How To Improve CIBIL Score Instantly
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- เผยแพร่เมื่อ 19 ส.ค. 2022
- About This Video :-
in this video we have discussed the ways to improve cibil score..
History Of CIBIL :-
There will be several consequences arise when anyone start defaulting on the loan payments. In such scenario, Lender will report the behaviour to TransUnion CIBIL. The name of the borrower will be appearing in the CIBIL DEFAULTER LIST
In 1994, RBI introduced this scheme to keep hold and information on the defaulters. Initially this scheme introduced for lending of 1 crores and more.
Later on, 1999, there was modification in this scheme and RBI has bifurcated defaulters into two categories:-
Wilful Defaulters-Value 25 lacks and more
Unwilful Defaulters-Value 1 Cr and More.
The Purpose of this scheme was to figure out the genuinely debt or who deliberately not clearing dues.
In 2002, RBI requested Bank and financial institutions and state financial corporation to send the defaulters data to TransUnion CIBIL.
TransUnion CIBIL classify this data into two categories
Suit filed accounts
Non-suit filed accounts.
CIBIL) was set up by SBI in association with HDFC in January 2001, with an authorised capital of Rs.50 crore and a paid up capital of Rs.25 crore, with equity participation of 40 per cent each and two foreign technology partners viz., M/s. Dun & Bradstreet Information Services (India) Pvt. Ltd., and Trans Union International Inc., U.S.A. sharing the remaining 20 per cent equity stake
CIBIL stands for Credit investigation bureau of india Ltd. It is the designated entity approved by the RBI to calculate the Credit ratings of the any individual or any entities.
CIBIL scores ranges between 300 to 900.
300-549-Poor Scores ------------------------- Low Chances Of Loan and very high ROI
550-700-Average Scores --------------------Moderate Chances Of Loan And High ROI
700 and above- Excellent -----------------High Changes Of Loan And Low ROI
For Healthy CIBIL
Credit Utilization :- use your credit limit less than the 30 to 40%. . It is advised to increase your credit limit if expense is more
Type of loans
Secured loans and Unsecured loans. If entity has the secured loan, Higher will be its CIBIL. The more Unsecured Loan, the lesser CIBIL will be.
Always avoids to have too many Credit Cards of different banks
Always keep checking of your CIBIL scores. Sometimes, there might be possibility wrong data updated on CIBIL data base.
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क्या अच्छी तरह से समझाया आपने जितनी तारीफ की जाए उतनी कम है बिल्कुल सिंपल भाषा में
CIBIL KE BARE ME ITNI DETAL JANKARI AAJ TAK ISSE PAHALE MAINE KABHI NAHI DEKHI THANK U.. THANK U..THANK U ..SIR
Bhai cibil score par Aaj Tak Aisa video nahi dekha excellent video...😊😊
One of the best videos of the CIBIL score. The last line was golden words people should understand this. Spread for the younger generation.
Very good explanation
Apna cvil score kase bathaye
Óo9ó9oóóóó
Bahut acche se samjaya sirji aapne,koi b channel aisa nahi samjaya
Super❤
Thank you very informative video. Un skipping. Bilkul bhi boring nahi hai zaroor dekhna video
Fantastic video 👏 tysm for sharing such important information in this proper format 🙏🏻
Much needed information thanks bro.
Great great great video..... "Life is not short" indeed it isn't...At the age of 23 I have seen the importance of cibil score as I am facing problem to get education loan due to poor cibil of my father... The amount is less but as you said bank will not let it go even if its 1 rs overdue...
very informative and clearly advsised thanks for improving knowledge sir .
Bhut jyada achi hai vedo bhai ek ek bat samjha di apne
Ek hi shabda bolunga... Sir
Zabardust video... very nice 👌
You earned my sub. Your videos are easy to understand while keeping it professional.
i pay My credit cards bill regularly on time.
paying my EMI on time
never fault a emi or Credit card loan
my credit utilisation is approx 5%.
still my CBIL is on 746 and not increasing.
Excellent 👌 knowledge Dene k liye aapka dhanyawaad sir,
Very use full knowledge video sir❤
Thanks🌹🙏
It is giving knowledge like he is my big brother….
Thanks brother, for sharing knowledge.
This is the 2nd time I have come to see this video as becoming aware of financial things..
There is hardly any better video than you in indian TH-cam community...💗
बहुत अच्छी जानकारी इसके लिए बहुत बहुत धन्यवाद, नमस्कार
1 video yesa baniye jis me sirf civil hi sahi kare...🙏🙏🙏👍👍👍😘
Thanks for giving light to the topic and sharing almost all valuable information about cibil score and it's importance in financial services .With regard kirti...
