Personal Loan Reject Kyon Hota Hai? Aaj ke time me Personal Loan sabse zyada apply kiya jaane wala loan hai. Shaadi, medical emergency, education, business ya purane loan ko close karne ke liye log personal loan ka sahara lete hain. Apply karna aasan hai, documents kam hote hain, aur approval bhi fast hota hai.
Lekin reality ye hai ki har 10 me se 4–5 logon ka personal loan reject ho jata hai.
Agar aapka bhi personal loan reject ho chuka hai ya aap apply karne ja rahe hain, to is article ko poora padhiye. Yahan hum bank insider level par wo 12 real reasons bata rahe hain, jo banks official rejection reason me kabhi clearly nahi batate.
Personal Loan Reject Hone Ka Matlab Kya Hota Hai?
Jab bank ya NBFC ko lagta hai ki applicant future me EMI time par pay nahi kar payega, to wo personal loan approve nahi karti. Is decision ke liye bank aapka CIBIL Score, income, job profile, existing loan, documents aur banking behaviour sab check karti hai.
Reason 1. Personal Loan Reject Kyon Hota Hai: Low CIBIL Score (Sabse Badi Wajah)
Personal loan approval ka base CIBIL Score hota hai.
- 750 ya usse zyada: Approval chances high
- 700–749: Medium chance
- 650–699: Risky
- 650 se niche: High rejection
Agar aapka CIBIL Score low hai, to kai banks aapki application branch level par aane se pehle hi reject kar deti hain.
Low score hone ke common reasons:
- EMI late payment
- Credit card ka minimum amount hi pay karna
- Zyada loan enquiries
- Settlement ya write-off history
Reason 2: Income Kam Ya Stable Nahi Hona
Personal loan unsecured hota hai, isliye bank ke liye stable income sabse important hoti hai.
Bank usually ye check karti hai:
- Monthly income kitni hai
- Salary regular bank account me aa rahi hai ya nahi
- Cash salary ya account transfer
Aksar cash salary wale applicants ka loan reject ho jata hai kyunki income proof strong nahi hota.
Reason 3: Job Stability Kam Hona
Agar aap bar-bar job change karte hain, to bank ko lagta hai ki aapki income stable nahi hai.
General guideline:
- Current company me kam se kam 12 mahine
- Total work experience 2 saal ya usse zyada
6–8 mahine me job change karne wale log high risk category me aa jate hain.
Reason 4: Zyada Existing Loan Aur EMI Burden
Bank FOIR (Fixed Obligation to Income Ratio) calculate karti hai.
Simple language me:
Agar aapki monthly income ka 50–60% pehle se hi EMI me ja raha hai, to naya personal loan approve nahi hota.
Example:
- Monthly salary: ₹30,000
- Existing EMI: ₹18,000
Is case me new loan reject hone ke chances bahut high hote hain.
Reason 5: Credit Card Limit Ka Zyada Use
Agar aap apne credit card ki limit ka 80–90% use kar rahe hain, to bank ko lagta hai ki aap already financial pressure me hain.
Chahe aap EMI time par bhar rahe ho, phir bhi high credit utilisation personal loan rejection ka strong reason hota hai.
Ideal utilisation 30–40% ke andar honi chahiye.
Reason 6: Bahut Zyada Loan Enquiries Karna
Kai log ek saath 5–6 banks me apply kar dete hain. Ye ek badi galti hai.
Bank ke system me:
- 1–2 enquiries normal
- 3–4 enquiries warning
- 5+ enquiries = desperate borrower
Har enquiry aapke CIBIL Score par negative impact dalti hai.
Reason 7: Company Bank Ki Approved List Me Nahi Hona
Banks ke paas approved employer list hoti hai.
- Government job / PSU / reputed MNC: Easy approval
- Medium private company: Manual verification
- Small ya unknown company: High rejection
Same salary hone ke baad bhi company ka naam approval me role play karta hai.
Reason 8: Documents Ya Address Mismatch
Chhoti si galti bhi loan reject karwa sakti hai.
Common issues:
- Aadhaar aur PAN me alag address
- Name spelling mismatch
- Old address use karna
System verification fail hote hi application reject ho jati hai.
Reason 9: Negative Credit History (Settlement / Write-Off)
Agar aapne pehle:
- Loan settlement kiya hai
- Credit card write-off hua hai
to chahe wo 4–5 saal purana ho, bank ke record me wo negative history ke roop me dikhata hai aur personal loan reject ho jata hai.
Reason 10: Age Criteria Match Nahi Karna
Personal loan ke liye age bhi important hoti hai.
- Minimum age: 21–23 years
- Maximum age (loan end par): 58–60 years
Agar aap retirement ke kareeb hain, to bank long tenure loan dene se bachti hai.
Reason 11: Field Verification Fail Hona
Bank sirf documents hi nahi, balki physical verification bhi karti hai.
- Office band mila
- Applicant available nahi tha
- Neighbour ya security se wrong information
Is situation me loan direct reject ho jata hai.
Reason 12: Banking Behaviour Weak Hona
Ye reason bank kabhi officially nahi batati.
Bank secretly ye dekhti hai:
- Account me minimum balance
- Salary aate hi poora paisa nikal jana
- Frequent low balance ya bounce history
Aisa pattern dekh kar bank ko lagta hai ki applicant EMI manage nahi kar payega.
Personal Loan Approval Chances Kaise Badhaye?
- CIBIL Score 750+ maintain kare
- EMI aur income ka balance rakhe
- Job change ke turant baad loan apply na kare
- Sirf 1–2 trusted banks me hi apply kare
- Credit card usage control me rakhe
- Documents aur address 100% match kare
Agar aap apna credit score improve karna chahte hain, to is detailed guide ko bhi padhiye:
👉 https://www.sarkaribihari.com/cibil-score-kaise-badhaye/
PMEGP loan se related latest banking updates ke liye aap ye article bhi dekh sakte hain:
👉 https://www.sarkaribihari.com/pmegp-loan-2026-apply-online-full-details/
External Reference (Authentic Source)
Credit score aur loan behaviour ko samajhne ke liye aap official credit bureau ki website bhi dekh sakte hain:
https://www.cibil.com
Banking awareness aur financial education ke liye RBI ka official portal:
https://www.rbi.org.in
Conclusion
Personal loan reject hone ka matlab ye nahi hai ki aap loan ke layak nahi hain. Iska matlab sirf itna hai ki aapki current profile bank ke risk criteria se match nahi kar rahi.
Agar aap upar bataye gaye 12 real reasons ko samajh kar apni income, credit score aur banking behaviour improve kar lete hain, to agle 3–6 mahine me personal loan approve hone ke chances kaafi badh jaate hain.
Is article ko share kariye un logon ke saath jinka personal loan bar-bar reject ho raha hai, taki wo bhi sahi reason samajh kar apni profile sudhaar saken.
