Life after limb loss is already tough. But for many, the cost of getting a good prosthetic hand or limb adds another heavy burden. At Robobionics, we work every day to make advanced prosthetic hands like Grippy™ more affordable and accessible. Still, even with our lower pricing, many people need to pay using EMIs (easy monthly installments). And that’s where your CIBIL score comes into the picture.
It’s not a topic people love to talk about, but your CIBIL score can be the one thing standing between you and the support you need. The truth is, most banks and lenders use this score to decide if they should give you a loan or EMI plan. If your score is too low, your request might be rejected—even if you really need that prosthetic to get back on your feet, go back to work, or feel whole again.
So how do you improve your chances? How do you make sure your EMI for a prosthetic gets approved easily? This guide is here to help. We’ll break down everything about CIBIL scores, explain how they affect prosthetic EMIs, and give you real, step-by-step tips to make your approval odds better—no jargon, no confusion.
Let’s get started.
What is a CIBIL Score?
Your Financial Report Card
A CIBIL score is a three-digit number that shows how good you are with money, especially borrowed money. It ranges from 300 to 900.
A higher score means you’ve been good at paying back loans and credit card bills. A lower score means you’ve either missed payments, borrowed too much, or struggled with repayments.
Who Creates the Score?
CIBIL stands for Credit Information Bureau (India) Limited. It’s one of the oldest credit bureaus in India.
Banks, credit card companies, and lenders send your financial data to CIBIL. It then uses this data to create your score. This score tells lenders how risky it might be to lend money to you.
If your score is high, lenders feel confident. If it’s low, they worry you might not pay them back.
Why Does the CIBIL Score Matter for Prosthetic EMIs?
EMIs Depend on Trust
When you apply to buy a prosthetic hand like Grippy™ on EMI, the company or lender is basically giving you a loan.
They trust you’ll pay back in small parts every month. But that trust isn’t blind. They want proof that you can pay on time.
That proof is your CIBIL score.
Low Score = High Risk
If your score is low, the lender sees you as a risky customer. They think there’s a chance you won’t pay back on time or at all.
As a result, they may do one of the following:
- Reject your EMI application
- Ask for a higher down payment
- Charge more interest
- Offer a shorter repayment period
None of these help when you’re already trying to rebuild your life with a prosthetic.
What CIBIL Score Do You Need to Get an EMI?
The Magic Number
In most cases, you’ll need a CIBIL score of 700 or above to easily get EMI approval.
If your score is 750 or higher, that’s even better. It shows you’re highly reliable.
If it’s between 600 and 700, there’s still a chance. But you may need to give more documents or explain past issues.
If it’s below 600, your chances go down. Some lenders may say no, or offer terms that aren’t helpful.
It’s Not Just the Score
While the score is important, lenders also look at:
- Your current income
- Past loans or EMIs
- Any missed payments
- How much money you already owe
So even if your score is average, good income and clean records can still help.
How to Check Your CIBIL Score
It’s Free and Easy
You don’t need to pay to check your CIBIL score. Everyone is allowed one free report per year from CIBIL.
You can visit www.cibil.com and follow these steps:
- Sign up using your name, PAN card, and phone number
- Answer a few questions about your loans or credit
- View your score and download the report
If you’ve never taken a loan or credit card, your report may say “No Credit History” or “NH”. That just means the system has no data to score you.
Other Places to Check
Apart from CIBIL, other platforms like Paytm, BankBazaar, PaisaBazaar, or CreditMantri also show your credit score for free. They might even help you track your score over time.
Make it a habit to check your score every few months. That way, you catch mistakes or problems early.
What If You Have a Low Score?
First, Don’t Panic
A low CIBIL score doesn’t mean your EMI dreams are over. It just means you need to be smart, plan a little, and maybe wait a bit before applying.
Many people improve their score in just a few months by following the right steps.
Let’s look at those now.
Steps to Improve Your CIBIL Score Before Applying for a Prosthetic EMI
Pay Your Bills on Time, Always
This is the biggest factor. One missed credit card bill or loan EMI can drop your score fast.
Set reminders, use auto-debit, or write it on your calendar—but never miss a payment again.
Even paying the minimum amount is better than paying nothing.
Reduce Your Credit Card Usage
If you have credit cards, try to use only 30-40% of your limit. This shows you’re responsible and not over-dependent on credit.
If your credit limit is ₹1,00,000, try to spend no more than ₹30,000–₹40,000 per month.
Pay Off Small Loans First
If you have multiple loans, try clearing off smaller ones quickly. This lowers your overall debt and makes your profile stronger.
Every closed loan in your report shows you can be trusted.
Avoid Applying for New Credit Too Often
Each time you apply for a loan or EMI, a record is added to your report.
If you apply too many times in a short span, it looks desperate—and risky.
Instead, wait till your score is healthy before applying.
Check Your Report for Errors
Sometimes, your report might have mistakes—like showing a loan you never took or a payment you already made.
If you find an error, raise a complaint with CIBIL. Getting it fixed can boost your score.
