Check Your Loan Approval Rate.

Do You have at least 6 months salary credits reflected on your bank statement?
Is the company you are employed at is registered as per Govt. norms and regulation?
Do you have multiple Cheque/ECS bounces on your recent loan repayments?
Do your total EMIs(Including Third Party) exceed your monthly salary by more than 50%?
Do you have a poor track record of Loan/Credit-Card repayments?
Do you have any suits filed or any will full defaults in your credit history?