928\u093e\u0915 – CIBIL \u0917\u093f\u0930\u0947\u0917\u093e)}$$<\/p>\n<\/li>\n<\/ul>\n

    \u0909\u0926\u093e\u0939\u0930\u0923 2: \u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 3 \u0905\u0932\u0917-\u0905\u0932\u0917 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0939\u0948\u0902<\/h3>\n

    \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0906\u092a\u0915\u0947 \u0938\u092d\u0940 \u0938\u0915\u094d\u0930\u093f\u092f \u0915\u093e\u0930\u094d\u0921\u094b\u0902 \u0915\u0940 \u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0938\u0940\u092e\u093e \u0915\u094b \u091c\u094b\u0921\u093c\u0915\u0930 \u092d\u0940 \u0938\u092e\u0917\u094d\u0930 \u0905\u0928\u0941\u092a\u093e\u0924 \u0926\u0947\u0916\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n\n\n\n\n\n
    \u0915\u093e\u0930\u094d\u0921<\/strong><\/td>\n\u092c\u0948\u0902\u0915<\/strong><\/td>\n\u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0932\u093f\u092e\u093f\u091f<\/strong><\/td>\n\u092e\u093e\u0938\u093f\u0915 \u0909\u092a\u092f\u094b\u0917 (\u0916\u0930\u094d\u091a)<\/strong><\/td>\n\u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 (%)<\/strong><\/td>\n\u0938\u094d\u0925\u093f\u0924\u093f<\/strong><\/td>\n<\/tr>\n<\/thead>\n
    \u0915\u093e\u0930\u094d\u0921 A<\/strong><\/td>\nHDFC Bank<\/td>\n\u20b91,50,000<\/td>\n\u20b930,000<\/td>\n20%<\/td>\n\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924<\/td>\n<\/tr>\n
    \u0915\u093e\u0930\u094d\u0921 B<\/strong><\/td>\nICICI Bank<\/td>\n\u20b91,00,000<\/td>\n\u20b925,000<\/td>\n25%<\/td>\n\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924<\/td>\n<\/tr>\n
    \u0915\u093e\u0930\u094d\u0921 C<\/strong><\/td>\nSBI Card<\/td>\n\u20b950,000<\/td>\n\u20b940,000<\/td>\n80%<\/td>\n\u0905\u0924\u094d\u092f\u0927\u093f\u0915 (\u0930\u0947\u0921 \u092b\u094d\u0932\u0948\u0917)<\/strong><\/td>\n<\/tr>\n
    \u0915\u0941\u0932 \u092f\u094b\u0917<\/strong><\/td>\n\u2014<\/td>\n\u20b93,00,000<\/strong><\/td>\n\u20b995,000<\/strong><\/td>\n31.6%<\/strong><\/td>\n\u0938\u0940\u092e\u093e \u0915\u0947 \u0915\u0930\u0940\u092c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    \u092f\u0939\u093e\u0901 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u092c\u093e\u0924 \u092f\u0939 \u0939\u0948 \u0915\u093f \u092d\u0932\u0947 \u0939\u0940 \u0915\u0941\u0932 \u092e\u093f\u0932\u093e\u0915\u0930 \u0916\u0930\u094d\u091a \u0932\u0917\u092d\u0917 31% \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0905\u0915\u0947\u0932\u0947 ‘\u0915\u093e\u0930\u094d\u0921 C’ \u092a\u0930 80% \u0915\u093e \u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 \u0909\u0938 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0916\u093e\u0924\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u0938\u0902\u0915\u0947\u0924 \u092a\u0948\u0926\u093e \u0915\u0930 \u0926\u0947\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0915\u093e\u0930\u094d\u0921 \u092a\u0930 \u0905\u0932\u0917-\u0905\u0932\u0917 30% \u0915\u0940 \u0938\u0940\u092e\u093e \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0928\u093e \u0938\u092c\u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0939\u0924\u093e \u0939\u0948\u0964<\/p>\n

    \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0907\u0938\u0940 \u0924\u0915\u0928\u0940\u0915\u0940 \u092c\u093f\u0902\u0926\u0941 \u092a\u0930 \u092e\u093e\u0924 \u0916\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0932\u0917\u0924\u093e \u0939\u0948 \u0915\u093f \u092a\u0947\u092e\u0947\u0902\u091f \u0921\u094d\u092f\u0942 \u0921\u0947\u091f \u092a\u0930 \u092a\u0942\u0930\u093e \u092a\u0948\u0938\u093e \u091a\u0941\u0915\u093e \u0926\u093f\u092f\u093e, \u0924\u094b CIBIL \u092e\u0947\u0902 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0942\u0928\u094d\u092f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0939\u094b\u0917\u093e\u0964 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915\u0924\u093e \u0907\u0938\u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924 \u0939\u0948:<\/p>\n

