By The Sampadak Express
In a rare and unexpected twist, a man from Maharashtra’s Murtizapur district found his marriage proposal rejected not due to personal compatibility or family disagreements, but because of his CIBIL score. This case sheds light on how financial factors are increasingly influencing matrimonial decisions, especially in arranged marriages.
The Unusual Factor: CIBIL Score
The incident unfolded during a meeting where both families were set to finalize the marriage details. The man and the woman had agreed upon the match, and the discussions were meant to confirm the finer points of the wedding. However, the situation took an unusual turn when the bride’s uncle insisted on checking the groom’s CIBIL score before giving his final approval.
The Shocking Revelation
When the woman’s uncle checked the groom’s CIBIL score, he was reportedly taken aback by the results. The man’s credit report revealed multiple loans from various banks, with his CIBIL score also significantly lower than expected. For those unfamiliar with the concept, a CIBIL score is a three-digit number that provides a summary of a person’s credit history. Ranging from 300 to 900, a higher score indicates strong financial stability and a history of timely debt repayments, while a lower score signals potential financial instability, missed payments, and defaults.
In this case, the groom’s CIBIL score was not only low, but his financial history indicated several unpaid loans, raising red flags for the woman’s family. Given the man’s apparent financial struggles, the bride’s uncle felt that he would not be able to offer the financial security that his niece deserved in the future.
Family Consensus Leads to Proposal Withdrawal
After reviewing the CIBIL score, the woman’s uncle became adamant that the marriage would not be suitable, fearing that the groom’s financial burden would impact the stability of the union. His concerns were shared by the rest of the woman’s family, who agreed with his assessment. As a result, the family decided to withdraw from the marriage proposal, effectively calling off the wedding just days before it was to be finalized.
The Growing Importance of Financial Stability in Arranged Marriages
This incident has sparked discussions about how financial stability is becoming an increasingly important factor in arranged marriages. While traditionally, families have focused on the compatibility and reputation of the individuals, factors such as career, income, and even credit history are now playing a larger role in determining whether a match is suitable. For many families, financial security is viewed as essential for a successful marriage, and a poor CIBIL score is seen as a potential threat to long-term stability.
Understanding the CIBIL Score
For those unfamiliar with the system, the CIBIL score is crucial in determining a person’s creditworthiness. It is used by lenders to assess the likelihood of an individual repaying loans and credit on time. A higher score, typically above 750, is considered excellent and reflects a history of sound financial management, while a score below 600 could raise concerns about an individual’s financial responsibility.
While financial compatibility has always been a key consideration in marriages, this case highlights how the CIBIL score, a modern financial tool, has made its way into the traditional process of arranged marriages. In this instance, it led to a marriage being called off, not because of any personal fault of the groom, but due to his financial situation. As more families become aware of the potential impact of a low CIBIL score on future financial stability, it seems likely that this unusual criterion may become more common in the matchmaking process across India.
