Important: This guide is general information, not a lender offer or a guarantee of eligibility. Product rules differ across banks/NBFCs and can change.
01

Repayment capacity is insufficient

The requested EMI or facility may not fit within the lender's assessment of verified income and existing obligations.

02

Credit history raises concerns

Recent delinquencies, write-offs, settlements, high utilization or inconsistent repayment behaviour can affect lender assessment.

03

Documents do not support the profile

Income, turnover, banking, GST, ITR or employment details that are incomplete or inconsistent may lead to queries or decline.

04

Product or policy mismatch

A strong applicant can still be unsuitable for a specific lender program because of employer category, business industry, property type, geography, vehicle, institution or other policy rules.

05

Property or asset issues

Secured loans can be affected by title, technical, valuation, age, usage or documentation issues relating to the underlying property or asset.

Common questions

FAQ

First understand the reason where available. Repeated applications without addressing the issue may not improve the outcome.