Your CIBIL score is a three-digit number, usually between 300 and 900, calculated by credit bureaus from your repayment history across every loan and credit card you've ever held. Most banks and NBFCs use it as the primary — sometimes the only — factor in deciding whether to approve a personal loan.
That's a problem for two large groups of people: those who are new to credit and simply don't have a score yet, and those whose score doesn't reflect their current ability to repay (a medical emergency two years ago, a missed EMI during a job change, and so on).
What an internal credit policy looks at instead
Applications are assessed under our own internal credit policy, using the details you submit directly: your income, employment type, existing obligations you disclose, and the consistency of your application (do the numbers add up, does your stated income match your stated occupation, and so on).
This isn't a way to bypass creditworthiness checks — it's a different lens on the same underlying question: can this person realistically repay this loan on these terms.
What you'll need
Your PAN number, Aadhar number, and bank account details for disbursal — all entered as text, no document uploads required. You'll also enter your employment type, occupation, and monthly income, since those matter more to this kind of review than a bureau score would.
What this doesn't mean
It doesn't mean every application is approved — see our note on rejection reasons linked below. It also doesn't mean your CIBIL score is irrelevant to your financial life generally; it still matters for other lenders and other kinds of credit.