      \n
    1. \n

      \u092c\u0948\u0902\u0915 \u0921\u0947\u091f\u093e \u0915\u092c \u092d\u0947\u091c\u0924\u0947 \u0939\u0948\u0902?<\/strong> \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u093e \u092c\u0915\u093e\u092f\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u092a\u0947\u092e\u0947\u0902\u091f \u0915\u0940 \u0906\u0916\u093f\u0930\u0940 \u0924\u093e\u0930\u0940\u0916 \u092a\u0930 \u0928\u0939\u0940\u0902, \u092c\u0932\u094d\u0915\u093f \u092c\u093f\u0932\u093f\u0902\u0917 \u0938\u093e\u0907\u0915\u093f\u0932 (Statement Generation Date)<\/strong> \u0915\u0947 \u0926\u093f\u0928 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0909\u0938\u0947 \u0938\u093f\u092c\u093f\u0932 \u0915\u094b \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<\/li>\n

    2. \n

      \u0917\u0932\u0924\u0940 \u0915\u093e \u0909\u0926\u093e\u0939\u0930\u0923:<\/strong> \u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u0906\u092a\u0915\u0940 \u0932\u093f\u092e\u093f\u091f \u20b91,00,000 \u0939\u0948\u0964 \u0906\u092a\u0915\u093e \u092c\u093f\u0932 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 20 \u0924\u093e\u0930\u0940\u0916 \u0915\u094b \u092c\u0928\u0924\u093e \u0939\u0948 \u0914\u0930 \u0921\u094d\u092f\u0942 \u0921\u0947\u091f \u0905\u0917\u0932\u0947 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 8 \u0924\u093e\u0930\u0940\u0916 \u0939\u0948\u0964 \u092f\u0926\u093f 19 \u0924\u093e\u0930\u0940\u0916 \u0924\u0915 \u0906\u092a\u0928\u0947 \u0915\u093e\u0930\u094d\u0921 \u0938\u0947 \u20b985,000 \u0916\u0930\u094d\u091a \u0915\u0930 \u0932\u093f\u090f, \u0924\u094b 20 \u0924\u093e\u0930\u0940\u0916 \u0915\u094b \u092c\u0928\u093e \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f \u20b985,000 \u0915\u093e \u0926\u093f\u0916\u0947\u0917\u093e\u0964 \u092c\u0948\u0902\u0915 \u0924\u0941\u0930\u0902\u0924 CIBIL \u0915\u094b \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092d\u0947\u091c \u0926\u0947\u0917\u093e \u0915\u093f \u0907\u0938 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u093e \u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 85% \u0939\u0948\u0964 \u092d\u0932\u0947 \u0939\u0940 \u0906\u092a 25 \u0924\u093e\u0930\u0940\u0916 \u0915\u094b \u092a\u0942\u0930\u093e \u20b985,000 \u092d\u0930 \u0926\u0947\u0902, \u0909\u0938 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u092e\u0947\u0902 \u0906\u092a\u0915\u093e CUR 85% \u0926\u0930\u094d\u091c \u0939\u094b \u091a\u0941\u0915\u093e \u0939\u094b\u0917\u093e\u0964<\/p>\n<\/li>\n<\/ol>\n

      \u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u0916\u0930\u094d\u091a\u0947 \u0905\u0927\u093f\u0915 \u0939\u0948\u0902 \u0914\u0930 \u0932\u093f\u092e\u093f\u091f \u0915\u092e \u0939\u0948, \u0924\u094b \u0907\u0928 \u0930\u0923\u0928\u0940\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u093e\u0915\u0930 \u0906\u092a \u0905\u092a\u0928\u0947 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902:<\/p>\n

        \n
      1. \n

        \u092c\u093f\u0932 \u092c\u0928\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0915\u0930\u0947\u0902 \u0906\u0902\u0936\u093f\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 (Pre-Payment Technique):<\/strong> \u092f\u0926\u093f \u0915\u093f\u0938\u0940 \u092e\u0939\u0940\u0928\u0947 \u092c\u0921\u093c\u093e \u0918\u0930\u0947\u0932\u0942 \u0938\u093e\u092e\u093e\u0928, \u092f\u093e\u0924\u094d\u0930\u093e \u092f\u093e \u0917\u0948\u091c\u0947\u091f \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0906\u092a\u0915\u093e \u0916\u0930\u094d\u091a 30% \u0915\u0940 \u0938\u0940\u092e\u093e \u092a\u093e\u0930 \u0915\u0930 \u0930\u0939\u093e \u0939\u0948, \u0924\u094b \u092c\u093f\u0932\u093f\u0902\u0917 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 2-3 \u0926\u093f\u0928 \u092a\u0939\u0932\u0947 \u0939\u0940 50% \u0938\u0947 60% \u0930\u093e\u0936\u093f \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u092a\u0928\u0947 \u0928\u0947\u091f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092f\u093e \u092f\u0942\u092a\u0940\u0906\u0908 \u0938\u0947 \u0915\u0930 \u0926\u0947\u0902\u0964 \u0907\u0938\u0938\u0947 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f \u0915\u0947\u0935\u0932 \u092c\u091a\u0940 \u0939\u0941\u0908 \u0915\u092e \u0930\u093e\u0936\u093f \u0915\u093e \u092c\u0928\u0947\u0917\u093e \u0914\u0930 \u092c\u094d\u092f\u0942\u0930\u094b \u0915\u094b 30% \u0938\u0947 \u0915\u092e \u0915\u093e CUR \u0939\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0939\u094b\u0917\u093e\u0964<\/p>\n<\/li>\n