Sar cibilscore Paisa dinke bad sahi ho sakta hai ya nahin
Meracivil me sutfiel dikh Raha cc limit bhi chal raha ha bank bhi cc limit ko menten bata raha ha leter hed par likhra dediya nodal ko bhi Mel Kiya abhi Tak Kam nahi huye ye Kam kaise hoga home loan ruka ha rasta batao
I learned something I didn't know from you Thank you very much Sir
Easy to explain my financial knowledge thank you so much sir
वेरी गुड विडियो,अब तक no 1 vidio
Fantastic way to explain everything.. 🤟🏻👌🏻
Elaborately explained
Every person should know all these things
Thanku soo much.
Regards
Credit card aagya mera time pe pese dunga or 30% use krunga limit card ki,
Toh cibil increase hoga?👀
@@GBR_OFFICIAL bilkul improve hoga
Hlo Mera loan inquiry hatana hai
@@XYAxisEducationsir Mera to bank ne hi civil kharab kar diya me kya karu mera score tha 734 or sir mene loan kraya tha uski emi 10 tarik ki thi lekin bank 29 days let next month ki 3 tarik ko kat ti thi 😢😢 or mujhe yhi pta tha k 3 ko kat ti he lekin wo 10 ko kat ni thi sir ab me kya karu help me sir 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
Thanks very very smooth And learning language. I like you r video
Sir I proud of you sir your civil score vedio is very good
I have watched so many videos on CIBIL but this was different and very informative and detailed. Thanks for letting your knowledge out to world.
excess me cibil check karne se cibil kharab hota gai hai gzb bezzati hai ye to
@@Rajkumar10778fi 5:12
My CIBIL score 850+.
Reason:- using two credit card and paying bill on time.
Never applied for any loan and more credit cards.
Kyunki aap bahut hi acchi financial advice dete Hain tumhare video ko dekhta hun
Thank you so much sir aapane bahut hi acchi video banaya main Puri aur mujhe bahut achcha Laga
very nice video. I liked the way you explained things being specific.
Thank you very much for sharing such informative video.
🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻
भाई अगर कोई बीस हजार का डिफॉल्टर हो तो क्रेडिट स्कोर कैसे बढ़ाया जा सकता है?
Very well explained Sir Sir pl guide me regarding Education Loan for children's
thanx sir aapne bahut acchi baat batayi
Thank yu thank yu sir
Like all ur videos n
Started getting interest in banking awareness
Request yu to plz post videos on Insolvency
Bankruptcy
Thank You🙏🙏🙏🙏 Very informative and well explained 💥
Thank you so much Sir for wanderful Video 🙏🙏🙏
Very nice ❤❤❤Very good information
So interesting & informative video! Thank you ji
Could you tell me which software do you use for creating videos. Thanks
Bhai meine bajaj aur idfc k EMI'S nahi bani kuch 3 4 saal se aur abhi tak wese hi hai emi's
To men ab emi kaise pay karon aur apna cibil kaise improve karon?
Very informative. Thanks for bring knowledgeable videos..
Sir
Bahut achche se samjhaya
Dhanyawad
Very well explained sir 🔥
Personal Loans aur Pay Later waale loans bahut jyaada ho gaye hain, unhe close karana chahiye score improve karne ke liye?
Thanks information ❤
This is a complete knowledge banking related video sir 👏 imagine head off sir Sir Mera ye question hai mne 2016 m ek bhai ko leke 50000 ka mudra loan liya tha ek emi bhrne k baad ghr m ldai k chlte wo jma nhi ho paya to sir wo ab jb m apna cbil check krta hu usme 63567 something show hota h pr ab m use complete jma krna chahta hu to mera cbil score kitne time baad shi ho jayega or m loan k liye kha s or kitne time k baad apply kr skta hu please sir Reply jaroor dijiyega apki video you tube p sbse better lgi channel mne apka subscriber kr liya hai like also 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
A very detailed information on CIBIL.
Thanku soo much
Very Well explained, seen lot of videos, But this video has summary of all of them... Nice ... Keep up good Work. Thanks a lot for this information.
My pleasure , such a positive comments really inspire me to do more hardwork.
Regards
Today I saw your one vedio of credit card now I am addicted to gain knowledge in financial field. Man you are best duaa h aap khoob aage badho.
Good 👍 experience. Very good
Very nice 👍👍👍 your great 👍👍
Appreciate...
Well explained video...
This type of video you can't find on youtube...
