A low or patchy credit score often rings alarm bells. Keep it healthy by paying EMIs and credit card bills on time. Consistency matters more than perfection.
If your income doesn’t align with your loan amount, lenders worry about repayment. Borrow what you can comfortably manage; it shows financial maturity.
Applying everywhere at once can hurt your chances. Each check leaves a trace on your credit record. Apply smart, not often.
Frequent job switches or gaps can make lenders cautious. A steady track record builds trust, showing you’re reliable and rooted.
Sometimes, it’s just incomplete documents or incorrect info. Double-check everything, from PAN to payslips, before hitting submit.