Loan Rejection Library
Rejected? Don't re-apply — diagnose first.
Every rejection leaves a hard enquiry on your CIBIL. Blind re-applications compound the problem. The Loan Rejection Library walks through the 5 most common rejection reasons in India, the exact fix for each, and the strategic re-application sequence.
The 5 most common rejection reasons
Pick the rejection reason that matches your case
Each guide walks through: what triggered the rejection, how to read your own file like an underwriter, the exact fix sequence, and how to re-apply strategically without damaging your CIBIL further.
Low CIBIL Rejection
Rejected for Low CIBIL
Your loan was rejected because of CIBIL. Don't apply to 5 more lenders — that makes it worse. Here's the exact recovery sequence.
Existing Loans / High FOIR
Rejected Due to Existing Loans
Your existing EMIs are eating your eligibility. Prepay, refinance, add a co-applicant — three levers to lower FOIR and qualify.
ITR Mismatch
Rejected for ITR Mismatch
ITR mismatch with GST or banking is a common decline. Here's how to prepare a reconciliation note and which lenders accept which gaps.
GST Issues Rejection
Rejected for GST Issues
Pending GST returns, GSTR-1 vs 3B mismatch, turnover gap with ITR — each is a different rejection. Here's the fix for each.
Banking Transactions Rejection
Rejected for Banking Transactions
Your bank statement is read like an X-ray. Bounces, cash deposits, low AMB — each red flag has a specific fix. Here's the 6-month cleanup.
Don't guess — get a diagnosis
Tell us about your rejection. Get a 48-hour fix plan.
Share the lender's decline reason (if you have it) and your basic file details. A senior advisor will diagnose the trigger and recommend the exact fix sequence — free, no obligation.
Get a free rejection diagnosis