Photo by Viviana Rishe on Unsplash Three people in India got their loan applications rejected on the same Tuesday morning. None of them did anything obviously wrong. None of them had a "bad" CIBIL score by common standards. And yet the SMS arrived within minutes: "We are unable to process your loan at this time." Here are their stories — three real patterns (names changed) that account for the majority of unexplained rejections in India today. If you've been turned down recently, you'll probably recognize yourself in one of them. More importantly, you'll see exactly what each of them did next to get approved. Ramesh: The Panic-Applier Ramesh is 29, works as a marketing coordinator in Mumbai, and earns ₹42,000 a month. His CIBIL score is 680 — not great, not terrible. His sister's wedding was six weeks away, and he needed ₹80,000. He opened five different loan apps in one evening and applied to all of them. Four rejected him within the ...