DIL❌ CIBIL Waale Dulhaniya Le Jaayenge – How Credit Scores Are Now Deciding Marriages in India!

Credit Score CIBIL
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:broken_heart: Imagine this: A groom’s wedding proposal gets rejected—not because of family disputes, not because of horoscopes—but because his CIBIL score was too low!

With financial stability becoming a top priority in marriages, is creditworthiness the new compatibility test? Are families now evaluating potential grooms and brides based on their loan repayment history rather than just their character and values?

:pushpin: Is this a practical approach for securing financial stability or an over-the-top demand?
:pushpin: Should credit scores be a deciding factor in choosing a life partner? :flushed:

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A few months back I discovered a situation where the groom got rejected because his CIBIL score was too low. The bride’s family doubted his financial responsibility based on his poor CIBIL score which led them to reject him as a potential spouse. The idea of using credit scores to determine marriage proposals seemed ridiculous to me because marriage proposals had never relied on such factors before. The process of reflection led me to understand that financial stability matters significantly in relationships when couples plan their future together.

The trend shows a significant difference between men and women regarding this practice. The trend of evaluating grooms through their CIBIL scores has grown but brides generally avoid such financial assessments. The practice of using financial responsibility as a deal-breaker should be consistent for both partners in a relationship. Society generally expects men to demonstrate financial stability but this practice upholds traditional gender stereotypes.

Credit scores function as one component to evaluate financial readiness yet they should not determine whether someone qualifies for marriage or their personal value. A person with a low CIBIL score might have experienced financial difficulties in the past or faced unexpected expenses or lacked credit history rather than being reckless. A more constructive method than total rejection would involve examining financial practices and spending patterns and future objectives since marriage requires mutual support rather than credit score evaluation.

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:one: The Reason For CIBIL Scores In Marital Situations

Economic analysis of a person’s creditworthiness – Someone with a high CIBIL score, ranging from 750 and above, is likely to have sound financial practices, whereas someone with a low score may have a poor repayment history, defaults, or utilization towards existing credit.

Family And Loans & Emies: The Struggle – Families become anxious about the low score worrying that it would negatively impact their home loan, car loan, and credit card prospects, resulting in economic distress.

Increased Scope Of Finance – A considerable proportion of society has started treating a low CIBIL score as a problem as severe as lacking job security or education which further substantiates their incomplete knowledge of financial discipline.

:two: Financial Underscoring of The Feminine Income Gap

Lack Of Equal Expectations – a CIBIL business report on women does not exist simply because society politically constructed women to age as dependents in their family and so completely ignore these women and children.

Financial Earning Responsibility Assumption Bias – Failing to factor women into the workforce stems from the notion that men must earn sufficient funds to meet household standards.

Modernization: How Far Are We? – Is the verification of financial dependency of a spouse now intended to be equally relevant for men and women as a prerequisite? Considering its growing acceptance, I think so.

:three: The Pragmatic Aspects: Undeserved Poverty Stigma – Why A Low CIBIL Score Should Not Always Result in Negative Assumptions

Low Credit Score Syndrome – A lot of people have a low score simply because they are new to it will in fact have a very low score due to a lack of credit history, not due to bad management of finances.

Mistakes In The Past: Having a poor CIBIL might come about due to low payment frequencies, medical emergency expenses, or even subpar finances.