{"id":1174,"date":"2026-01-31T13:13:11","date_gmt":"2026-01-31T13:13:11","guid":{"rendered":"https:\/\/oolka.in\/blog\/?p=1174"},"modified":"2026-01-31T13:15:04","modified_gmt":"2026-01-31T13:15:04","slug":"loan-without-credit-score","status":"publish","type":"post","link":"https:\/\/oolka.in\/blog\/hi\/loan-without-credit-score\/","title":{"rendered":"\u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u0907\u0902\u0938\u094d\u091f\u0947\u0902\u091f \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0948\u0938\u0947 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0947\u0902?"},"content":{"rendered":"\n<p>\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928\u0939\u0940\u0902 \u0939\u0948 \u092f\u093e \u0906\u092a\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 (Credit 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\u0938\u094d\u0925\u093f\u0930 \u0939\u0948 \u0914\u0930 \u0906\u092a \u0921\u093f\u091c\u093f\u091f\u0932 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u093e \u0915\u093f\u0924\u0928\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u092b\u093f\u0928\u091f\u0947\u0915 (FinTech) \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u090b\u0923\u0926\u093e\u0924\u093e \u0909\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u091b\u094b\u091f\u0947 \u0914\u0930 \u0915\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0926\u0947\u0928\u0947 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0938\u0915\u094d\u0930\u093f\u092f \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0915\u0941\u091b 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\u0932\u093f\u090f, \u0906\u092a\u0915\u094b \u0932\u094b\u0928 \u091c\u0932\u094d\u0926\u0940 \u091a\u0941\u0915\u093e\u0928\u093e \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948, \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902, \u092f\u093e \u0906\u092a\u0915\u094b \u0915\u092e \u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u0915\u0940 \u092e\u0902\u091c\u0942\u0930\u0940 \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<br><br><strong>\u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u0915\u094c\u0928 \u0926\u0947\u0924\u093e \u0939\u0948 \u0907\u0902\u0938\u094d\u091f\u0947\u0902\u091f \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928?<\/strong><strong><br><\/strong><strong><br><\/strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u091a\u0947\u0915 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0928\u090f \u0924\u0930\u0940\u0915\u094b\u0902 \u0915\u0940 \u092c\u0926\u094c\u0932\u0924, \u0905\u092c \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928 \u0939\u094b\u0928\u0947 \u092a\u0930 \u092d\u0940 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u0938\u0902\u092d\u0935 \u0939\u0948\u0964 \u092f\u0939\u093e\u0901 \u0909\u0928 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u092a\u0930 \u090f\u0915 \u0928\u091c\u093c\u0930 \u0921\u093e\u0932\u0940 \u0917\u0908 \u0939\u0948 \u091c\u094b \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0940 \u092e\u0926\u0926 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902:<br><br><strong>\u092b\u093f\u0928\u091f\u0947\u0915 \u0932\u094b\u0928 \u0910\u092a\u094d\u0938 (Apps for Fintech Loans)<\/strong><\/p>\n\n\n\n<p>PaySense, KreditBee, CASHe \u0914\u0930 LazyPay \u091c\u0948\u0938\u0940 \u092b\u093f\u0928\u091f\u0947\u0915 \u0938\u093e\u0907\u091f\u094d\u0938 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u092c\u0926\u0932 \u0930\u0939\u0940 \u0939\u0948\u0902\u0964 \u092f\u0947 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u092c\u091c\u093e\u092f \u0906\u092a\u0915\u0947 \u092b\u094b\u0928 \u0915\u0947 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947, \u092f\u0942\u091f\u093f\u0932\u093f\u091f\u0940 \u092c\u093f\u0932\u094b\u0902 \u0915\u0947 \u092d\u0941\u0917\u0924\u093e\u0928, \u092c\u0948\u0902\u0915 \u091f\u094d\u0930\u093e\u0902\u091c\u0947\u0915\u094d\u0936\u0928 \u0914\u0930 \u0906\u092a\u0915\u0947 \u0915\u093e\u0930\u094d\u092f \u0905\u0928\u0941\u092d\u0935 (Work Experience) \u091c\u0948\u0938\u0947 \u0921\u0947\u091f\u093e \u0915\u094b \u0926\u0947\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0924\u0941\u0930\u0902\u0924 \u092f\u094b\u0917\u094d\u092f\u0924\u093e \u091c\u093e\u0902\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f AI-\u0906\u0927\u093e\u0930\u093f\u0924 \u091f\u0942\u0932\u094d\u0938 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092b\u093f\u0928\u091f\u0947\u0915 \u0910\u092a\u094d\u0938 \u20b95,000 \u0938\u0947 \u20b92 \u0932\u093e\u0916 \u0924\u0915 \u0915\u0940 \u091b\u094b\u091f\u0940 \u0930\u093e\u0936\u093f \u0924\u0941\u0930\u0902\u0924 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0928\u0915\u0940 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0927\u093f \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092f\u0947 \u091b\u094b\u091f\u0940 \u0914\u0930 \u0906\u0915\u0938\u094d\u092e\u093f\u0915 \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 (NBFCs)<\/strong><\/p>\n\n\n\n<p>&nbsp;\u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 (NBFCs) \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902, NBFCs \u0915\u0947 \u0928\u093f\u092f\u092e \u0925\u094b\u0921\u093c\u0947 \u0932\u091a\u0940\u0932\u0947 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0909\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0926\u0947\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u0915\u092e \u092f\u093e \u0936\u0942\u0928\u094d\u092f \u0939\u0948\u0964 \u092c\u091c\u093e\u091c \u092b\u093f\u0928\u0938\u0930\u094d\u0935 (Bajaj Finserv), \u091f\u093e\u091f\u093e \u0915\u0948\u092a\u093f\u091f\u0932 \u0914\u0930 \u092b\u0941\u0932\u0930\u091f\u0928 \u0907\u0902\u0921\u093f\u092f\u093e \u091c\u0948\u0938\u0940 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u0906\u092a\u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u0906\u092f \u0914\u0930 \u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0932\u094b\u0928 \u0926\u0947\u0924\u0940 \u0939\u0948\u0902\u0964 \u0935\u0947 \u0906\u092a\u0938\u0947 \u0938\u0948\u0932\u0930\u0940 \u0938\u094d\u0932\u093f\u092a \u092e\u093e\u0902\u0917 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0938\u093f\u092c\u093f\u0932 (CIBIL) \u0938\u094d\u0915\u094b\u0930 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u0928\u094c\u0915\u0930\u0940\u092a\u0947\u0936\u093e \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092f\u0947 \u090f\u0915 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948\u0902 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0928\u0915\u0940 \u0936\u0930\u094d\u0924\u0947\u0902 \u0915\u093e\u092b\u0940 \u0906\u0938\u093e\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u092a\u0940\u092f\u0930-\u091f\u0942-\u092a\u0940\u092f\u0930 (P2P) \u092b\u093e\u0907\u0928\u0947\u0902\u0938\u093f\u0902\u0917<\/strong><\/p>\n\n\n\n<p>Faircent, Lendbox \u0914\u0930 i2iFunding \u091c\u0948\u0938\u0947 P2P \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u094b\u0902 \u0915\u094b \u0938\u0940\u0927\u0947 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0938\u0947 \u091c\u094b\u0921\u093c\u0924\u0947 \u0939\u0948\u0902\u0964 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928 \u0939\u094b\u0928\u0947 \u092a\u0930 \u092f\u0939\u093e\u0901 \u0906\u092a\u0915\u0940 \u0906\u092f, \u0928\u094c\u0915\u0930\u0940 \u0914\u0930 \u0930\u0947\u092b\u0930\u0947\u0902\u0938 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u091c\u093e\u0902\u091a\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0906\u092a\u0915\u0940 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u092e\u0947\u0902 \u091c\u094b\u0916\u093f\u092e \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0905\u0932\u0917-\u0905\u0932\u0917 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u092f\u0939\u093e\u0901 \u0906\u092a \u20b925,000 \u0938\u0947 \u20b95 \u0932\u093e\u0916 \u0924\u0915 \u0915\u093e \u0932\u094b\u0928 \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0939\u093e\u0932\u093e\u0901\u0915\u093f \u0907\u0938\u092e\u0947\u0902 \u092b\u093f\u0928\u091f\u0947\u0915 \u0910\u092a\u094d\u0938 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0925\u094b\u0921\u093c\u093e \u0905\u0927\u093f\u0915 \u0938\u092e\u092f \u0932\u0917 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u0915\u092e\u094d\u092f\u0941\u0928\u093f\u091f\u0940 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u0928\u093f\u092f\u0902\u0938<\/strong><\/p>\n\n\n\n<p>\u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u093e\u0902 \u0914\u0930 \u0938\u094d\u0935\u092f\u0902 \u0938\u0939\u093e\u092f\u0924\u093e \u0938\u092e\u0942\u0939 (SHGs) \u0909\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u091a\u094d\u091b\u0947 \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u093e \u0915\u094b\u0908 \u0914\u092a\u091a\u093e\u0930\u093f\u0915 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u092f\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0906\u092a\u0915\u0947 \u091a\u0930\u093f\u0924\u094d\u0930, \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0938\u0902\u0926\u0930\u094d\u092d\u094b\u0902 (references) \u0914\u0930 \u092c\u091a\u0924 \u0915\u0940 \u0906\u0926\u0924\u094b\u0902 \u0915\u094b \u0905\u0927\u093f\u0915 \u092e\u0939\u0924\u094d\u0935 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0925\u094b\u0921\u093c\u0940 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0907\u0928\u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u0915\u092e \u0914\u0930 \u0936\u0930\u094d\u0924\u0947\u0902 \u0932\u091a\u0940\u0932\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921<\/strong><\/p>\n\n\n\n<p>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928 \u0939\u094b\u0928\u0947 \u092a\u0930 \u090b\u0923\u0926\u093e\u0924\u093e \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0906\u0927\u093e\u0930\u094b\u0902 \u092a\u0930 \u0906\u092a\u0915\u0940 \u0938\u093e\u0916 (creditworthiness) \u091c\u093e\u0902\u091a\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ol>\n<li><strong>\u0938\u094d\u0925\u093f\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u0914\u0930 \u0906\u092f \u0915\u093e \u092a\u094d\u0930\u092e\u093e\u0923:<\/strong> \u092c\u0948\u0902\u0915 \u092f\u0939 \u092a\u0915\u094d\u0915\u093e \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0906\u092a \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0938\u0948\u0932\u0930\u0940 \u0938\u094d\u0932\u093f\u092a, \u092b\u0949\u0930\u094d\u092e 16 \u0914\u0930 ITR (\u0906\u092f\u0915\u0930 \u0930\u093f\u091f\u0930\u094d\u0928) \u0915\u094b \u092a\u094d\u0930\u092e\u093e\u0923 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f\u094d\u0938:<\/strong> \u092a\u093f\u091b\u0932\u0947 3 \u0938\u0947 6 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f \u0938\u0947 \u0906\u092a\u0915\u0947 \u0916\u0930\u094d\u091a \u0915\u0930\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947 \u0914\u0930 \u092c\u0948\u0902\u0915 \u092c\u0948\u0932\u0947\u0902\u0938 \u0915\u093e \u092a\u0924\u093e \u091a\u0932\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0914\u0930 <\/strong><strong>\u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0935\u094d\u092f\u0935\u0939\u093e\u0930<\/strong><strong>:<\/strong> \u0915\u0941\u091b \u0910\u092a\u094d\u0938 \u0906\u092a\u0915\u0947 UPI \u091f\u094d\u0930\u093e\u0902\u091c\u0947\u0915\u094d\u0936\u0928 \u0914\u0930 \u0911\u0928\u0932\u093e\u0907\u0928 \u0936\u0949\u092a\u093f\u0902\u0917 \u0939\u093f\u0938\u094d\u091f\u094d\u0930\u0940 (Ola, Zomato, Amazon) \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0906\u092a\u0915\u093e &#8216;\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u0941\u091f\u092a\u094d\u0930\u093f\u0902\u091f&#8217; \u091a\u0947\u0915 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092f\u0942\u091f\u093f\u0932\u093f\u091f\u0940 \u092c\u093f\u0932 \u092d\u0941\u0917\u0924\u093e\u0928:<\/strong> \u0938\u092e\u092f \u092a\u0930 \u092c\u093f\u091c\u0932\u0940, \u092b\u094b\u0928 \u092f\u093e \u092c\u094d\u0930\u0949\u0921\u092c\u0948\u0902\u0921 \u092c\u093f\u0932 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0906\u092a\u0915\u0940 \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948, \u091c\u094b \u0932\u094b\u0928 \u092e\u093f\u0932\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ol>\n\n\n\n<p><strong>\u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u091a\u0947\u0915 \u0935\u093e\u0932\u0947 \u0932\u094b\u0928 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 (Pros and Cons)<\/strong><strong><br><\/strong><strong><br><\/strong>\u091c\u093f\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u092c\u0939\u0941\u0924 \u0905\u0927\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0935\u0947 \u0905\u0915\u094d\u0938\u0930 \u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u0932\u094b\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0938\u092b\u0932 \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u091c\u093c\u093e\u0939\u093f\u0930 \u0939\u0948, \u0907\u0938 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u0947 \u0905\u092a\u0928\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0915\u0941\u091b \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u092d\u0940 \u0939\u0948\u0902\u0964 \u092f\u0926\u093f \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0907\u0928 \u0926\u094b\u0928\u094b\u0902 \u092a\u0939\u0932\u0941\u0913\u0902 \u0915\u094b \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 \u0938\u092e\u091d \u0932\u0947\u0902, \u0924\u094b \u0935\u0947 \u0905\u092a\u0928\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u0947\u0939\u0924\u0930 \u0914\u0930 \u0938\u0939\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<br><br><strong>\u092b\u093e\u092f\u0926\u0947 (Pros)<\/strong><\/p>\n\n\n\n<ul>\n<li>\u0928\u090f \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0941\u0932\u092d: \u091c\u094b \u0932\u094b\u0917 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0932\u094b\u0928 \u0932\u0947 \u0930\u0939\u0947 \u0939\u0948\u0902 \u092f\u093e \u0935\u0947 \u091b\u093e\u0924\u094d\u0930 \u091c\u093f\u0928\u0915\u093e \u0915\u094b\u0908 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0935\u0947 \u092d\u0940 \u0905\u092a\u0928\u0940 \u091c\u093c\u0930\u0942\u0930\u0924 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092a\u0948\u0938\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0909\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u0939\u0948 \u091c\u093f\u0928\u094d\u0939\u094b\u0902\u0928\u0947 \u092a\u0939\u0932\u0947 \u0915\u092d\u0940 \u0909\u0927\u093e\u0930 \u0928\u0939\u0940\u0902 \u0932\u093f\u092f\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0924\u094d\u0935\u0930\u093f\u0924 \u092e\u0902\u091c\u0942\u0930\u0940 \u0914\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 (Fast Approval): \u091a\u0942\u0902\u0915\u093f \u0907\u0938\u092e\u0947\u0902 \u0932\u0902\u092c\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u091c\u093e\u0902\u091a \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940, \u0907\u0938\u0932\u093f\u090f \u0932\u094b\u0928 \u0915\u0940 \u092e\u0902\u091c\u0942\u0930\u0940 \u0905\u0915\u094d\u0938\u0930 \u0909\u0938\u0940 \u0926\u093f\u0928 \u092e\u093f\u0932 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092f\u093e\u0924\u094d\u0930\u093e, \u092e\u0947\u0921\u093f\u0915\u0932 \u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092f\u093e \u0905\u0928\u094d\u092f \u0924\u093e\u0924\u094d\u0915\u093e\u0932\u093f\u0915 \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0939\u0941\u0924 \u092e\u0926\u0926\u0917\u093e\u0930 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908: \u092b\u093f\u0928\u091f\u0947\u0915 \u0914\u0930 NBFC \u090b\u0923\u0926\u093e\u0924\u093e \u0915\u0947\u0935\u0932 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u091c\u0948\u0938\u0947 \u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f, \u0906\u0908\u0921\u0940 \u092a\u094d\u0930\u0942\u092b \u0914\u0930 \u0906\u092f \u0915\u093e \u0935\u093f\u0935\u0930\u0923 \u092e\u093e\u0902\u0917\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0928\u092e\u0947\u0902 \u0938\u0947 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0910\u092a\u094d\u0938 \u092e\u094b\u092c\u093e\u0907\u0932 \u092a\u0930 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092c\u0947\u0939\u0926 \u0906\u0938\u093e\u0928 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u093e \u0906\u0927\u0941\u0928\u093f\u0915 \u0924\u0930\u0940\u0915\u093e: \u092f\u0947 \u0932\u094b\u0928 \u0915\u0947\u0935\u0932 \u092a\u0941\u0930\u093e\u0928\u0947 \u0907\u0924\u093f\u0939\u093e\u0938 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0928\u0939\u0940\u0902 \u0930\u0939\u0924\u0947, \u092c\u0932\u094d\u0915\u093f \u090b\u0923\u0926\u093e\u0924\u093e \u0906\u092a\u0915\u0940 \u0906\u092f \u0915\u0940 \u0938\u094d\u0925\u093f\u0930\u0924\u093e, \u091f\u094d\u0930\u093e\u0902\u091c\u0947\u0915\u094d\u0936\u0928 \u0939\u093f\u0938\u094d\u091f\u094d\u0930\u0940 \u0914\u0930 \u092f\u0942\u091f\u093f\u0932\u093f\u091f\u0940 \u092c\u093f\u0932 \u092d\u0941\u0917\u0924\u093e\u0928 \u091c\u0948\u0938\u0947 \u0930\u0940\u092f\u0932-\u091f\u093e\u0907\u092e \u0921\u0947\u091f\u093e \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0906\u092a\u0915\u0940 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0928\u0941\u0915\u0938\u093e\u0928 (Cons)<\/strong><\/p>\n\n\n\n<ul>\n<li>\u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 (Higher Rates): \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928 \u0939\u094b\u0928\u0947 \u092a\u0930 \u090b\u0923\u0926\u093e\u0924\u093e \u0906\u092a\u0915\u094b \u090f\u0915 &#8220;\u091c\u094b\u0916\u093f\u092e \u092d\u0930\u0947&#8221; \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0926\u0947\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938 \u091c\u094b\u0916\u093f\u092e \u0915\u0940 \u092d\u0930\u092a\u093e\u0908 \u0915\u0947 \u0932\u093f\u090f \u0935\u0947 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0905\u0927\u093f\u0915 \u092c\u094d\u092f\u093e\u091c \u0935\u0938\u0942\u0932\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0938\u0940\u092e\u093f\u0924 \u0932\u094b\u0928 \u0930\u093e\u0936\u093f: \u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u091a\u0947\u0915 \u0935\u093e\u0932\u0947 \u0932\u094b\u0928 \u092e\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u0930\u093e\u0936\u093f \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0924\u094b \u0920\u0940\u0915 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092f\u0926\u093f \u0906\u092a\u0915\u094b \u0915\u093f\u0938\u0940 \u092c\u0921\u093c\u0947 \u0915\u093e\u092e \u0915\u0947 \u0932\u093f\u090f \u091c\u093c\u094d\u092f\u093e\u0926\u093e \u092a\u0948\u0938\u094b\u0902 \u0915\u0940 \u091c\u093c\u0930\u0942\u0930\u0924 \u0939\u0948, \u0924\u094b \u0936\u093e\u092f\u0926 \u092f\u0939 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0928 \u0939\u094b\u0964<\/li>\n\n\n\n<li>\u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u092b\u0930\u094d\u091c\u0940 \u090b\u0923\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u093e \u091c\u094b\u0916\u093f\u092e: \u0921\u093f\u091c\u093f\u091f\u0932 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u0915\u0940 \u092c\u0922\u093c\u0924\u0940 \u0932\u094b\u0915\u092a\u094d\u0930\u093f\u092f\u0924\u093e \u0915\u0947 \u0915\u093e\u0930\u0923 \u0915\u0941\u091b \u0910\u0938\u0947 \u0910\u092a\u094d\u0938 \u092d\u0940 \u092c\u093e\u091c\u093c\u093e\u0930 \u092e\u0947\u0902 \u0906 \u0917\u090f \u0939\u0948\u0902 \u091c\u094b \u0928\u093f\u092f\u092e\u094b\u0902 (regulations) \u0915\u093e \u092a\u093e\u0932\u0928 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947\u0964<\/li>\n\n\n\n<li>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0905\u0938\u0930 \u0928 \u092a\u0921\u093c\u0928\u093e: \u092f\u0926\u093f \u0906\u092a\u0915\u093e \u090b\u0923\u0926\u093e\u0924\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b (\u091c\u0948\u0938\u0947 CIBIL) \u0915\u094b \u0906\u092a\u0915\u0947 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0928\u0939\u0940\u0902 \u0926\u0947\u0924\u093e \u0939\u0948, \u0924\u094b \u0938\u092e\u092f \u092a\u0930 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926 \u0906\u092a\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928\u0939\u0940\u0902 \u0938\u0941\u0927\u0930\u0947\u0917\u093e\u0964 \u0907\u0938\u0938\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u092c\u0921\u093c\u0947 \u0932\u094b\u0928 \u092e\u093f\u0932\u0928\u093e \u092b\u093f\u0930 \u0938\u0947 \u091a\u0941\u0928\u094c\u0924\u0940\u092a\u0942\u0930\u094d\u0923 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br><br><strong>\u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928 \u0939\u094b\u0928\u0947 \u092a\u0930 \u092d\u0940 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u092e\u093f\u0932\u0928\u093e \u0938\u0902\u092d\u0935 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u0940 \u0924\u0930\u0940\u0915\u093e \u0905\u092a\u0928\u093e\u0928\u093e \u091c\u093c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 \u0905\u092a\u0928\u0940 \u092e\u0902\u091c\u093c\u0942\u0930\u0940 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u092c\u0922\u093c\u093e\u0928\u0947 \u0914\u0930 \u092c\u0947\u0939\u0924\u0930 \u0936\u0930\u094d\u0924\u0947\u0902 \u092a\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0907\u0928 \u091a\u0930\u0923\u094b\u0902 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0947\u0902:<\/p>\n\n\n\n<p><strong>1. \u0938\u0939\u0940 \u090b\u0923\u0926\u093e\u0924\u093e (Lender) \u091a\u0941\u0928\u0947\u0902<\/strong><\/p>\n\n\n\n<p>\u0938\u093f\u0930\u094d\u092b \u092c\u0921\u093c\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0924\u0915 \u0938\u0940\u092e\u093f\u0924 \u0928 \u0930\u0939\u0947\u0902\u0964 \u092a\u0940\u092f\u0930-\u091f\u0942-\u092a\u0940\u092f\u0930 (P2P) \u0928\u0947\u091f\u0935\u0930\u094d\u0915, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u0942\u0928\u093f\u092f\u0928, \u092b\u093f\u0928\u091f\u0947\u0915 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0914\u0930 NBFCs \u0915\u094b \u0926\u0947\u0916\u0947\u0902 \u091c\u094b \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0947 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0915\u0947\u0935\u0932 CIBIL \u092f\u093e CRIF \u0938\u094d\u0915\u094b\u0930 \u0926\u0947\u0916\u0928\u0947 \u0915\u0947 \u092c\u091c\u093e\u092f \u0906\u092a\u0915\u0940 \u0906\u092f, \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u094d\u092f\u0935\u0939\u093e\u0930 \u0914\u0930 \u0911\u0928\u0932\u093e\u0907\u0928 \u0909\u092a\u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u0905\u0927\u093f\u0915 \u092e\u0939\u0924\u094d\u0935 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>2. \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0924\u0948\u092f\u093e\u0930 \u0930\u0916\u0947\u0902<\/strong><\/p>\n\n\n\n<p>\u092d\u0932\u0947 \u0939\u0940 \u0938\u094d\u0915\u094b\u0930 \u0928 \u0939\u094b, \u0932\u0947\u0915\u093f\u0928 \u092e\u091c\u093c\u092c\u0942\u0924 \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0906\u092a\u0915\u0940 \u092e\u0926\u0926 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u091a\u0940\u091c\u093c\u0947\u0902 \u0924\u0948\u092f\u093e\u0930 \u0930\u0916\u0947\u0902:<\/p>\n\n\n\n<ul>\n<li>\u092a\u0939\u091a\u093e\u0928 \u0914\u0930 \u092a\u0924\u0947 \u0915\u093e \u092a\u094d\u0930\u092e\u093e\u0923 (ID &amp; Address Proof)<\/li>\n\n\n\n<li>\u0938\u0948\u0932\u0930\u0940 \u0938\u094d\u0932\u093f\u092a \u092f\u093e \u092c\u093f\u091c\u093c\u0928\u0947\u0938 \u0907\u0928\u0915\u092e \u0915\u093e \u092a\u094d\u0930\u092e\u093e\u0923<\/li>\n\n\n\n<li>\u092a\u093f\u091b\u0932\u0947 3 \u0938\u0947 6 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e \u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f<\/li>\n\n\n\n<li>\u0915\u093f\u0930\u093e\u092f\u093e, \u092c\u0940\u092e\u093e \u092f\u093e \u092f\u0942\u091f\u093f\u0932\u093f\u091f\u0940 \u092c\u093f\u0932\u094b\u0902 \u0915\u0940 \u0930\u0938\u0940\u0926\u0947\u0902 (\u092f\u0926\u093f \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u094b)<\/li>\n<\/ul>\n\n\n\n<p><strong>3. \u0911\u092b\u0930\u094d\u0938 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902<\/strong><\/p>\n\n\n\n<p>\u091c\u094b \u092a\u0939\u0932\u093e \u0911\u092b\u0930 \u092e\u093f\u0932\u0947 \u0909\u0938\u0947 \u0924\u0941\u0930\u0902\u0924 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0928 \u0915\u0930\u0947\u0902\u0964 \u0932\u094b\u0928 \u090f\u0917\u094d\u0930\u0940\u0917\u0947\u091f\u0930\u094d\u0938 \u092f\u093e \u092a\u094b\u0930\u094d\u091f\u0932\u094d\u0938 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0907\u0928\u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902:<\/p>\n\n\n\n<ul>\n<li>\u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 (Interest Rates)<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917 \u092b\u0940\u0938<\/li>\n\n\n\n<li>\u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0905\u0935\u0927\u093f (Tenure)<\/li>\n\n\n\n<li>\u00a0\u092a\u094d\u0930\u0940-\u092a\u0947\u092e\u0947\u0902\u091f \u0936\u0941\u0932\u094d\u0915 \u092f\u093e \u091c\u0941\u0930\u094d\u092e\u093e\u0928\u093e\u0964 \u092f\u093e\u0926 \u0930\u0916\u0947\u0902, \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092e\u0947\u0902 2-3% \u0915\u093e \u0905\u0902\u0924\u0930 \u092d\u0940 \u0906\u092a\u0915\u0947 \u0915\u0941\u0932 \u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u0930 \u092c\u0921\u093c\u093e \u0905\u0938\u0930 \u0921\u093e\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>4. \u0911\u0928\u0932\u093e\u0907\u0928 KYC \u0914\u0930 \u0935\u0947\u0930\u093f\u092b\u093f\u0915\u0947\u0936\u0928<\/strong><\/p>\n\n\n\n<p>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092b\u093f\u0928\u091f\u0947\u0915 \u090b\u0923\u0926\u093e\u0924\u093e \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u092d\u094c\u0924\u093f\u0915 \u0915\u093e\u0917\u091c\u0940 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0915\u0947 \u0938\u093e\u0907\u0928-\u0905\u092a \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul>\n<li>\u0910\u092a \u092f\u093e \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u0915\u0947 \u091c\u093c\u0930\u093f\u090f \u0938\u094d\u0915\u0948\u0928 \u0915\u093f\u090f \u0917\u090f \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0905\u092a\u0932\u094b\u0921 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0908-KYC \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0927\u093e\u0930 OTP \u0938\u0947 \u0935\u0947\u0930\u093f\u092b\u093f\u0915\u0947\u0936\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u093e \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u093e \u0932\u093f\u0902\u0915 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0915\u092d\u0940-\u0915\u092d\u0940 \u090f\u0915 \u0924\u094d\u0935\u0930\u093f\u0924 \u092b\u094b\u0928 \u092f\u093e \u0935\u0940\u0921\u093f\u092f\u094b \u0915\u0949\u0932 \u0935\u0947\u0930\u093f\u092b\u093f\u0915\u0947\u0936\u0928 \u092e\u0947\u0902 \u092d\u093e\u0917 \u0932\u0947\u0902\u0964 <em>\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u0915\u0947 \u0938\u092b\u0932 \u0935\u0947\u0930\u093f\u092b\u093f\u0915\u0947\u0936\u0928 \u0915\u0947 \u092c\u093e\u0926 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 24 \u0938\u0947 48 \u0918\u0902\u091f\u094b\u0902 \u0915\u0947 \u092d\u0940\u0924\u0930 \u092a\u0948\u0938\u093e \u0906\u092a\u0915\u0947 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u092d\u0947\u091c \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/em><\/li>\n<\/ul>\n\n\n\n<p><strong>\u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u092c\u0922\u093c\u093e\u090f\u0902?