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HARSHALA CHANDORKAR
RBI's move to bring credit information companies into ombudsman scheme expected to quicken redressalsGovernor Shaktikanta Das said introduction of the ombudsman scheme has led to a reduction in the time taken to solve consumer problems and ...- Women borrowers rise faster than their male counterparts: Transunion CibilA good CIBIL Score can help consumers gain access to better credit offers faster, and lenders typically consider a credit score above 750 a...
- Banks rely less on credit bureaus for corporate loans: Harshala ChandorkarThe reports are available. But there are other parameters too. It is more of a consortium kind of lending.
- Small rise in home loan default in 2 yrsA report by TransUnion Cibil (TUCIBIL) has shown that the overall delinquency rates in retail have been stable while variation in delinquen...
- Banks can check 3-year history of borrowersA next-gen algorithm enables banks to scour customer transactions to figure out which customers are under distress, and who are improving.
- Is affordable housing the next power house for credit growth?Loans meant for affordable housing (ticket size less than Rs 10 lakhs) has shown a robust growth rate of 23% compound annual growth rate in...
- Credit scores to help MSMEs tap bank fundsKeeping the credit score of MSMEs will help banks keep defaults at a minimum.
- Cibil pegs MSME bad loans at Rs 55,000 crore,launches score for themIt estimates the gross non-performing assets ratio for MSMEs to rise to 9.8 per cent by end March from 8.7 per cent a year ago.
- Why you should get that credit scoreEven if you are not planning to take a loan, for which a credit report is mandatory, here is why you should avail of your free copy anyway.
- Social media and digital transactions may soon determine your Cibil scoreCibil would launch a new product which would give banks some information regarding lending to first-time borrowers.
- How to make sense of your credit scoreCredit services companies have made the perfect pitch by giving your credit score out for free. But are you well-versed to read the fine-pr...
- Education loan default can impact CIBIL credit scoreNon-repayment of education loan can now affect one's credit score, a top official of Credit Information Bureau (India) Ltd (CIBIL) has said.
- 'Close' your credit card rows; 'settled' status a red flag for future lendersWhile the 2" x 3" piece of plastic in your wallet means convenience, if not used with care, they can be a recipe for financial disaster.
- Credit Information Bureau (India) Ltd to come up with Risk Index for corporate sectorNot giving any timeframe about launch of risk index, Harshala Chandorkar said it would be a value added product for banks.
- Banks using skip-trace tools to trace out loan defaulters on the runBanks and loan collection agencies are employing skip-trace, a method to extract and analyse creditor information that was difficult to obt...
- Borrowers with higher credit score have more chance for loanBorrowers with a credit score of 700 and above have a higher chance of getting their loan and credit card applications approved by banks, a...
- Banks keeping close watch on credit card duesCredit card delinquencies or bad debts peaked in India to 6% (of the total dues outstanding) in the aftermath of the 2008 financial crisis.
- More people seek credit scores to get better ratesGrowth in overall credit was highest in semi-urban branches, at 20 per cent.
- Sharp increase in credit applications: CIBILThe demand for loans for various products including home and auto loans from banks and other financial institutions in India has shown a sh...
- Clear your dues before taking job interviewsDo you have a job interview slated for next month? Make sure that all your credit card bills are cleared and there are no pending loan inst...
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