Build a Credit History If You Don’t Have One
If you’ve never taken a loan or used a credit card, lenders don’t have enough data on you.
You can start small:
- Get a secured credit card (linked to a fixed deposit)
- Take a low-limit credit card and use it carefully
Within 6 months, your score will start to build.
How Long Does It Take to Improve Your CIBIL Score?
Patience Pays Off
Improving your CIBIL score isn’t instant. It’s like healing. You take small steps every day, and over time, you see big changes.
For most people, if they follow the right steps, scores can start improving in 3 to 6 months. In some cases, it may take longer if there were major defaults or large unpaid loans.
But the good news? It’s always possible to improve. Every on-time payment, every smart money move adds up.
Consistency is Key
Even if you fix your habits today, lenders still look at your past. That’s why you need to show consistent good behavior for a few months before applying for an EMI.
It’s not just about one month of good payments. It’s about steady, regular progress.
That shows lenders you’re serious and responsible.
Should You Still Apply for an EMI if Your Score is Low?
Think Before You Apply
If your CIBIL score is low, applying without a plan can hurt you more. Every rejection leaves a mark on your credit report.
Instead, wait a little. Focus on improving your score for a few months. Then apply when your chances are higher.
This saves you from heartache and helps you get better EMI terms.
If You Must Apply Now
Sometimes, waiting is not an option. You may urgently need a prosthetic for work, mobility, or daily life.
In such cases:
- Try applying with a co-applicant who has a better score
- Choose NBFCs (non-banking financial companies) that are more flexible than banks
- Show proof of regular income or savings
- Explain your situation openly, especially if your score dropped due to health or job loss
Some lenders may still say yes if they see honesty and potential.
How to Improve Your EMI Approval Chances Without Changing Your Score
Offer a Bigger Down Payment
Even if your score is not great, a larger down payment shows commitment.
If you can pay a higher upfront amount, the lender’s risk goes down. They may approve your EMI request more easily.
For example, instead of paying 10% as a down payment, try offering 30–40% if possible.
Choose a Shorter EMI Tenure
Long EMIs mean more time and more chances of missing payments.
Shorter EMIs mean quicker repayments, less risk for the lender, and higher chances of approval.
It also means lower overall interest paid by you.
Get a Guarantor or Co-Applicant
If you know someone with a good credit score—like a family member—they can apply with you as a co-applicant.
This makes the lender feel safer because there’s someone else to take responsibility if needed.
Make sure the co-applicant is fully informed and agrees clearly.
Show Proof of Steady Income
If you’re working, show your salary slips, bank statements, or ITRs (Income Tax Returns).
If you’re self-employed, show business income or contracts.
Even if your score is low, stable income can build confidence with lenders.
What Robobionics Is Doing to Help
We Understand the Struggle
At Robobionics, we know that money can be a real challenge after an amputation.
Medical costs, job loss, or time off work can affect your financial health—and your credit score.
That’s why we don’t just stop at making affordable prosthetics. We also try to support you through your EMI journey.
EMI Options Through Trusted Partners
We work with financing partners who are familiar with prosthetic needs.
They understand your situation better than regular lenders. In some cases, they are more flexible with scores or paperwork.
We guide you through the process, from application to approval, and even help you understand your credit report if needed.
Personalized Help
Every person’s journey is different. Some had a score drop due to medical emergencies. Others are just starting to build credit.
Whatever your story, we’ll listen and support.
We want to see you back on your feet, literally.
Is Grippy™ Available on EMI?
Yes, Absolutely
Grippy™, our flagship bionic hand, is available with EMI options through selected partners.
We’ve worked hard to keep the cost between ₹2.15 to ₹3 lakh, which is much lower than most imported hands.
Through EMI, you can break the cost into smaller, more manageable monthly payments.
This means you don’t have to wait for years to save up—you can start your new life sooner.
How to Apply for Grippy™ on EMI
- Visit our website and book a demo
- Talk to our team about EMI options
- Submit basic documents like ID, income proof, and CIBIL report (if available)
- Our partner will review your application
- Once approved, you receive your Grippy™, and EMIs begin
It’s simple, fast, and transparent.
Common Myths About CIBIL Scores and EMIs
Myth 1: “I Don’t Use a Credit Card, So My Score Must Be Good”
Actually, not using a credit card or loan doesn’t help your score. In fact, it might mean you don’t have a score at all. Lenders need to see a history of how you handle borrowed money. If there’s no history, they can’t judge how safe it is to offer you an EMI
A better approach is to use a credit card wisely—pay bills on time and use only what you need. This builds a healthy score over time
Myth 2: “Checking My CIBIL Score Often Will Lower It”
This is only true for hard inquiries, which happen when a bank checks your score during a loan or credit card application. When you check your score, it’s called a soft inquiry. It has no impact on your score at all
In fact, checking your score often helps you spot mistakes and keep track of your progress
Myth 3: “Once My Score Drops, I Can Never Fix It”
Absolutely not true. Anyone can fix a low score. Yes, it may take a few months. But with the right habits—on-time payments, low credit usage, and no unnecessary loans—your score can improve steadily. Many people raise their scores by over 100 points in under a year
Myth 4: “I Got Rejected Once, So I Should Apply Again Immediately Elsewhere”
After a rejection, many people rush to apply somewhere else. But this only makes things worse. Every application shows up on your credit report. Too many applications in a short time makes you look desperate, and lenders become cautious
Instead, take a pause. Understand why your application was rejected. Fix the issue. Then apply again when your profile looks stronger
What Documents Are Needed for a Prosthetic EMI?
