Marriage decisions traditionally consider family background, financial stability, and compatibility, but in a surprising turn of events, a low CIBIL score became the reason for a canceled wedding in Maharashtra’s Murtizapur.
The incident unfolded when the bride’s uncle insisted on checking the groom’s CIBIL report during a formal meeting between the two families. The findings shocked the bride’s relatives:
- The groom had taken multiple loans from different banks.
- His CIBIL score was extremely low, suggesting financial instability.
- Concerns arose about his ability to provide financial security in marriage.
As a result, the bride’s family immediately withdrew the wedding proposal, emphasizing that financial stability was a non-negotiable factor.
What Is a CIBIL Score and Why Is It Important?
A CIBIL score is a three-digit number (ranging from 300 to 900) that reflects a person’s creditworthiness based on financial history.
How Is a CIBIL Score Calculated?
It is based on:
- Loan repayment history
- Credit card usage and bill payments
- Existing debts and financial liabilities
| CIBIL Score Range | Creditworthiness | Approval Chances for Loans |
|---|---|---|
| 750 – 900 | Excellent | Very high |
| 650 – 749 | Good | Likely approved |
| 550 – 649 | Average | Risky; may require higher interest rates |
| Below 550 | Poor | Low chances of loan approval |
The groom’s low CIBIL score indicated past loan defaults or irregular payments, raising concerns about his financial stability and future responsibilities.
How CIBIL Scores Are Changing Marriage Decisions
This case highlights a growing shift in marriage priorities, where families are prioritizing:
- Financial responsibility over traditional factors.
- Debt-free individuals with strong credit histories.
- Financial security as a foundation for stable relationships.
A low CIBIL score signals financial stress, making families cautious about long-term stability.
Can a Low CIBIL Score Impact Personal Relationships?
Yes. In modern times, financial health is directly linked to life stability. Some key implications of a poor credit score in relationships include:
- Higher loan rejections, making it hard to secure home or car loans.
- Potential financial burden on the spouse if debts pile up.
- Lower trust in financial decision-making within the marriage.
Financial literacy is becoming a major factor in compatibility checks, making CIBIL scores as important as career and family background.
How to Improve a Low CIBIL Score
If a low CIBIL score can cancel a wedding, improving it is crucial for financial and personal stability.
1. Pay Bills on Time
- Avoid late payments on loans and credit cards.
- Set up auto-payments to ensure timely bill settlements.
2. Reduce Existing Debt
- Pay off outstanding loans to avoid high interest.
- Avoid multiple loan applications, which impact your score negatively.
3. Maintain a Low Credit Utilization Ratio
- Keep credit card usage below 30% of the available limit.
- Avoid maxing out credit cards frequently.
4. Check CIBIL Score Regularly
- Monitor your credit report via CIBIL or other credit bureaus.
- Dispute errors or incorrect entries in your report.
Frequently Asked Questions
Why did the bride’s family reject the groom based on his CIBIL score?
The low CIBIL score indicated financial instability, making the family question his ability to provide a secure future.
What is the minimum CIBIL score required for marriage approval?
There is no official requirement, but families may prefer individuals with a 650+ score for financial security.
Can a low CIBIL score impact future loans?
Yes. A score below 650 makes it difficult to secure home or car loans and may lead to higher interest rates.
How can I check my CIBIL score?
You can check your CIBIL score online through credit bureaus like CIBIL, Experian, or Equifax.
Does marriage affect my CIBIL score?
No, but joint loans with a low-credit spouse can impact both partners’ scores.
Can I improve my CIBIL score before marriage?
Yes. By paying off debts, clearing overdue payments, and maintaining financial discipline, you can boost your score.
Are financial background checks becoming common in arranged marriages?
Yes. With rising financial awareness, families are considering CIBIL scores alongside traditional compatibility checks.
Conclusion
The Maharashtra wedding cancellation highlights a new reality—financial credibility is now a key factor in marriage decisions. A low CIBIL score not only affects loan eligibility but also personal relationships and trust.
With financial security becoming a top priority, individuals should focus on maintaining a healthy credit history to secure both a strong financial future and personal stability.
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Aanchal is a passionate writer with a keen interest in storytelling, content creation, and creative expression. She enjoys exploring diverse topics and crafting engaging narratives that captivate readers.
