My monthly income is ~80000INR. I have 2 years of work experience and from 3rd week of March I will be joining a new company. I do not have any credit card, loans etc. I was doing all cash based transactions. Now I wanted to apply for 8 Lac personal loan for some family affairs like marriage of my sister.
I ordered cibil report which has no information about my credit history. A personal loan adviser suggested not to go with such a big amount with one bank as I don’t have history, instead apply in 3 different banks for 3+3+2 at a time so it should have any negative impact from lenders point of view. Please suggest a better way to do it.
Thanks,
Anil