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Ramalingam Kalirajan |11182 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 29, 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

Question by Akashdeep on May 29, 2025

Money

I need a loan of 3 lakhs my cibil score is 0

Ans: With a CIBIL score of 0, getting a regular loan is tough.

Try the following options:

Approach small finance banks or NBFCs.

Offer a guarantor or collateral.

Consider a gold loan if you have ornaments.

Apply for a secured credit card and build credit.

Start small. Build repayment history for better loan chances ahead.

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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Ramalingam Kalirajan |11182 Answers |Ask -Follow

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

Asked by Anonymous - May 29, 2025Hindi

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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

Ramalingam Kalirajan |11182 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 30, 2025

Question by Lone - May 29, 2025

Money

I need loan urgent. My cibil is 650

Ans: With CIBIL score 650, loan approval is difficult.

Improve score or try NBFCs, but rates will be high.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |11182 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 01, 2025

Asked by Anonymous - Jun 01, 2025

Money

i need a personal loan my cibil score is550

Ans: With a CIBIL score of 550, getting a personal loan is very difficult.

Try these steps:

Improve your score first by clearing outstanding dues.

Avoid applying to many lenders at once.

Try NBFCs or peer-to-peer lenders, but expect high interest.

Consider gold loan or loan against FD if urgent.

Build your credit score above 700 for better options.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Purshotam Lal | Answer |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 20, 2026

Asked by Anonymous - Jan 13, 2026Hindi

Money

Hi sir, i need 2 lakh personal loan immediately, but my cibil is low, how can I get the loan

Ans: Normally when CIBIL score is low then there are Entities which analyse your past cash flows and earnings as well as stability of your income and then can sanction loans. The interest rates charged by these entities may be much higher. These entities include NBFCs, Micro Finance Companies and Digital Lenders etc. Rest you can search on the internet.

All the Best.

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Question by Nitesh - May 24, 2026Hindi

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Sir my CRL rank is 126000 in jeemains and OBC NCL FROM WEST BENGAL IS 42000. IN THIS CASE CAN I GET A SEAT IN JOSSA OR SHOULD I GO FOR AMRITA VISHWA VIDYAPEETHAM BANGALORE FOR BTECH CSE

Ans: You have chances with lower branches in some newer NITs/GFTIs, but for CSE, Amrita is the safer and better option overall if finance is not the issue for you.

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Asked on - May 24, 2026 | Answered on May 24, 2026

Can I get admission in good college in cse in csab counselling at CRL 126000

Ans: Chances are on the borderline.

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Ans: ECE at Saveetha has good infrastructure and a flexible learning system, but core ECE placements are average, and faculty quality is mixed. Overall, it is fine if your son focuses on skills, internships, and preparation for higher studies alongside college academics. If no other alternative is available, you can go with Saveetha. (The information is collected from online sources, as it is not possible for us to know all the details about any college/institute)

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Question by Aditya - May 24, 2026Hindi

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Sir I got 98.3 percentile in mains and around 95 marks in advance hope to get a rank around 15k to 16k rank should I got for lower iits core branch like civil mechanical metallurgy or tier 2 nits electrical engineering

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Question by Divinesha - May 23, 2026Hindi

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I got 85 marks in COMEDK. What all colleges can I get with that, considering I want to pursue ece vlsi or ece or aerospace only. Also, I'm from Chandigarh, so I don't have HS quota. Additionally I'm getting metallurgy and civil at PEC, Electronics at Thapar (but it's too costly) and ece at CCET, sector 26 Chandigarh. Which of these, and the clgs I can get via COMEDK, are the best options considering my main focus is chip designing for military missiles and air crafts and I want to prepare for GATE and go for Mtech so placements aren't a big deal for me. My main concern is that the teaching quality and labs should be good and help me in case I also want to get a PhD in future... I'd be really grateful if you could rank them please...

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Asked on - May 24, 2026 | Answered on May 24, 2026

Thanks for answering. Will you please elaborate the difference between the two and ground for preferring IGDTUW?

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Sir with a 3049 rank in aeee and 93.29percentile in jee mains is it possible to get amrita coimbatore cce in slab 1 with state quota advantage

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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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