Lecture 71: What is CIBIL report, CIBIL score and How to analyse and read the CIBIL

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  • Опубліковано 5 жов 2024
  • In this video, I have presented some snapshots of actual CIBIL reports of some persons and from there i have tried to give actual idea of how to read and understand the CIBIL report from bank's point of view. Some of the key points in this video shall be:
    Relevance of borrower name, Date of birth and identification proofs in CIBIL
    Relevance of borrower phone no. and different addresses appearing in CIBIL and how to use them to understand more about the borrower.
    What is the meaning of days past due i.e. DPD's string in the CIBIL report.
    How do we understand different reportings like SUB, DBT, STD, SMA, in the CIBIL report.
    What are CIBIL enquiries and do they impact the CIBIL score.
    What is the consequence if CIBIL is generated without your permission?
    Pl watch and subscribe to this channel for more such videos. New videos on credit management in banking coming soon.
    #cibil #CIBIL #CIBILreport #HowtoreadCIBILreport #HowtoassessCIBILreport #howtoanalyzeCIBILreport #howtoanalyseCIBIL #CIBILanalysis #CIBILscore #CIBILenquiries #DPDinCIBIL #DelinquencyinCIBIL #defaultinCIBIL #SUBreportinginCIBIL #SMAreportinginCIBIL #DBTreportinginCIBIL #STDreportinginCIBIL #creditinformationbureau #creditscore #CIBILhistory #credithistory #dedupecheck #externaldedupe #whatisCIBILreport #whatisCIBILscore #whatisminimumCIBILscore #CIBILunderstanding #consumerCIBIL #individualCIBIL #commercialCIBIL

КОМЕНТАРІ • 136

  • @himanshugohel4035
    @himanshugohel4035 24 дні тому +1

    Great information. I was confused when I open cibil..bt you are great sir...thankyou very much
    For information

  • @sindhushb.1272
    @sindhushb.1272 Місяць тому +1

    TQ sooo much Sir. Clear and neatly explained...

  • @viswajaan
    @viswajaan 5 місяців тому +1

    "Thank you very much, sir. A video like this would surely provide motivation and support to us, especially for a new credit manager like us, Sending warm regards from Guwahati, Assam."

  • @pankajdhyani6102
    @pankajdhyani6102 Рік тому +3

    For me this UA-cam chanel is blessing.🙏🙏

  • @sandeepdhami5746
    @sandeepdhami5746 Рік тому +2

    This video helped me a lot.. Thnx for the information.

  • @apurvadavda7403
    @apurvadavda7403 9 місяців тому +1

    Amazing Content for Knowledge improvement and Career Growth. Thank you so much Sir 🙏🙏

  • @chinmaymankar636
    @chinmaymankar636 Рік тому +1

    Thank you sir for the efforts. Will help us to make to system more robust

  • @sardarkhan5751
    @sardarkhan5751 2 роки тому +1

    47:11 mujhe yeh doubt rehta tha CIBIL mein hamesha se. Thanks for clarification sir.

  • @yogendradevrajsingh8149
    @yogendradevrajsingh8149 2 роки тому +3

    I always waiting every Sunday for your videos . Thanks sir !

  • @tusharjoshi1919
    @tusharjoshi1919 2 роки тому +3

    you given good guidance about credit underwriting.
    Keep create more video about credit analysis..

    • @AnkushJain
      @AnkushJain  2 роки тому +1

      Thank you 👍

    • @prateek8853
      @prateek8853 9 місяців тому

      ​@@AnkushJainSir , Hard enquary kitne years tk cibil report me rahti hai ?
      Kitne saal baad automatic hat jati hai ?

  • @aadjain4992
    @aadjain4992 Рік тому +1

    Dear sir,
    It's a really very nice video ...But the theoretical meaning of STD is DPD upto 90 days .

    • @AnkushJain
      @AnkushJain  Рік тому

      No. STD means standard asset without any DPD

  • @AmitKumar-wf4ly
    @AmitKumar-wf4ly 2 роки тому +2

    Please make video on supplychain finance and its assessment methods

  • @gurpreetSingh-pz7bo
    @gurpreetSingh-pz7bo 2 роки тому +1

    Thanks .... After Commercial Cibil..Pl..Make Full Explained Video of Terms STD, DBT, LSS, Write-off, SMA1,2,3, NPA,Etc. with example.