<\/strong><\/p>\n\n\n\n<p>\u0932\u094b\u0928 \u092e\u093f\u0932\u0928\u093e \u0924\u094b \u0915\u0947\u0935\u0932 \u0936\u0941\u0930\u0941\u0906\u0924 \u0939\u0948\u0964 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u092c\u0947\u0939\u0924\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u092c\u0928\u093e\u0928\u093e \u0936\u0941\u0930\u0942 \u0915\u0930 \u0926\u0947\u0928\u093e \u091a\u093e\u0939\u093f\u090f:<\/p>\n\n\n\n<ul>\n<li><strong>\u0938\u092e\u092f \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928:<\/strong> \u0906\u092a\u0915\u0940 EMIs \u0915\u093e \u0938\u092e\u092f \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0939\u092e\u0947\u0936\u093e \u0938\u092e\u092f \u092a\u0930 \u092f\u093e \u0938\u092e\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li><strong>\u00a0\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e \u0905\u0927\u093f\u0915 \u0909\u092a\u092f\u094b\u0917 \u0928 \u0915\u0930\u0947\u0902:<\/strong> \u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0939\u0948, \u0924\u094b \u0905\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f (Credit Utilization) \u0915\u093e 30% \u0938\u0947 \u0905\u0927\u093f\u0915 \u0909\u092a\u092f\u094b\u0917 \u0928 \u0915\u0930\u0947\u0902\u0964\u091c\u094d\u092f\u093e\u0926\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0906\u092a\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0932\u0947\u0902:<\/strong> FD (\u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0921\u093f\u092a\u0949\u091c\u093f\u091f) \u0915\u0947 \u092c\u0926\u0932\u0947 \u092e\u093f\u0932\u0928\u0947 \u0935\u093e\u0932\u093e &#8216;\u0938\u093f\u0915\u094d\u092f\u094b\u0930\u094d\u0921 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921&#8217; (Secured Credit Card) \u0938\u094d\u0915\u094b\u0930 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u093e \u0924\u0930\u0940\u0915\u093e \u0939\u0948\u0964 \u091b\u094b\u091f\u0947 \u0916\u0930\u094d\u091a \u0915\u0930\u0947\u0902 \u0914\u0930 \u0909\u0928\u0915\u093e \u092a\u0942\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u092e\u092f \u092a\u0930 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902:<\/strong> \u0939\u0930 \u0915\u0941\u091b \u092e\u0939\u0940\u0928\u094b\u0902 \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 CIBIL \u092f\u093e Experian \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u091a\u0947\u0915 \u0915\u0930\u0947\u0902\u0964 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0917\u0932\u0924\u0940 \u092f\u093e \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u094b \u0924\u0941\u0930\u0902\u0924 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0947\u0902 \u0924\u093e\u0915\u093f \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0924\u0947\u091c\u093c\u0940 \u0938\u0947 \u092c\u0922\u093c\u0947\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0905\u0915\u094d\u0938\u0930 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0935\u093e\u0932 (FAQs)<\/strong><\/p>\n\n\n\n<p><strong>\u092a\u094d\u0930\u0936\u094d\u0928: \u0915\u094d\u092f\u093e \u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u092e\u0941\u091d\u0947 \u091b\u094b\u091f\u0940 \u0930\u093e\u0936\u093f \u0915\u093e \u0932\u094b\u0928 (Small-ticket loan) \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948? <\/strong><strong><br><\/strong><strong>\u0909\u0924\u094d\u0924\u0930<\/strong>: \u0939\u093e\u0901! \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u090b\u0923\u0926\u093e\u0924\u093e \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u094b\u0902 \u0915\u094b \u091b\u094b\u091f\u0940 \u0930\u093e\u0936\u093f \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 [CORRECTION] \u092a\u094d\u0930\u0936\u094d\u0928: \u0915\u094d\u092f\u093e \u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u092e\u0941\u091d\u0947 \u091b\u094b\u091f\u0940 \u0930\u093e\u0936\u093f \u0915\u093e \u0932\u094b\u0928 (Small-ticket loan) \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948? \u0909\u0924\u094d\u0924\u0930: \u0939\u093e\u0901! \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u090b\u0923\u0926\u093e\u0924\u093e \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u094b\u0902 \u0915\u094b \u0915\u092e \u0930\u093e\u0936\u093f \u0915\u093e \u0932\u094b\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964&nbsp;<\/p>\n\n\n\n<p><strong>\u092a\u094d\u0930\u0936\u094d\u0928: \u0905\u0917\u0930 \u092e\u0948\u0902\u0928\u0947 \u092a\u0939\u0932\u0947 \u0915\u092d\u0940 \u0909\u0927\u093e\u0930 \u0928\u0939\u0940\u0902 \u0932\u093f\u092f\u093e \u0939\u0948, \u0924\u094b \u0915\u094d\u092f\u093e \u092e\u0941\u091d\u0947 \u0932\u094b\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948?