Why Banks Reject Loans? Credit Score & CIBIL Explained!

In this episode of BT Classroom, Sakshi Batra explains why your loan might have been rejected—even if your documents were in order and your income seemed sufficient. It all comes down to one magic number: your credit score. From understanding what a credit score really is, to how it’s calculated, and what role CIBIL plays in tracking your financial history, this video breaks it all down in a simple and engaging way. Sakshi also explains the key differences between hard and soft credit inquiries, how they impact your score, and why your debt-to-income ratio might be silently sabotaging your loan application. You’ll also learn about the most important factors that influence your credit score—like payment history, credit utilization, and errors in your CIBIL report—and actionable tips on how to maintain a healthy credit profile.