  • @akshayjayendrabansile9222
    @akshayjayendrabansile9222 Рік тому +1

    Great explanation u r legend i love u sir

  • @anshgupta5471
    @anshgupta5471 4 місяці тому +1

    Excellent explanation 😀

  • @akashmaske8328
    @akashmaske8328 Рік тому +1

    sir how to read ITR and computation of income....please uske upar ek video banao

    • @AnkushJain
      @AnkushJain  Рік тому

      ua-cam.com/video/231s70CqdR4/v-deo.html

  • @ankitsharma-bz5kv
    @ankitsharma-bz5kv 3 місяці тому +1

    Thank you Ankush sir

  • @arnabganguly5634
    @arnabganguly5634 3 місяці тому +1

    Very informative sir

  • @viveksen9447
    @viveksen9447 2 роки тому +1

    Very nice explanation sir, Thanks sir

  • @Kiran-lf4um
    @Kiran-lf4um 2 місяці тому +1

    Thankyou sir

  • @ganeshk6797
    @ganeshk6797 7 місяців тому +1

    Great Info sirji.🙏

  • @MDVaashir
    @MDVaashir 2 роки тому +1

    Watched and learned.

  • @ramugehlot1274
    @ramugehlot1274 2 роки тому +5

    Sir one viedo balance sheet finalized par banao

    • @AnkushJain
      @AnkushJain  2 роки тому

      Sure

    • @ketanparekkh
      @ketanparekkh Рік тому +1

      I also want this... One video on Financial Analysis wrt to Underwriting..

  • @garimabindal1126
    @garimabindal1126 2 роки тому +1

    please explain gst reg criteria, exempted from gst,how to verify sales if not registered under gst in your next video pls

    • @AnkushJain
      @AnkushJain  2 роки тому +1

      It will take time but I will explain it in banking analysis topic

  • @MONUKUMAR-xu7xg
    @MONUKUMAR-xu7xg 2 роки тому +1

    As told either DPD is written in number like 50 DPD it also means SMA-1 but what does DPD of 900 days would mean in CIBIL report here

    • @AnkushJain
      @AnkushJain  2 роки тому

      Clearly substandard but usually these dpd are related to credit cards or dispute related to pending charges on closure of loans. Most of time loans are closed in such cases and dpd reflect only due to some small amount of charges pending

  • @amolkini1677
    @amolkini1677 Рік тому +1

    Thanku so much sir for nice information..please make video on financial plotting.

    • @AnkushJain
      @AnkushJain  Рік тому

      Thank you. Financial plotting you mean cma data preparation?

    • @amolkini1677
      @amolkini1677 Рік тому +1

      @@AnkushJain yes sir I am belong to Auto loan sector ..while putting multi deal like 3 units or 4 units of car that time ITR Plotting is must .. different rations in plotting like PBDIT ,ICOR,DSCR Which concepts still not cleared ..

    • @AnkushJain
      @AnkushJain  Рік тому

      ua-cam.com/play/PLjlclsu02a_z210w1g5SBcZLMGOK4QaQm.html
      Pl check this

    • @amolkini1677
      @amolkini1677 Рік тому

      ​@@AnkushJain thanks for prompt reply

    • @AnkushJain
      @AnkushJain  Рік тому

      👍

  • @ouroyester7414
    @ouroyester7414 Рік тому +1

    Dpd will always shows when payment skipped from current month, if payment made in same month no dpd will reflect

    • @AnkushJain
      @AnkushJain  Рік тому

      Its a bit debatable, sometimes it reflects and sometimes it doesn't

  • @sanjayakumarsahoo6706
    @sanjayakumarsahoo6706 11 місяців тому +1

    Sir.. If date of birth in cibil doesn't match with kyc. What we should check.
    If DOB match with any one, then what we should check.

    • @AnkushJain
      @AnkushJain  11 місяців тому

      Discuss with borrower if any updation done in Kyc for dob. Pull two cibil with both different dob. Undertaking to be taken from client that the actual dob as per kyc is correct one and there was no other dob of client other than this updated in any govt. Record

  • @deveshbaghele1903
    @deveshbaghele1903 Рік тому +1

    Nice session sir

  • @srikanth4874
    @srikanth4874 11 місяців тому +1

    Sir if you do videos in English it will be more helpfull i am from south india using subtitles i am trying to understand

  • @Rohit-ru2tu
    @Rohit-ru2tu 2 роки тому +1

    hello sir, On next lecture please used pdf format credit report to understand better, Hide individuals details for privacy.