<\/strong><br><strong>\u0909\u0924\u094d\u0924\u0930:<\/strong> \u092c\u093f\u0932\u094d\u0915\u0941\u0932\u0964 \u0915\u0908 \u092b\u093f\u0928\u091f\u0947\u0915 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e &#8220;New to Credit&#8221; \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u0940 \u092c\u0928\u0947 \u0939\u0948\u0902\u0964 \u0935\u0947 \u0906\u092a\u0915\u0940 \u0906\u092f \u0914\u0930 \u092c\u0948\u0902\u0915 \u091f\u094d\u0930\u093e\u0902\u091c\u0947\u0915\u094d\u0936\u0928 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0906\u092a\u0915\u0940 \u092f\u094b\u0917\u094d\u092f\u0924\u093e \u0924\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u092a\u094d\u0930\u0936\u094d\u0928: \u0915\u094d\u092f\u093e \u0907\u0928 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u092b\u093f\u0928\u091f\u0947\u0915 \u0910\u092a\u094d\u0938 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u0948?<br><\/strong>\u0909\u0924\u094d\u0924\u0930: \u0939\u093e\u0901, \u092f\u0926\u093f \u0935\u0947 RBI \u0915\u0947 \u0938\u093e\u0925 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 (registered) \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u092a\u094d\u0930\u0936\u094d\u0928: \u092a\u0939\u0932\u093e \u0932\u094b\u0928 \u092e\u093f\u0932\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092c\u0928\u0928\u0947 \u092e\u0947\u0902 \u0915\u093f\u0924\u0928\u093e \u0938\u092e\u092f \u0932\u0917\u0924\u093e \u0939\u0948?<\/strong><br><strong>\u0909\u0924\u094d\u0924\u0930:<\/strong> \u092f\u0926\u093f \u0906\u092a \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b 3 \u0938\u0947 6 \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0906\u092a\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u091c\u0947\u0928\u0930\u0947\u091f \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u092a\u094d\u0930\u0936\u094d\u0928: \u0915\u094d\u092f\u093e \u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u091a\u0947\u0915 \u0935\u093e\u0932\u0947 \u0932\u094b\u0928 \u092e\u0947\u0902 \u0915\u094b\u0908 \u091c\u094b\u0916\u093f\u092e \u0939\u0948?<\/strong><br><strong>\u0909\u0924\u094d\u0924\u0930:<\/strong> \u091c\u094b\u0916\u093f\u092e \u0924\u094b \u0928\u0939\u0940\u0902, \u0932\u0947\u0915\u093f\u0928 \u0915\u0941\u091b \u0938\u093e\u0935\u0927\u093e\u0928\u093f\u092f\u093e\u0902 \u091c\u093c\u0930\u0942\u0930\u0940 \u0939\u0948\u0902\u0964 \u0907\u0928\u092e\u0947\u0902 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902 \u0914\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0936\u0930\u094d\u0924\u0947\u0902 \u0938\u0916\u094d\u0924 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u0938\u092e\u092f \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0928 \u0915\u0930\u0928\u0947 \u092a\u0930 \u0906\u092a\u0915\u093e \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092d\u0940 \u0916\u0930\u093e\u092c \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0928\u0939\u0940\u0902 \u0939\u0948 \u092f\u093e \u0906\u092a\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 (Credit History) \u092c\u0939\u0941\u0924 \u0915\u092e \u0939\u0948, \u0924\u094b \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u091a\u0941\u0928\u094c\u0924\u0940\u092a\u0942\u0930\u094d\u0923 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u090b\u0923\u0926\u093e\u0924\u093e (Lenders) \u092f\u0939 \u091c\u093e\u0928\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0940 \u092c\u093e\u0930\u0940\u0915\u0940 \u0938\u0947 \u091c\u093e\u0901\u091a \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0915\u094d\u092f\u093e \u0906\u092a \u0938\u092e\u092f \u092a\u0930 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e \u092a\u093e\u090f\u0902\u0917\u0947 \u0914\u0930 \u0906\u092a\u0915\u0940 \u0938\u093e\u0916 \u0915\u0948\u0938\u0940 \u0939\u0948\u0964 \u0905\u091a\u094d\u091b\u0940 \u0916\u092c\u0930<\/p>\n","protected":false},"author":3,"featured_media":1175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[5,16,11],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u092c\u093f\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u0907\u0902\u0938\u094d\u091f\u0947\u0902\u091f \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 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