अगर कोई finance कम्पनी आउटस्टैंडिंग ना होने के बावजूद भी cibil में balance दिखाये, वो भी clear होने के कई वर्षों बाद तक, तो क्या उस company को कोई fine लगाने का प्रावधान है। या उस व्यक्ति को कोई benefit पीड़ित के तौर पर मिलेगा। क्योंकि company बहुत बड़ी होती है और एक व्यक्ति Loan लेकर अपना मेहनत करके Loan को ब्याज सहित उतरता है। लेकिन देखा गया है कि कुछ कंपनियां cibil में balance दिखा कर cibil खराब कर रही है। उनको जुर्माना लगा कर पीड़ित को कम से कम1 करोड़ का मुआवजा मिलना चाहिए।
Bhai in every video ask to watch it till the end... buddy you dont have to mention that.... your videos so much informative that I doubt someone will leave in between..Even I am planning to watch all videos on your list but your pace of making videos is faster than I can watch... :)
The reporting date of Banks/NBFCs should be expedited from month-end to 3 days of a financial transaction, such as, payment of EMI, closure of a loan account, issue of NOC, etc. The assessment of credit history of an applicant should be 3 years and less because, even though the financial standing of an applicant improves, the backdated data used by CIBIL will be an unnecessary drag on the applicant. The CIBIL assessments and grading with scores should change faster and should not be valid for more than 3 months, because although the score and comments are assumptions of CIBIL, the Bank/NBFC should make its own assessment and take a wise business decision while considering an application for a loan. The Banks lose business on excessive dependence on CIBIL score, which is outdated in most of the cases. CIBIL scores are misused by Banks by not sanctioning loans to the needy people and under-financing business, trade and industry, thereby pushing loan applicants to worsening financial scores. Your lecture in this video puts the onus on the loanee to enquire his financial status and rectify his CIBIL score; you are totally silent on the extremely slow reporting system in a computerised environment. Times are fast changing, but you are promoting the back-dated systems in CIBIL. The Indian economy is changing rapidly. CIBIL is a drag on the economy. The Banks should be more dynamic and speed-up financing and display better Balance Sheets. The people should have speedier access to loans from Banks at lower and viable rates of interest.
Buraa mat maanana,yahan bank waale middle class aur garib ka cibil check karte hain poonjipatiyon ko bank ki taraf SE SAU KHOON MAAF, tabhi to mallya aur neerav modi ARBO RUPAY lekar FARAAR HAI AB KAHAN GAYA CIBIL
बिल्कुल सच्ची बात। इन लोगो ने उन पूंजीपतियों को लोन देने में कोई संकोच नही जिनका cibil750 से कम है या इससे भी बहुत कम है। लेकिन एक middle class को Loan देने के लिए उसकी balance sheet में हज़ारों नुक्स निकाल देते है। इस बात का भी सर्वेक्षण होना चाहिए कि जिनका cibil score कम है उन्हें Loan क्यों दिया जाता है। जबकि अच्छे cibil वाले को मना कर देते हैं।
Sudam Ghosh - very informative. But please remember in case of Compromise or Settlement of any loan, the banks do not deal in a positive manner to build future financial relationships.
very informative video sir, is video ki mujhe bhut jarurat thi mera CIBIL score 690 aa gya tha mai pareshan tha reason credit card ki payment ka tha jiski wajah se aisa hua because job chali gai thi
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बहुत महत्वपूर्ण जानकारी सर् मेरा सिबिल स्कोर 745 है ये ठीक है या कम है प्ल्ज़ बताये एक होम लोन चल रहा लेकिन मैंने कभी भी EMI मिस नही किया है टाइम टू टाइम पे किया है 🙏
Sir, make a video about how to file a CIBIL dispute. I'm stuck with a lot of things I don't understand while raising a dispute. Thanks. One of my card's limit is shown as Zero, so raising a dispute.
Thank you for the excellent video. I always paid my credit card bills on time but in the past I had missed paying the annual n joining fees unknowingly that it impacts my credit score. Except that I always have paid my credit card bills on time n in full. Can you please suggest how to rectify that. Do I NEED TI GET AN NOC FRON BANK ?
Sir.. Agr kisi person ka Bank k sath koi Dispute ho jata hai. Aur person Bank ki EMI ya Outstanding dena band kar deta hai.. jiske ki vajah se us person Civil Score kharab ho jata hai.. magr Court se Faisla Person k Favor m aata hai.. mean Galti Bank ki Nikalti hai jiske vajah se uska civil Kharab ho jata hai.. toh aise Situation me Civil Score kaise thik hota hai..? Please make a video on this topic
Hello sir Firstly heartly thanks for providing this imp... type of information I have a question. Hope you will answer it.. Does more numbers of Bank account reflects on cibil score negativity & Same q. For the minimum A/c bank balance account also(1000-4000₹)? Shubham pandey😊
Sir mera cibil score 632 Maine car loan liya tha aur time peh payment nahi huwa mera cibil 632 peh agaya aur maine full settlement karke pura loan clear kardiya 6 months back. still mera cibil uthna he hai mere paas credit card nahi koansa be my kaise apna cibil improve kar saktha houn plz plz bataiye....
