Agar Kisi Vyakti Par Kafi Sara Loan Ho Aur Jail Ho Jaye To 5 Saal Baad CIBIL Score Thik Ho Sakta Hai Ya Nahi

Ye topic thoda sensitive hai, par real hai. Aur is par bahut kam log seedhi baat karte hain.

Zindagi me kuch aise phase aa jate hain jaha control haath se nikal jata hai. Loan chal raha tha, EMI ja rahi thi, phir achanak koi case, koi galti, ya koi majboori.

Aur vyakti jail chala gaya.

Ab 5 saal baad jab wo bahar aata hai, dimag me sabse pehla sawaal ye hota hai –

ab meri financial life ka kya hoga.

Kya credit score khatam ho chuka hai ya dobara ban sakta hai.

Jail Jana Aur Loan System – Dono Ka Koi Direct Connection Nahi

Sabse pehle ye samajhna zaruri hai.

Bank ko isse farq nahi padta ki vyakti jail me tha ya hospital me ya ghar par. Bank sirf ye dekhti hai – payment aayi ya nahi.

Agar EMI nahi aayi, to system me late payment chali jati hai.

Aur agar mahino tak EMI nahi aayi, to account NPA ho jata hai.

Jail ka reason CIBIL report me nahi likha jata. Sirf result dikhta hai.

5 Saal Jail Me Rehne Ke Dauraan Loan Ka Kya Hota Hai

Agar kisi vyakti ke upar:

• Personal loan
• Home loan
• Credit card dues
• Business loan

aur wo 5 saal tak EMI nahi bhar paaya,

to aam taur par ye hota hai:

• 30, 60, 90 days late entries
• Account NPA mark hota hai
• Recovery call, legal notice
• Settlement ya write off

Is dauraan CIBIL score dheere dheere neeche jata rehta hai. Kabhi kabhi 300 ke aas paas bhi pahunch jata hai.

Kya 5 Saal Baad Payment Karne Se CIBIL Thik Ho Sakta Hai

Seedhi baat.

Haan, ho sakta hai. Par ek din me nahi.

Payment karne se do cheeze hoti hain:

• Outstanding clear hota hai
• Future damage ruk jata hai

Par past record turant erase nahi hota.

Payment Karne Ke Baad CIBIL Kaise Behave Karta Hai

CIBIL system memory rakhta hai.

Agar kisi account me:

• Default hua
• NPA bana
• Settlement hui

to wo entry report me rehti hai.

Generally:

• Late payment history 36 months tak dikhti hai
• Settlement or write off 7 saal tak

Par iska matlab ye nahi ki score improve nahi hoga.

Ek Realistic Timeline – Ground Reality

Step 1: Jail Se Bahar Aane Ke Baad Pehla Saal

Is phase me:

• Sab loans ka status check hota hai
• Outstanding amount pata chalta hai
• CIBIL lowest point par hota hai

Is time credit card, loan approval almost impossible hota hai.

Step 2: Payment Ya Settlement Phase

Agar vyakti:

• Full payment karta hai, best case
• Ya settlement karta hai, compromise

to score dheere dheere upar move karta hai.

Settlement ke baad bhi improvement hota hai, par full payment zyada strong signal deta hai.

Step 3: 6 Se 12 Mahine Ki Clean History

Yaha se actual recovery shuru hoti hai.

Agar is period me:

• Koi new late payment nahi
• Small credit use aur time par payment

to score 450 se 600 ke beech aa sakta hai.

Step 4: 24 Se 36 Mahine Ka Game

Is phase me:

• Secured credit card
• Small loan
• Regular on time payment

se score 650 plus pahunch sakta hai.

Ek Achha CIBIL Score Banane Me Kitna Time Lagta Hai

Agar jail ke baad sab payment ho jaye:

• Basic recovery – 12 se 18 mahine
• Decent score 650 – 2 se 3 saal
• Strong score 700 plus – 3 se 4 saal

Ye average timeline hai. Case to case differ karta hai.

Real Life Example

Example 1

Ravi par personal loan aur 2 credit card ka total 6 lakh ka burden tha. 2018 me jail chala gaya.

2023 me bahar aaya.

Family ne settlement karwa di. 2024 me secured credit card liya.

2026 tak CIBIL 680 ho gaya.

Example 2

Mohan ne full payment ki, settlement nahi. Time laga par impact better raha.

3 saal me score 720 touch kar gaya.

Jail Ke Baad Sabse Badi Galti Jo Log Karte Hain

Log sochte hain – ab sab khatam.

Aur financial system se bhagna shuru kar dete hain.

Yahi sabse badi galti hoti hai.

System bhagne se nahi, face karne se thik hota hai.

Secured Credit Card – Naya Start

Jail ke baad normal credit card milna mushkil hota hai.

Par FD based credit card mil jata hai.

Ye card:

• CIBIL improve karta hai
• Trust rebuild karta hai
• Financial discipline sikhata hai

Kya Jail Ka Record Bank Ko Dikhta Hai

Nahi.

Bank ko sirf:

• Payment behavior
• Outstanding
• Default history

dikhti hai.

Jail ka record criminal background check me hota hai, CIBIL me nahi.

Thoda Kadwa Sach

5 saal jail me rehne ke baad financial recovery easy nahi hoti.

Par impossible bhi nahi.

System slow hai, par fair hai.

Kya Kabhi Wapas Normal Banking Life Mil Sakti Hai

Haan.

Par patience ke saath.

Jo log discipline follow karte hain, wo 3–4 saal me normal zone me aa jate hain.

Conclusion

Agar kisi vyakti par bahut loan ho aur wo 5 saal jail me raha ho, to release ke baad CIBIL score zero se shuru nahi hota,

par dheere dheere dobara ban sakta hai.

Payment, patience aur discipline – ye teen cheeze sath ho,

to credit score bhi wapas aa jata hai.