Basic Paperwork That Matters
If you’re applying for an EMI to buy a prosthetic hand like Grippy™, you’ll need to show you can pay it back. That means sharing a few documents with the lender
These usually include:
- PAN card: To verify your identity
- Aadhaar card: As address and ID proof
- Bank statements: To show income and regular activity
- Salary slips or income proof: If you’re working
- CIBIL report: If available, to show your score
- Photographs: For records and identification
The exact documents may vary slightly based on the lender, but these are the basics you’ll need to keep ready
What If You Don’t Have Some Documents?
If you don’t have salary slips or a CIBIL report, don’t worry. Some lenders accept alternate proofs like savings records, GST filings (for self-employed people), or letters from employers. Our team at Robobionics will guide you on what’s needed and help you through the process
The Role of Emotions in EMI Approvals
It’s Not Just About Numbers
When you apply for a loan or EMI, it feels like just a financial thing. But behind the numbers is a very real, very personal story. Especially in the case of prosthetics
You’re not buying a car or phone. You’re buying a second chance. A tool to help you hold your child’s hand. Return to work. Cook a meal. Regain control. And that matters
We understand this at Robobionics. That’s why we believe in empathy-driven lending. When you share your story, when you’re honest about your situation, it can go a long way. It’s not a guarantee—but it does help lenders see you as more than just a number
Speak Up, Ask Questions
During the EMI process, don’t stay quiet. Ask questions. Explain your challenges. Share why you need the prosthetic now. Most lenders and EMI partners are human too. And they listen when you speak from the heart
This personal touch, paired with a solid plan to repay, can tilt the decision in your favor
How to Build Your Score If You’ve Never Had Credit Before
Start With a Secured Credit Card
If you’ve never taken a loan or used a credit card, your score will likely show as “NA” or “NH” (no history). Lenders can’t judge your risk—and that makes them hesitate
To build a score from scratch, apply for a secured credit card. This card is backed by a fixed deposit. You get a credit limit based on the amount you deposit
Use it lightly, pay it off in full every month. In 3–6 months, your CIBIL score will begin to show up and grow
Try a Small Consumer Loan
Another method is to take a very small loan—maybe for a phone or appliance—and pay it back on time. It’s not about the product. It’s about building a history of trust with lenders
Every successful repayment adds to your score and shows that you’re a safe borrower
Become an Authorized User
If a close family member has a good credit card history, they can add you as a secondary user. Their payment history helps build your score too, though it won’t count as much as your own record
Still, it’s a helpful shortcut when you’re starting from zero
When Is the Best Time to Apply for a Prosthetic EMI?
Timing Matters
Applying for an EMI at the right time can make a big difference. If your CIBIL score just improved, or you recently cleared a loan, that’s a great time to apply. Lenders will see those fresh updates and feel more confident
Avoid applying just after a financial setback—like missing a credit card payment or getting a loan rejected. These red flags stay visible on your report for a few months
If you know you’ll need a prosthetic soon, start planning early. Begin improving your score now so when the time comes, you’re ready
Before You Apply, Ask Yourself
- Is my score healthy enough for approval?
- Can I afford the EMI every month without stress?
- Do I have all my documents in place?
- Do I have someone who could co-sign, if needed?
Being prepared is better than being hopeful. A little work upfront saves you from disappointment later
Your Next Steps With Robobionics
Book a Free Demo
If you’re serious about getting a prosthetic hand like Grippy™ and want to explore EMI options, the first step is simple—book a free demo with our team. No pressure. No pushy sales
We’ll show you how the hand works, answer your questions, and guide you through the financing process if you choose to move forward
You can schedule a demo right here: https://www.robobionics.in/bookdemo/
Talk to Our EMI Advisors
We know every person’s financial story is different. That’s why we offer personalized help. Our team will look at your CIBIL score with you, explain what it means, and tell you honestly what your options are
We’ll never judge. We’ll never shame. We’ll just help
Whether your score is high, low, or you don’t even know what it is—we’re here to walk you through it
In Summary: You Have More Control Than You Think
A CIBIL score may be just a number, but it doesn’t define you. It’s just one piece of the puzzle
If you’re dreaming of a bionic hand, if you want to regain your independence and confidence, don’t let a credit score stop you. Learn the rules. Take small steps. And know that with the right guidance, your chances of EMI approval can grow stronger every day
You deserve support. You deserve dignity. And at Robobionics, we’re here to give you both
So go ahead—take the first step today
Book a demo. Check your score. Ask for help. Your new beginning is just around the corner