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Debt Settlement

A bad CIBIL score for personal loan purposes is generally any score below 650 on the 300 to 900 scale. It signals to lenders that past repayments were missed, credit was overused, or defaults occurred. Getting a personal loan is still possible, but it comes with real costs: higher interest rates, smaller loan amounts, stricter documentation, and the risk of making an already difficult situation harder. This guide walks through your actual options and when not to borrow.

By Mohit Juneja | 10 July 2026

Debt Settlement

A loan EMI moratorium is a lender-approved pause on your Equated Monthly Instalment (EMI) payments for a fixed period, typically 1 to 6 months. You stop making payments, but your loan does not stop. Interest keeps building on the outstanding principal throughout the pause. When the moratorium ends, your EMI increases or your loan tenure extends, or both. It is a deferment, not a waiver.

By Mohit Juneja | 10 July 2026

Debt Settlement

A zero CIBIL score is not a bad score. It means TransUnion CIBIL has no data to calculate one. The bureau shows this as NH (No History) or NA (Not Applicable). You have not borrowed before, so lenders have little or no repayment history to assess.Several loan apps in India are built for exactly this profile: they check income, bank statements, and repayment capacity instead of a CIBIL score. But not all of them are safe.

By Mohit Juneja | 10 July 2026