Very very good , sir I had requested on some channels for making videos on banking for bankers but everywhere I found for customer/borrowers. I request you sir kindly make more videos for bankers.
Being bankers we are fully biased towards bankers. There is no shame in it. And we promise that we will continue to be like this. Hep us to reach right people.
Hello Sir, Very nice video made by you, You have explained very well, I have watched your videos like 1) DSCR and 2) CIBIL. I like your teaching style most. Now my request is to you will you make a good video on Piramide of DPDs? For Example First we have to get admition on nursery-) Junir Kg-) senior KG-) Standard 1 etc, -)10th, -) 12th, Graduate. Etc. I hope you got my point. I'm very much eager to watch your knowledgeable video Thank you in advance
Piramide of DPDs in any loan. If I took loan, paid some EMIs but after some days I'm not Able to pay then How my Loan will cross DPDs like -> Bounce- 0 DPD, ->01 to 30 DPDs ->31 to 60 etc................To write off/settlement/
Informative video sir,please make videos on balance sheet analysis and which portion of ITR should be read for proper calculation of term loan eligibility
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Yes, that's true. CIBIL database does not gets updated automatically with your CBS database. CIBIL database gets updated based on information provided by bank. CIBIL does not have the intelligence to understand that more than 90 days means NPA.
@@ShuddhDesiBanking Then seniors say as the finacle is showing a/c as standard, same delegation can sanction the loan (coz for NPA within last 3 years delegation vests with higher authority). Can you suggest something for processing officer to save his skin in this scenario.
@@arunpant17 For accounts which are in your bank you have to go by the status of accounts shown in your CBS which is Finacle in this case. CIBIL to be used for other bank accounts. If the account is with other bank get the sanction letter first then compare it with the account details as reflected in CIBIL. Then get the Confidential Information Report (CIR) or regularity certificate from the respective lender. Hope this was clear :)
Sir maine Vechele loan liya hai,, aur january month me mera cibil score 705 tha aur abhi (july) month me 670 hai,, jab ki mera kisi month emi bounce nahi hua,, hai,, ab mujhe cibil score badane k liye kya karna chahiye
agar hum home loan house wife ke naam par lete hai aur payment husband ki profile se krate h to husband ka civil report dekhte h ya wife ka jinke naam se loan lena hai ?
Sir ager ownership as guarantor ho aur suit filled dikha raha ho to us case main renewal ya fresh loan kia ja sakta hai ? Msme loan main promoters ki cibil ka kitna value hai aur kya dekhna hota hai
Renewal is to be done. For fresh loan seek higher office permission. CIBIL score acceptability varies from bank to bank. General 700 and above are accepted.
Sir, very nice info, kisi ki cibil nikali usme applicant ne gurantee di hui thi kisiki, ab jiski guarantee di hui thi wo loan holder ke written off status nikalta he to hamko applicant ko consider karna chahiye ya nahi
Lets say you are processing a loan of Mr A. Mr A has given guarantee to Mr B for one of his loan in another bank. The loan which Mr. B had taken was written off just what you are trying to say. Usually there should not be a problem in giving loan to Mr A but this written off incident will have a negative impact on the credit score of Mr A as well. So this might pull down the score of Mr A so much that your bank's policy does not permit to give loan to Mr A. Again this written off loan is an indirect liability of Mr A. So it has to be deducted from the Assets Mr A is having to arrive at his net worth. So it that manner also it can affect your credit decision. In some banks rule says if written off loan is more than certain years then the sanctioning authority can go ahead and take further exposure. In some cases the sanctioning power gets shifted to next authority. Whatever might be the case, generally the door is still open for Mr A. What will be a perfect decision it depends upon the credit policy of your bank.
@@ShuddhDesiBanking incident is correct, but the loan was old so the score was good, that is the reason we got into dillema, we asked our RO they told us more than 36 months old loan you can consider, and in our banks manual only score factor is mentioned but this type of case there is nothing written. And very very very nice info sir you eaned a subscriber.
Hi, My CIBIL score is negative in a public sector Bank (They checked in credit vision), but I have taken membership in CIBIL and my score is 772. Why CIBIL score is negative(-1) in the Bank. Could you please answer why there is a difference? Also confirm how can I upgrade the score of credit vision?
Mene 2018 me ek loan close kraya tha.. Bt abhi mene apni cibil report chaque krayi to cibil report me active dikha rha jabki mene loan close kraa diya hai. Jb mene bank walo se bola to unne bhi bola ki aapka loan hmari trlh se close ho chuka hai. To cibil me active kese dikha rha hai.
Quite a common problem. You might have spoken with your branch. They have no lena dena with uploading the data. Uploading CIBIL data is taken care centrally by the head office of banks. Branch has to inform their head office about the matter. Write email to your branch enclosing your CIBIL report. If they donot respond escalate the matter to the higher authorities of the bank.
Sir cibil nikalte hue details Aadhaar and PAN Card ke hisab se but report jo ai uspe thoda frk tha name pe and dob b alg thi y so and ispe hame kya krna pdega
We have already explained that CIBIL works in Garbage in Garbage out principle. So lets say while opening the account there is some clerical error which was not noticed by the supervisor and finally the same data was uploaded in CIBIL. Under this circumstance this may happen. CIBIL is not a replacement for verifying the original documents of the customer. I do believe you already know how to do a proper KYC.
It varies from bank to bank my friend. Generally jis bank mein settlement huya tha woha se to pakka nahi milega. Lekin dussre bank ya NBFC mein mil sakta hai. Aisa nahi ki darwaja band ho gaya.