    • @AnkushJain
      @AnkushJain  2 роки тому

      Not possible since I can not send others credit report to my personal id

  • @ramugehlot1274
    @ramugehlot1274 2 роки тому +1

    Thank you🌹🌹🌹

  • @vpstocktradingfoodlover6004
    @vpstocktradingfoodlover6004 11 місяців тому +1

    Sir if Due date of emi is 10th August and Emi deposited by customer is on 30th August than how many days DPD mentioned in CIBIL. 10 days will counted or 30-10= 20 days DPD will be mentioned in CIBIL

  • @AmitKumar-wf4ly
    @AmitKumar-wf4ly 2 роки тому +1

    Nice video

  • @prateek8853
    @prateek8853 9 місяців тому +1

    Sir , Hard enquary kitne years tk cibil report me rahti hai ?
    Kitne saal baad automatic hat jati hai ?

    • @AnkushJain
      @AnkushJain  9 місяців тому

      Maine to 10-12 yrs tk purani bhi dekhi Hui hai.. so aise idea nhi k kitni purani hat jaati hai..

  • @shivangnpatel3326
    @shivangnpatel3326 Рік тому

    Hello sir What is meaning of loan showing as account sold in borrower CIBIL

    • @AnkushJain
      @AnkushJain  Рік тому

      Means the loan portfolio is purchased by some other financial institution

  • @vinaypandey9088
    @vinaypandey9088 Рік тому +1

    Thanks sir,

  • @ramugehlot1274
    @ramugehlot1274 2 роки тому

    Sir sunday gaya viedo nahe banaya ap ke video ke leye to sunday ka entjar karte hi plz upload karo na balance sheet ke uper ak video

    • @AnkushJain
      @AnkushJain  2 роки тому +1

      Hi ramu. I missed making video due to personal work. Will upload tomorrow. Thanks for being patient 👍

  • @lakecityvlog8914
    @lakecityvlog8914 Рік тому +1

    Sir, is there any ways to find out the multiple cibil inquiry status and institutions name ?

    • @AnkushJain
      @AnkushJain  Рік тому

      No, customer can pull his detailed cibil and from there only we can see the banks name by whom inquiry was done.

    • @lakecityvlog8914
      @lakecityvlog8914 Рік тому +1

      @@AnkushJain okay.. Thanks sir

    • @AnkushJain
      @AnkushJain  Рік тому

      👍

  • @madhurideshmukh4670
    @madhurideshmukh4670 2 роки тому

    Very helpful

  • @ravindratandalekar5996
    @ravindratandalekar5996 2 роки тому +1

    CIBIL May write off and defaulter removers Kaise kare

    • @AnkushJain
      @AnkushJain  2 роки тому +1

      If the reporting is wrong, then you better need to take a letter from the concerned bank that the reporting is incorrect. Then write a complain to cibil to remove it

    • @AnkushJain
      @AnkushJain  Місяць тому

      Reporting correct hai?

  • @GAUTAMKUMAR-yi5ef
    @GAUTAMKUMAR-yi5ef Рік тому +1

    Thanku

  • @naineshsharma5007
    @naineshsharma5007 2 роки тому +1

    Sir i have recently completed CA and i m trying to get job in ICICI bank as credit manager but i heard from my friends that it is such time consuming job that person has to spend around 11 to 12 hour in the bank. So will you please clarify on this and also can you tell what should be avg. salary package for the post of credit manager. Thanks in advance

    • @AnkushJain
      @AnkushJain  2 роки тому +1

      Can not talk about it on social platform. You can message me directly on linkedin. Although your friend is guiding you incorrectly. There is no such issue in banks

    • @sushilmaurya3796
      @sushilmaurya3796 10 місяців тому

      Had you joined? Please give your review if yes

  • @deepaknahar8006
    @deepaknahar8006 2 роки тому +1

    Hello sir if there is an overdue amount showing in cibil and last reported date is 03-20.
    What would be the year of default?????

    • @AnkushJain
      @AnkushJain  2 роки тому

      Hi Deepak then in that case overdue amount must be for 03-20 time only since reporting is not updated post that period

    • @deepaknahar8006
      @deepaknahar8006 2 роки тому +1

      @@AnkushJain so u mean it will be more than 2 yrs default and accordingly authority to be decided for deviation

    • @AnkushJain
      @AnkushJain  2 роки тому +1

      No I mean to say that default occured in March 20 but post that whether that default was clear or not can not be ascertained since history is not reported post March 20. May be the debt got cleared on April 20 itself but we never know. You need to ask from client and take confirmation and then decide approving authority accordingly

  • @viveksen9447
    @viveksen9447 2 роки тому +1

    Sir, when you create a video for pd?

