Reserve Bank of India (RBI) ne July 1, 2026 se weekly credit reporting ka rule laagu kar diya hai. Ab aapke loan applications aur EMI payments ka record pehle se kahi zyada tezi se aapke CIBIL score mein update hoga.
Ab CIBIL score badlega speed se!
RBI ke naye mandate ke hisaab se, ab banks aur NBFCs ko har mahine ki 9th, 16th, 23rd, aur mahine ki last date ko data update karna hoga. Iska matlab hai ki ab koi bhi choti galti ya naya loan aapke profile mein turant reflect hoga.
Naye Loan ka impact
Jab aap naya loan apply karte hain, toh lender 'hard enquiry' karta hai. Is wajah se aapka score 5 se 10 points tak drop ho sakta hai. Pehle ye update hone mein time lagta tha, lekin ab system mein ye changes bahut fast dikhenge.
EMI miss hone ka khatra
Ab tak EMI miss hone par report mein reflect hone mein time lagta tha, par ab aisa nahi hai. Ek din ki deri bhi aapke record mein jaldi negative mark la sakti hai. Isliye, disciplined rehna ab option nahi, zaroorat ban chuki hai.
Multiple Applications ka risk
Agar aapne kam time mein bahut saare loans ke liye apply kiya, toh aapka score tezi se gir sakta hai. Bureaus ab data jaldi process kar rahe hain, isliye baar-baar credit check karwane se bachein. Apne financial profile ko monitor karte rahein aur time par loan close karein taaki aapka score hamesha healthy rahe.