00:00this one
00:06inے
00:08is
00:11you
00:19me
00:24I
00:25I
00:26I
00:27I
00:27I
00:29I
00:29I
00:29I
00:30emi miss ho gai yarni ki aap pahli emi
00:32nahi chukathe hai toh jadha tar bank
00:34or nbfc isse payment me
00:36dheri maantte hai
00:37is davoran aapko call
00:38ya message ke jariy reminder bheja jathe hai
00:40or late fees bhi lagti hai
00:42joh kuch 100 rupae se lhe kar kuch 1000 rupae
00:44tak ho sakti hai
00:45alaqi agar aap eek mahinne ke anndar bhuptan kar djethe hai
00:48toh credit score per jadha
00:50asar nahi pardata
00:51account ko overdue jarurod mark kiya jata hai
00:53lekin waha abhi bhi regular category me hi
00:56rehatta hai
00:56lekin dousari emi miss ho tte hi
00:58maamla gambhir ho jata hai payment me
01:00dheri 60 din tak pohuch jati hai
01:02or bank ya nbfc lagatar aapse sumpark
01:04karne lagtate hai personal loan
01:05ya credit card jasse unsecured loan
01:07collection team bhi active ho sakti hai
01:09is stage per payment me dheri
01:11ki jankari credit bureau koddi jati hai
01:13jis se aapka credit score tajji se girita hai
01:16agar 90 din tak ye mahi
01:17nahi chukai jati hai
01:18toh rbi icon yamuk ke mutabik loan npa
01:21yarni non performing asset
01:22ghooshit ho jata hai
01:23iske baad bank ka rwaya sakt ho jata hai
01:26secured loan jasse car loan
01:27ya home loan me bank recovery
01:29ki prakiriyah
01:29shuru kar sakti hai
01:31aur girvi rakhye gaya asset
01:32per uska adhikar ban jata hai
01:34wahi unsecured loan
01:35me legal notice
01:36arbitration
01:37ya civil recovery
01:38ki karwai ho sakti hai
01:39issthiti me credit score
01:41ko aisa jhatka
01:41lagta hai
01:42jis se uberne me
01:43kai saal
01:44lag sakti hai
01:44abate hai
01:45sabse jaruri
01:46baat par
01:46ki emi miss ho ne
01:47par kya karay
01:48to emi miss ho ne
01:49ke baad
01:50chuk na bae
01:50expert ki maanen
01:51to pehli emi miss ho te
01:53hi bank ya
01:53nbfc se
01:54baat kar leni
01:55chahiye
01:55agar saldi me
01:56dary medical emergency
01:58ya kishi
01:58majburi ki wajah
01:59se bhuktaan
02:00nuhi ho paaya
02:00hai
02:01to bank
02:01aapki
02:02madad
02:02kar sakti hai
02:03kai maamlou
02:03me emi
02:04kam ki ja
02:05sakti hai
02:05kucho
02:05samayi
02:06ke liye
02:06moratorium
02:07mil sakti hai
02:07ya
02:08repayment
02:08schedule
02:09kia
02:09jasakta hai
02:10khas kar
02:10home loan
02:11me
02:11re-estructuring
02:12ke
02:12jadha
02:12bikalp
02:13hotte hai
02:13yad
02:14rakhye
02:14samayi
02:14par
02:14bachit
02:15or
02:15sahih
02:15kadam
02:16uđtha
02:16kar
02:16aap
02:16na
02:16sirf
02:17aapne
02:17loan
02:17ko
02:17control
02:18me
02:18rakh
02:18sakti
02:18hain
02:18balki
02:19aapne
02:19credit
02:19score
02:20ko
02:20bhi
02:20bach
02:21aap
02:22date
02:22or
02:23share
02:23market
02:24se
02:24juri
02:24juri
02:24janakari
02:25ke
02:25liye
02:25aap
02:25banay
02:26rehen
02:26good
02:26returns
02:27digital
02:27ke
02:27saad