Cibil Score
Is your cibil score 0 or -1 ?
You
can make your cibil score active with any of the following ideas..
1. Buy a mobile or other
consumer durable in EMI with your PAN card . Convert into
minimum 6 emi's and after completing 3 emi's successfully , you will get active
cibil score i.e. 700+ cibil score.
2. You can also use your credit card
properly without any payment delay for 3 months, then your cibil score will
come to active from 0 or -1.
3. Take gold loan in any bank with your
PAN card and after 3 months of successful repayment to the bank, your cibil
score comes to active.
4. You can take 2 wheeler loan with
your PAN card in proper lender like banks and after 3 months of successful
repayment to the bank, your cibil score comes to active.
How to Increase your cibil score ?
1. Buy any consumer durable in EMI with
your PAN and complete the emi's successfully without any default.
2. You
can also use your credit card properly without any payment delay
3. Do not pay minimum due for the
credit card which will decrease your cibil score badly. Either make full
payment or convert it into emi's and pay emi's without fail.
How to check your cibil score ?
Please understand that checking cibil
score is not for free of cost
1. Log on to www.cibil.com or
myscore.cibil.com
2. Subscriptions like 1 Month, 6
Months & 1 Year will be available.
3. Create account by entering the
required details in the form.
4. Make the payment online for your
cibil report.
5. Do not trust the websites which says
Cibil Report is free.
Maintain Account balance while taking
loans
Your salary account statement tells
about you.
1. It is necessary to maintain above
Rs.1000 in your salary account while proceeding for any loan.
2. Your statement itself speaks about
your repayment capacity in loan processing. Maintaining a good balance in
salary account gives you quick approval of loans.
3. Make sure your account balance wont
go below Rs.1000 to avoid unnecessary loan rejection in terms of LESS APPSCORE.
Loan Eligibility
Loan eligibility is
subjected to the multiplier of the net salary. Multiplier differs from
different company categories.
Example:
If a person is working in
Cognizant which is Super Category A company, his multiplier is upto 22 times of
net salary.
For category A company, multiplier goes
upto 18 times.
For Category B & C companies,
multiplier goes upto 14-16 times only.
If your loan
eligibility is 4 lacs, and if you ask the executive to apply higher than 4 lacs
(like 6 lacs or 7 lacs), then it is bad appeal of loan and there is a
chance of your loan get rejected in terms of LOW APPSCORE.
Note: So,
please don't ask the bank executive to quote loan amount higher than your loan
eligibility. It is advisable to quote 50k to 70k higher than the loan
eligibility.
EMI deduction in the bank account
It is advisable to keep the EMI amount
in the bank account 24 hrs before the EMI date to avoid unnecessary Cheque
bounce. The bank will hit the EMI amount in your bank account from 7-10 A.M on
EMI Date.
Note : If a customer is not having EMI amount in
his account before 7-10 A.M and if he is depositing EMI amount at 11.30, Cheque
bounce will happen and a cheque bounce charge of Rs.600+ will be deducted from
the customer account by his bank.
CHEQUE
LEAVES:
Please keep your cheque
book of salary account when applying for loans.
Bank requires your cheque leaves, 2
days after your documents submission for loan credit and ECS purpose.
You can apply cheque book
either in ATM or in Branch. Cheque book reaches you quickly if you apply in
ATM, than applying via Branch.
AADHAAR UPDATE:
Updating AADHAAR
is very simple and you can visit nearest HDFC branch or AXIS branch with PAN
card and Driving license or voter id or passport.
PRESENT ADDRESS PROOF:
It is necessary to
keep present address proof while applying for loans. Your present address
should be in any of the following document,
1.Aadhaar
2.Driving license
3.Voter id
4.Passport
5.Gas bill with gas book copy and the
page contains entries.
6.Post paid bill
7.Credit card statement with front copy
of credit card.
8.House Agreement with EB bill.
9.HR Letter or Bonafide Letter.
10.Bank statement of salary or savings
account with present address.
Making
photo copies:
Please make clear front
and back copy of your ID & ADDRESS
Proof documents while applying for loans. If black and white copy doesn’t look
clear, please make colour copies because if your photo or signature is not clearly
visible in the copy, we can’t process the loan.
Important mail id's and Customer Care
No.
Dear customers,
kindly save the customer care nos and mail ids of major banks. If u want any
loan track , repayment schedule , loan insurance refund , to file a complaint ,
etc,.
HDFC BANK : 1800 266 4332
Insurance : service@hdfclife.com
Depository Services
: dphelp@hdfcbank.com
Retail Banking / ATM / Debit Cards / Mutual Fund :support@hdfcbank.com
Loans; Advances / Advance against shares: loansupport@hdfcbank.com
Credit Cards
: customerservices.cards@hdfcbank.com
AXIS BANK : 1860
419 5555
Mail
: loans@axisbank.com
ICICI
BANK: 1800 200 3344 / 1800 103
8181 / +91 22 2653 1414
TamilNadu 7305667777
Karnataka 08033667777 / 8088667777
Bangalore 08044455000
Chennai 04433667777 / 04444455000
Mumbai 02233667777 / 02244455000
headservicequality@icicibank.com
KOTAK MAHINDRA BANK : 1860
266 2666
CITI BANK : 1860
210 2484
YES BANK : 18002000
Mail : yestouch@yesbank.in.
RBL : 1800
121 9050
Mail :
customercare@rblbank.com
You can get a free consultation before proceeding for any loan.
Dear customer, feel free to contact me to
get your consultation before going for any loan to avoid unnecessary loan delay
or rejection.
Contact:
Nandhakumar T
+91 99941 22643
nandha.bankloans@gmail.com
Suggestion
Many customers encouraging my blog and asking me to
post the details in the blog regarding Rate offers, Tips for Loans, Tips
for Cibil score , etc,.
I request other customers also to give me
suggestions for this blog.
Thank you.