Mera 10k ka consumer durable loan tha woh maine time pe pay kiya tha bich me salary late hone ke wajah se 2 bounce hue the lekin maine woh penalty bhi pay ki thi. 3 saal baad bank se call aya ki apka 7300 overdue hai. 10k ke liye itna overdue. Uske wajah se mera score 684 hai ab me kya karu
Bhaiya Vijay maalyaa ka cibil shayad 9000 ke uper tha tabhi to saare banks ne maalya ko bina kisi collateral, civil ke janta ke crore Rupay apna baap ka maal samjh kar de diya
Hello Sir. It was an impressive vdo on improving cibil score. My question is it mandate to close a savings or salary acc made by mistake where negative balance shows up ? Does it affect the cibil score ? Please reply on it ..
Freez hone k wajah se CIBIL effect nhi hota, but EMI k bounce honese agar AC freez hota hai to CIBIL effect hoga, aur recover bhi jyada kuch nhi hota. Best option EMI clear kro our koi bhi bank ka FD against Credit card lele aur wo bhi 30% hi limit use kro our waqt pe payment kro within a 6-7 months CIBIL 800+ jayega
Mera CIBIL bhi 590 tha, but maine secure loan liya 50k ka glod loan and Credit card against FD. Waqt pe repayment kiya aur 7-8 months me mera CIBIL 812 tak aaya hai.
my CIBIL score is 790... and i want a home loan... need to boost my score to 800 for better ROI. i want my score increased by 10 points in one month.. plzz help me in this regard.
hello sir, please suggest as to whether we should buy laptops etc on emi's / zero %emi from various banks such as bajaj finanserv.does it affect our credit history in any way.
Mera cibil kafi achha tha 780 lakin ek laon main mere ECS main Singh mathch nhi hue uski wajah se Mera cibil kharab hogya... Us doran kya kre... My name prithvi
@@AssetYogi sir to kya Jo loan settlement ka Jo BHI outstanding amount he wo pehle bharna hoga ya nahi...fir kya unsecured loan or unsecured c c ban payenge?
Thank you sir very much Sir agar maine credit card ka emi kiya hai aur uska bhi 4/5 din pay karne ke liye lete hota hai to kya cibil score kam hota hai. Pls explained.
Even though cibil score is above 750 sometimes, cibil report shows od, then after referring to previous loan track only financer approve will the loan.
If some money is borrowed from a company and as per their demand the amount is paid off . Later it is found that the company has shown some amount as written off and the company is now no existence . How a borrower can improve his civil score?
Is there a possibility of paying off my credit cards in full post settling the credit cards? See I have settled my Citi Bank Credit Card for 45k instead of paying total credit limit of 62k. And in my CIBIL report the Citi Bank credit card is showing as settled/written off. Now, I want to pay the rest of the amount (62k - 45k = 17 k plus any interest charges if any) Can I pay off that amount? Asset Yogi, Please give me guidance for this and where should I contact for my closed or settled credit card?
Most of the RU-vidrs of your ilk say that we should use only a limited amount of credit available in credit cards but you have not considered the point that those who use major chunk of the credit card limit do payoff their dues in full and on time. You have not even mentioned this aspect in the video. I think regular bulk usage of the maximum credit limit and timely & full payment thereof do have a positive impact on CIBIL score of an Individual. What's your take on this?
Sir please reply, Maine Gold loan liya increase karne ke liye but uska payment one time fully paid karna hai..1 year mein with interest..na ki every month...To kya mera CIBIL badhega secured loan ki vajah se.
Even though your loan repayment schedule is on bullet payment, you can still make prepayments (however, in cases of private banks/FIs prepayments may sometimes attract prepayment penalties).
Dear sir, I need some suggestions from you. I taken a product loan from zestmoney and I paid all emi but my payment status is not good for my bank account problem. I paid my last emi 2 month ago. And cleared my all emi but zestmoney not close my account. And also zestmoney updated my cibil report as a default account. Many times I send mails and also called zestmoney customer care but not solved.
Sir jisne. Kabhi loan na liya ho first time. Loan le raha ho wo kaise cibil maintain kare wo batao.... Humne toh loan kbhi nhi liya first time. Lene ja rahe hai....
sir maine axis bank ka credit card ka settlement kiya he unone letter bhi dya lekin abhi tan cibil me wo close nahi hua he to kitan time lagega close hone ko
Are Bhai to Aap itna pareshan kyo ho rahe ho Jo amount sho Kar Raha hai us ko dispute Kar de Bhai 2.3 me hat jayega Bhai me bhi ye sab karta hu ok Bhai kucha problem hoto muje email karna ok Bhai mein sab help karunga pareshan mat hona ok brw
