While the student requires no credit history, the co-applicant (parent or guardian) should ideally have a CIBIL score of 680 or above. Scores below this benchmark are a common reason for loan rejection.

### How do I change my bank after rejection on the portal?

Log in to the portal, access your dashboard, edit your existing CELAF form if corrections are needed, and choose a new bank or

Written by Rahul Dubey
Tech, AI & Digital Ecosystem Specialist at 99InfoStore, covering artificial intelligence breakthroughs, consumer gadgets, fintech, and digital economy trends.
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