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Zero CIBIL: Can I get a 3 lakh loan by tomorrow?

Ramalingam

Ramalingam Kalirajan  |11193 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 03, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - May 29, 2025Hindi
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Money

Need a loan of 3 lakh but my cibil score is zero help me i need a loan with in tomorrow

Ans: With a zero CIBIL score, getting a loan instantly is very hard.

Try borrowing from friends or family for quick help.

Check if any NBFC or fintech apps offer small loans with minimal credit checks.

Consider a secured loan against gold or fixed deposit for faster approval.

Avoid high-interest payday loans to prevent debt traps.

Start building your credit score for better loans in future.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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My son speaks very slowly and less , don't mix with people he is 18 years old earlier he was not like that but from last 3-4 years he started speaking very less especially at home but talk with 2-3 close friends and younger brother.what should we do to help him to open up him so that he manage his college life (persuing b.tech.just get admission)
Ans: Hi!!
This is actually quite common in adolescence, and there isn’t just one reason.

A teen who used to talk a lot may become quieter over time because of changes in their emotional, social, and cognitive development:

* They become more self-aware. As teens grow, they often start thinking more about how others perceive them. This can make them more cautious about what they say.
* They’re processing more internally. Younger children often think out loud. Older teens may spend more time reflecting internally instead of verbalizing everything.
* Social experiences affect confidence. Criticism, embarrassment, bullying, rejection, or feeling misunderstood can lead someone to speak less.
* Friendships and family dynamics change. Teens may withdraw from parents while becoming more selective about who they talk to.
* Stress and responsibilities increase. School pressure, exams, future planning, and personal challenges can leave less mental energy for casual conversation.
* Their personality may be settling. Sometimes a talkative child wasn’t necessarily an extrovert; they were simply comfortable. As they mature, their natural communication style may become quieter.

Just check that the reason for this behaviour is not because of-
Anxiety, depression, low self-esteem, or chronic stress!

It’s also important to distinguish between:

* A normal developmental shift: talking less, but still engaging with people and enjoying activities.
* A concerning change: becoming withdrawn, isolating themselves, losing interest in things they used to enjoy, or showing signs of distress.

...Read more

Radheshyam

Radheshyam Zanwar  |8071 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 08, 2026

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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