      2. \n

        \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u093e \u0905\u0928\u0941\u0930\u094b\u0927 \u0915\u0930\u0947\u0902:<\/strong> \u0905\u092a\u0928\u0947 \u092e\u094c\u091c\u0942\u0926\u093e \u092c\u0948\u0902\u0915 \u0938\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u092c\u0922\u093c\u093e\u0928\u0947 (Limit Enhancement) \u0915\u0940 \u092e\u093e\u0902\u0917 \u0915\u0930\u0947\u0902\u0964 \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0932\u093f\u092e\u093f\u091f \u20b91,00,000 \u0938\u0947 \u092c\u0922\u093c\u0915\u0930 \u20b92,00,000 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u094b \u20b940,000 \u0915\u093e \u0916\u0930\u094d\u091a \u092a\u0939\u0932\u0947 \u0915\u0947 40% \u0915\u0947 \u092e\u0941\u0915\u093e\u092c\u0932\u0947 \u0918\u091f\u0915\u0930 \u0938\u094d\u0935\u0924\u0903 \u092e\u093e\u0924\u094d\u0930 20% \u0930\u0939 \u091c\u093e\u090f\u0917\u093e, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u092e\u091c\u092c\u0942\u0924 \u092c\u0928\u093e \u0930\u0939\u0947\u0917\u093e\u0964<\/p>\n<\/li>\n

      3. \n

        \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u090f\u0915\u093e\u0927\u093f\u0915 \u0915\u093e\u0930\u094d\u0921\u094b\u0902 \u092e\u0947\u0902 \u092c\u093e\u0902\u091f\u0947\u0902:<\/strong> \u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0926\u094b \u092f\u093e \u0924\u0940\u0928 \u0915\u093e\u0930\u094d\u0921 \u0939\u0948\u0902, \u0924\u094b \u0938\u093e\u0930\u093e \u0916\u0930\u094d\u091a \u090f\u0915 \u0939\u0940 \u0915\u093e\u0930\u094d\u0921 \u092a\u0930 \u0932\u094b\u0921 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u091c\u093e\u092f \u0905\u0932\u0917-\u0905\u0932\u0917 \u0915\u093e\u0930\u094d\u0921\u094b\u0902 \u092a\u0930 15-20% \u0915\u0947 \u0905\u0928\u0941\u092a\u093e\u0924 \u092e\u0947\u0902 \u0935\u093f\u092d\u093e\u091c\u093f\u0924 \u0915\u0930\u0947\u0902\u0964<\/p>\n<\/li>\n

      4. \n

        \u092a\u0941\u0930\u093e\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u094b \u0915\u092d\u0940 \u092c\u0902\u0926 \u0928 \u0915\u0930\u0947\u0902:<\/strong> \u0915\u0908 \u0932\u094b\u0917 \u0928\u092f\u093e \u0915\u093e\u0930\u094d\u0921 \u092e\u093f\u0932\u0928\u0947 \u092a\u0930 \u092a\u0941\u0930\u093e\u0928\u093e \u0915\u093e\u0930\u094d\u0921 \u092c\u0902\u0926 \u0915\u0930\u093e \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u0910\u0938\u093e \u0915\u0930\u0928\u0947 \u0938\u0947 \u0906\u092a\u0915\u0940 \u0915\u0941\u0932 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u0918\u091f \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0936\u0947\u0937 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u093e \u0938\u092e\u0917\u094d\u0930 \u0905\u0928\u0941\u092a\u093e\u0924 (CUR) \u0905\u091a\u093e\u0928\u0915 \u092c\u0922\u093c \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092a\u0941\u0930\u093e\u0928\u0947 \u0915\u093e\u0930\u094d\u0921 \u0915\u094b \u0938\u0915\u094d\u0930\u093f\u092f \u0930\u0916\u0915\u0930 \u0915\u0947\u0935\u0932 \u091b\u094b\u091f\u0947-\u092e\u094b\u091f\u0947 \u0938\u092c\u094d\u0938\u0915\u094d\u0930\u093f\u092a\u094d\u0936\u0928 \u092f\u093e \u092c\u093f\u0932 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0947\u0902\u0964<\/p>\n<\/li>\n<\/ol>\n

