Why was my loan rejected despite having a high CIBIL score?

High CIBIL score (750+) doesn't guarantee approval. Other rejection reasons: (1) High debt-to-income ratio - existing EMIs exceed 50% of income; (2) Insufficient income - below lender's minimum threshold for your city; (3) Job instability - frequent job changes (<1 year each), short tenure in current company (70% of credit card limits; (6) Employment factors - company not in lender's approved list, probation period; (7) Negative remarks - even if settled, comments like 'written off' visible; (8) Age - too close to retirement age for requested tenure; (9) Documentation issues - income proof not matching, address verification failed; (10) Internal lender policies - lending freeze in your profile segment. Solution: Ask for specific rejection reason, wait 3 months before reapplying, try different lender type (NBFC if bank rejected), reduce existing debt, improve documentation.