    • @AnkushJain
      @AnkushJain  2 роки тому

      It will take time. I need to complete assessment topics first

    • @viveksen9447
      @viveksen9447 2 роки тому +1

      @@AnkushJain ok sir

    • @AnkushJain
      @AnkushJain  2 роки тому

      👍

  • @yjgratitude5
    @yjgratitude5 Рік тому

    Thank You sir

  • @MONUKUMAR-xu7xg
    @MONUKUMAR-xu7xg 2 роки тому +1

    Hiii, Sometimes I have observed that I run Consumer CIBIL from DOB as 01.10. 1980 but still report fetched different date of birth day 10.01. 1989 or say some other DOB.
    This happens due to once Borrower CIBIL might have been run with this DOB. Is it so !!
    Because when I again check my input page date where i inputted date to generate CIBIL I find that I have entered date of birth correctly as 01.10.1980 but every time CIBIL fetching wrong DOB.
    We can easily croos check correct DOB in NTB cases from KYC but the actual problem is faced in Existing Renewal/enhancement cases because CIBIl is run from the last year CIBIL reports in such cases.

    • @AnkushJain
      @AnkushJain  2 роки тому +1

      Yes it happens due to some other banker have put in incorrect date of birth. Sometimes multiple pan matches also come across. In existing cases we can retrieve kyc from branch/operations or central database if need be. However I always prefer that while preparing sanction note, we should always mention age of the promoters and guarantor so that at the time of next renewal everyone can know

  • @gurpreetSingh-pz7bo
    @gurpreetSingh-pz7bo 2 роки тому

    Thanks again..

  • @kirankumarmanvani2200
    @kirankumarmanvani2200 2 роки тому +1

    Cibil is one of the bureo which gives us credit report... Like cibil we have Experian, Equifax and CRIF High Mark....
    It is same like people say I ate Maggie but actually they eat Noodles 🍜.. Maggie is the name of the company

  • @sohanghosh2999
    @sohanghosh2999 2 роки тому +1

    Sir , can I be a credit manager by doing MBA finance ?

  • @harshitvijay2930
    @harshitvijay2930 2 роки тому +1

    Sir need some advice.. How can I connect with you sir

    • @AnkushJain
      @AnkushJain  2 роки тому

      Hi harshit. You can ask anything from me here. I have limited availability over phone due to busy schedule

  • @glamous.7359
    @glamous.7359 8 місяців тому +1

    9:27

  • @shashankdwivedi5029
    @shashankdwivedi5029 6 місяців тому +1

    Ek mobile no ke aage (e) kyo laga hua hai?

    • @AnkushJain
      @AnkushJain  6 місяців тому

      Kisme?

    • @shashankdwivedi5029
      @shashankdwivedi5029 6 місяців тому

      @@AnkushJain cibil me sir jab cibil nikalte hai to kabhi kabhi number ke aage (e) laga hota hai?

    • @AnkushJain
      @AnkushJain  6 місяців тому

      Koi pic hai to telegram group mein share krdo.. main check krta hu

    • @shashankdwivedi5029
      @shashankdwivedi5029 6 місяців тому

      @@AnkushJain I am not added in teligram group?

  • @nandhagopal2190
    @nandhagopal2190 3 місяці тому

    Required english class

  • @caaman93
    @caaman93 2 роки тому +1

    👏

  • @pranjalsoni4382
    @pranjalsoni4382 4 місяці тому +1

    10 crore kaa loan 😂😂😂

    • @AnkushJain
      @AnkushJain  4 місяці тому

      🙏🙏

    • @pranjalsoni4382
      @pranjalsoni4382 4 місяці тому

      @@AnkushJain sir ek question poochna tha aapse ek Mera friend max life me sales manager hai toh uski Jo salary h wo per month 65k hai with incentive and without incentive 52k toh ITR me hum gross salary me 52k and 65k dono le sakte h kya yaa 52k hi lenge

    • @AnkushJain
      @AnkushJain  4 місяці тому

      Full hi le lo.. koi frk nhi padega

    • @pranjalsoni4382
      @pranjalsoni4382 4 місяці тому

      @@AnkushJain sir actually full me after deduction uski itr 600000 ke uper Jaa rhe h and he is saying itr Kam rakho toh can we take without incentive salary ?

  • @satishkumar-ee2mf
    @satishkumar-ee2mf 2 роки тому

    Thank you sir