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/
I want to know if we create any dispute complaint on cibil regarding any hard enquiry. Can other banks/institutions see that we make a dispute regarding any banks hard enquiry. If the enquiry is genuine and dispute rejected for removal, does that harm our credit history or it will be shown to banks when we apply for something.
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
Looking for a detailed course in Credit. Your search ends here: Credit Risk Analysis and Rating: bit.ly/37DXXhu - A 3 hours 30 minutes course for Bankers and Finance Professionals. Financial Statement Analysis For Bankers (in Hindi) - 8 hours comprehensive content from a banker with 17 years of experience in the field. bit.ly/3ysrHYB
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 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.
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 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
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.
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, 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?
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.
Clear your doubts in basics of credit here -
ua-cam.com/play/PL8luW2QdVFkvIvnl4eJyd2wcLv_i7piCw.html
Sir can u make video on ITR and it’s components briefly along with computation. What we should consider or what we should not.
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.
We try our best to make bankers life easy.
Thank you amazing presentation.. Matru bhasa itni achi lagti hae.. I am an addict of your channel.. It surely stimulate my dopamine levels..
Thanks a lot. Introduce us to like minded people.
Thank you so much so very much! I joined in jan in SBI! ❤ Posted in SME branch! This is very helpful! ❤❤
Thank you so much. Since you are posted in SME branch please go through our tutorials on various topics on credit. It will be helpful for you.
Thanks for providing good explanation, I request you to provide more videos for the bankers as maximum video makers are making for bank customers
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.
Very well explained Sir, Thanks for the video. Keep uploading more videos.
Thank you, I will
Thank u so much sir, bahut useful video hai. Loan appraisal karte time aur kya kya dekhna chahiye , please us par bhi video kariye.
Welcome Friend.
Kosish Jari hai.
"Hum bank wale to Disagree karna bhul hi chuke h" at the end was savage sir,
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
Thank you. Can you please clarify what are your topics of interest?
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/
We want know stages of DPD like When SMA, SMA 1, 2, Standard, sub standard, LOSS will start.
Its a very informative video,From where can we generate this type of cibil report ?Is it only for banks?
Ham bank vale to disagree bolna bhul hi chuke hai....🤣 Nice line...
Mae kya bolo sir.... I just want these videos.... I m new joinee I need more n more information as a banker... Plz keep helping us
We try our best..our request to you is to help us reach more people like you..
Very well explained!
I want to know if we create any dispute complaint on cibil regarding any hard enquiry.
Can other banks/institutions see that we make a dispute regarding any banks hard enquiry. If the enquiry is genuine and dispute rejected for removal, does that harm our credit history or it will be shown to banks when we apply for something.
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
Looking for a detailed course in Credit. Your search ends here:
Credit Risk Analysis and Rating: bit.ly/37DXXhu - A 3 hours 30 minutes course for Bankers and Finance Professionals.
Financial Statement Analysis For Bankers (in Hindi) - 8 hours comprehensive content from a banker with 17 years of experience in the field.
bit.ly/3ysrHYB
Sir the second course is not available.
Sir mera cibil score snowing nhi ho rha h expirin or Equifax crif snow ho rha h but cibil tranuion me nhi ho rha h
cibil score after 10 years removed or what plz reply
I have observed that many a times Cibil states DPD as greater than 90, but Finacle shows the account as standard.
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 :)
@@ShuddhDesiBanking Thanks. This was helpful.
sir yh cibil kaise check kre jo is video m dikhaya h
How to clear DPD from Cibil report,
Actual if it DPD showed is right but i want to clear it
Make the loan regular and it will the eliminated from the report. However history cannot be deleted. It will stay.
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 bank ko cibil ko report bhejne ke liye costomer ke kon se documents ki zarurat hoti hai
Aapke KYC aur phone number submit karne par bank khud hi CIBIL nikal leti hai.
Thank you so much ❤ dada,, well explained,, simple
Always welcome :)
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 my civil score is only 158 so mujhe education loan nhi de rha ab kya kru kaise civil score ko thik kru
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
Take the full CIBIL report and try to understand why the score is low.
sir yh report hum kaise check kre
Hii sir...
How a nbfc bank can subscribe the membership of cibil ? Can u please explain the process for this.
Your Head Office has to take up with executives of CIBIL.
Sir apka voice nice😀😀😀😀😀
Make a video on suit filed
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.
Shuddh Desi Banking Thnku and one more thing agr Hm name PAN Card or adhar vala dalren hain but report ati hai toh uspe glt name araha
How to do rectification in cibil if customer says he doesnt have any such loan
The department in your bank which issues CIBIL password, resets the password are in touch with CIBIL continuously. Take up through them.
Very nice video
In how many days COMMERCIAL CIBIL REPORT UPDATED again
Thank you sir
Sir kya suit file ka mtlb yeh bhi hai ki koi case file kr dia hai ??
Suit filed means bank has filed suit against borrower.
Control nbr kaise nikaale
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.
@@ShuddhDesiBanking ok thanks sir🙏🙏
Sir commercial cibil k baare me batayiye..msme loan k liye commercial crif and cibil is important.
Yes we agree. We will try to bring a content.
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.
@@AK-jp9bm All the best.
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?
CIBIL score negative or -1 means enough credit history is not available with CIBIL. And no customer is generally disqualified due -1 score.
Well information
सर मेरे को सूट फाइल के बारे में जानकारी चाहिए मेरे सिविल एसकोर के रिपोर्ट में सूट फाइल दिखा रहा है यह कैसे हटाया जाए
Bank savings account 6-7 open kiya to cibil score kam hoga kya
Nahi . Savings accounts se CIBIL par koi asar nahi girta hai.
Yes
Sir
Settlement hua tha 2014 me...abhi 680 hai
Car loan lena chahata hnu...aur koi loan nehi
Milega ????
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.
Kitne digit ka hota CIBIL score wt to answer
3
300 to 900
Three digit
How to check cibil report
Thats what we have discussed in this tutorial. You may ask specific questions if you have.
Gret
Cibil kaise thik hoga
cibil thik karana ho to mobile ke saath mail kare -prafull20202021@gmail.com
Mera Cibil score 757 hain kya mujhko credit card milega??
Bank pe nirvar karta hai. but 757 is a good score.
@@ShuddhDesiBanking Ok
बॅक वाले सिबिल चेक करते है ओर लोन नही देते तो सिबिल स्कोर कम होता है ईनके ऊपर कारवाई करनी चाहिए
Nice
Thanks
Sar hamare account mein sweet file dikhai de raha hai usko kaise hataya jaega
Jis bank nei vi yeh suit file account report ki hai unse contact ki jiye. Ya fir info@cibil.com mein email ki jiye.
@@ShuddhDesiBanking Sir , old Hard enquary kitne years bad automatic cibil report se remove ho jati hai ?
Just clapping
Thank you
Banker kabi kaabi bank apne baap ka man leta hai..haha
Kavi kavar customers vi aise sochte hai.
@@ShuddhDesiBanking Sach Kyuki Bank Finally Costumer ke baap ke Pese se hi chalta hai, Banker ke baap ke pese se nhi, RBI ko chor kr. haha