Thank You Sir... 👍
My pleasure.
Regards
Credit card jiyada lenese kya civel score kharab hota hai?
So Thanks to XY- Axis Education , upload this type video 👌👌🤗🤗🙏🙏🙏
Thanku soo much for watching our video
bahot achhe se samjhya aapne sir....
very useful ❤❤❤❤
Very clear information. Thank you Sir
Thanku soo much.
Regards
Full of information in one video. Maja ay gaya 💖
Thanku soo much.
Regards
Your video is really awesome. Very knowledgeable
Itna acha aaj tak kisi ne nhi samjhaya
Very informative and well explained 💥
Thanku soo much
Welcome 😅
You forgot to mention Credit card against FD to improve CIBIL score and Credit card makes 40% impact on CIBIL score. Best way to improve CIBIL score.
Will you please elaborate?
@@pyaraBoiii hii bhai
@@pyaraBoiii me batata hu
Hello bro please help me with more information 😔
@@AayushGurjar011 yes brother please tell me
Wow so amazing information 👏 👌💯💯💯💯❤👍👍dil se salam
Sir agar ham ne ek prodect TVS credit parsnol lon par liya hai or ek Bajaj par liya to kya ye dono hi hamara sibil score badayege plish riplay sir❤❤
I took out a personal loan of 12 lakhs and repaid it in around 6 months time. My CIBIL score currently is 800 plus.
Boss that converts to 2.13L monthly EMI.
Same i don't need credit card currently but just want to start and build credit history just in case I need credit in the future. I think I'll try the same thing just get a huge loan and pay it off as quick as possible.
875 CIBIL
@@RaziaBegum-lp1vx 900
@@RaziaBegum-lp1vxkese hua itna High CIBIL score???????
Bhai aap bahot achhe se samjhate ho ❤️
Thanku soo much
Lic ka premiam hai usko bhi time se bharna padega kya ..2.4 din aage badh jata hai
Bilkul sahi kaha cibil banana bahuth mahnat karni padti hai
Thanks for this wonder information. 🙏
Your welcome.
Regards
@@XYAxisEducation
Sir hdfc me current account he, credit card kya milega ?
@@Alpha-le2ze business karte ho? Agar haan to apne business ke basis pe business card le lo ya phir ITR ke basis pe govt banks CC dedegi.
Ya phir jis bank mein C/A ha usi mein CC ke liye apply karo.
Does cibil score increases when we are not using credit cards or any pay later services that we have?
It does not increase but also not impact our cibil score .
Soo its btr to use minimum of credit cards .
Regards
If the person defaulted during lockdown and interest compounds then can the settlement effects CIBIL??
Perfect 🤩 keep it up
Thanku soo much
Thank you so much brother 😊
Most welcome 😊
Thanks for the info. Sir ek video is topic pr bhi banao ki CIBIL ko complaint kaise Karen. Kyunki Mera sirf ek account open h loan wala but One score app me 2 account open show hota h mene sare loan time pr pay kiye h tb bhi wo 2 account active show hota hai.
You did not mentioned the very important part where because of bank lot of charges some time customer does not able to bare it and due to that reason customer comes under default situation …
I had took education loan of rupees 85000 in 2018-19 , emi was on time to time but in covid pandemic it not, and loan period extended by bank but due to covid, financial condition were poor , the total amount was about 1,15,000. and i make settlement which is about 50,000 .. so in this case remaining amount I want to pay after couple of time... it shows settled on cibil score , so in how many years it will be normal..
Same problem related to me...sir plz reply to this question...
Thanks you so much ❤️
Thank you bhai aapka samjhana achcha lagta hai
Very nice video
Sir, 2 months ago my father CIBIL was 853 but after that I have applied for 4 credit card and all of them were approved but the cibil got down by 30 point and now it is 823.
So I want to say that don't apply for too many credit card l,even if they are getting approved in a short period of time.
Yeah same here. It happened with my Mum too. Max you should keep 3 cards and the interval of the application should be more.
Nice information
It will be recover again once u use the card and pay the bill on time, it takes up to 3 or 4-5 months
Wow, having 853 cibil score is super hard and takes years to build
Btw if you can answer, how your father build that score will be super helpful for us
My current CIBIL is 791, 5 months ago it was 789. Improvement of 2 points. My target is 800+ now and will never come back below this.
But the problem is I don’t need a loan, is it advisable to take loan just to improve CIBIL? I don’t need loan, I have the cash I need.
Then Don't take loan. Just use credit card and pay bill on time.