        \u092e\u0947\u0921\u093f\u0915\u0932 \u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092f\u093e \u0936\u093e\u0926\u0940-\u0935\u093f\u0935\u093e\u0939 \u091c\u0948\u0938\u0947 \u0905\u0935\u0938\u0930\u094b\u0902 \u092a\u0930 \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 80% \u0938\u0947 90% \u0932\u093f\u092e\u093f\u091f \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0928\u093e \u092e\u091c\u092c\u0942\u0930\u0940 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0910\u0938\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u092e\u0947\u0902 \u0918\u092c\u0930\u093e\u0928\u0947 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u091c\u0948\u0938\u0947 \u0939\u0940 \u0938\u0902\u0915\u091f \u091f\u0932\u0947, \u0905\u0917\u0932\u0947 1 \u0938\u0947 2 \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u0947 \u092d\u0940\u0924\u0930 \u092c\u0921\u093c\u0947 \u0939\u093f\u0938\u094d\u0938\u0947 \u0915\u093e \u092a\u094d\u0930\u0940-\u092a\u0947\u092e\u0947\u0902\u091f \u0915\u0930\u0915\u0947 \u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 \u0915\u094b \u0935\u093e\u092a\u0938 20-30% \u0915\u0947 \u0926\u093e\u092f\u0930\u0947 \u092e\u0947\u0902 \u0932\u0947 \u0906\u090f\u0902\u0964<\/p>\n

        \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u091f\u093f\u0932\u093e\u0907\u091c\u0947\u0936\u0928 \u0930\u0947\u0936\u093f\u092f\u094b \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u0917\u0924\u093f\u0936\u0940\u0932 (Dynamic) \u0939\u094b\u0924\u093e \u0939\u0948\u2014\u091c\u0948\u0938\u0947 \u0939\u0940 \u0905\u0917\u0932\u0947 \u092c\u093f\u0932\u093f\u0902\u0917 \u091a\u0915\u094d\u0930 \u092e\u0947\u0902 \u0906\u092a\u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u092e \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0939\u094b\u0917\u093e, \u0906\u092a\u0915\u093e CIBIL \u0938\u094d\u0915\u094b\u0930 \u0905\u0917\u0932\u0947 30 \u0938\u0947 60 \u0926\u093f\u0928\u094b\u0902 \u092e\u0947\u0902 \u0926\u094b\u092c\u093e\u0930\u093e \u0924\u0947\u091c\u0940 \u0938\u0947 \u0930\u093f\u0915\u0935\u0930 \u0915\u0930 \u091c\u093e\u090f\u0917\u093e\u0964<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

        \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0924\u0947 \u0938\u092e\u092f \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0932\u094b\u0917 \u0915\u0947\u0935\u0932 \u090f\u0915 \u0939\u0940 \u092c\u093e\u0924 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u2014\u092c\u093f\u0932 \u0915\u0940 \u0906\u0916\u093f\u0930\u0940 \u0924\u093e\u0930\u0940\u0916 (Due Date) \u0938\u0947 \u092a\u0939\u0932\u0947 \u092a\u0942\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u093e\u0964 \u092c\u0939\u0941\u0924 \u0938\u0947 \u0915\u093e\u0930\u094d\u0921\u0927\u093e\u0930\u0915 \u092f\u0939 \u092e\u093e\u0928\u0915\u0930 \u091a\u0932\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u092f\u0926\u093f \u0935\u0947 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e 100% \u092c\u093f\u0932 \u0938\u092e\u092f \u092a\u0930 \u092d\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u0909\u0928\u0915\u093e \u0938\u093f\u092c\u093f\u0932 (CIBIL) \u0938\u094d\u0915\u094b\u0930 \u0939\u092e\u0947\u0936\u093e…<\/p>\n","protected":false},"author":2,"featured_media":40575,"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":[46966,46968,46957,46961,46965,46962,46964,46967,46963,46953,46958,46956,46954,46959,46960,46955],"class_list":["post-40574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-best-credit-utilization-ratio-for-750-cibil","tag-cibil-score-repair-tips-2026","tag-cibil----","tag-credit-card-30-percent-rule","tag-credit-card-statement-date-vs-due-date","tag-credit-utilization-ratio-calculation","tag-how-to-improve-cibil-score-quickly","tag-pre-payment-credit-card-balance-strategy","tag-why-cibil-score-drops-despite-full-payment","tag---30--","tag-46958","tag----cibil--","tag-46954","tag---750--","tag-46955"],"_links":{"self":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts\/40574","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=40574"}],"version-history":[{"count":0,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts\/40574\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/media\/40575"}],"wp:attachment":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/media?parent=40574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/categories?post=40574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/tags?post=40574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}