Bro kaise bda rhe ho cibil? Mera abhi 765 h aur m timely apna credit card bill bharta hu aur usage bhi under 30% rakhta hu
@@gaurav.p then u better use a credit card
@@parthmittal9605 bhai loan par bike le sakte hai kya usai Sai toh cibil score kharab nhi hoga
Bhai aap.ka.batani.ka.tareeka bahut.accha.hi
🤔 हमारे देश के वडे वडे विजनिस मैन पैसा खाकर भी वैन्क से वहुत सारा पैसा ले लेते हैं कर्ज के रूप में 🤔🤔
Unke kaafi sare naam hote hai jaise ... Chor yaa fir bhagoda yehi log kamiyabi ki taraf jate hai aur aage jaakr pakad hate hai lekin government inki chhod deti hai me bhi soch rha hu lekin Kiya kru mujhe koi janta nhi hai isliye mujhe koi jaane isliye mujhe TV or ana hoga chori karni hogi fir naam hoga aur famous ki bajah se milega bada loan 💪😁
❤a❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤
Sir my civil score is now 782 and how can i improve 18...plz.. give me any details..
I want to improve 14
My cibil score is 799
How improve it
Thanks 👍👍
Thanks sir 🙏
We purchased a flat in 2015 and my flat was on 11th floor while builder ran away after just completing 5 floors. So many people in that project are in DRT court with me by bank. The loan is from Govt. bank. Now it comes out the land is also disputed. We are not paying EMI now. We lost our savings also. Now CIBIL is very bad. But what is the fault of a customer like me? How bank paid the amount to builder with out legal and technical? How can we rectify our CIBIL? We can not keep paying money as EMI in a dead account.
Where are you from?
@@HacksHeart In Noida Sir!
Bro mera to 100rs ke wallet load ki vajeh se CIBIL 750 se 650 pe aa gaya
Mobikwick ne mere account me khudse 100 rs add kiye phir khudka hi insurance puchase kara diya 99rs ka aaj tak samaj nhi aaya ki vo insurance kis kaam ka
Aur 1year baad maloom pada ki aisa scene hua h aur CIBIL ki maa bhen ho gayi
@@sajidghanchi7591 axa
Sir I have some Questions.
• How many Bank Accounts a Person can open in India ?
• Is having Multiple Bank Accounts Illegal ?
1. Koi limitation nahin hai bank accounts khulwane ka. But, kya aap saare bank accounts ko manage kar paaoge. MAB sabse bada khel hai.
2. Nope, mere 6 bank accounts hein. Aur mera friend ka 10.
@@lakhi_kant Thankyou 😄
Aise To Koi Limitation Nhi Hai But Jitna Account Maintenance Kar Paoge Utna Hi Kholo Q Ki Mai 11 Bank Mai Account Open Karwaya Hu Aab Isme Se 4 Bank Mai Mereko MAB 5k Maintenance Karke Rakna Padta Hai Or MAB Maintenance Na Karne Pe Direct Penaty Lagega & Yearly Debit Card Fee Bhi Dena Padta Hai😁😁
@@ranabaidya4685 Thankyou 😄
Bank accounts matter nhi krte.. Bank balance krta hai.. Kitne bhi accounts khol lo bus sabme mila ke bhut jyada paise len den mat krna
thankyou bhai .. bahut achha knowledge mila
Hello Sir 25:39
I am Rajinder Singh and I have applied for home loan and my CIBIL score is reflecting below the benchmark of Banks due to non payment of Bank instalments by other person who has the same personal details ( like : Name, Father,s Name and Date of Birth). The Income Tax Department has issued the same PAN number to both Rajinder Singh due to same personal detail. Later the matter was resolved by the Income Tax Department and instructed to other Rajinder Singh not to use this PAN Card and surrender this PAN Card to issuing authority (NSDL/ UTIITSL) and apply for new PAN Card. But either he has not updated his new PAN Number in Banks from where he has taken some loans and defaulter with them also. Or he is using my PAN Number inadvertently. And due this my CIBIL Score is showing below the benchmark of Banks and rejected my loan requests.
Please guide me what should I do to increase my CIBIL Score so that I can take home loan.
Regards
Rajinder Singh
Perfect video 👌
Thanku soo much.
Regards
What did you said, checking our own cibil score will reduce our cibil score 😂🤣! It's a Soft Enquiry and Not a Hard Enquiry 23:56
very informative, thank you :)
Bahut sandar smjhaya puri bat thanks
My CIBIL 836
Beta woh experience ka dikhata hai cibil nahi hoga crif score or chek Karo 👍
So beautifully explained
Thanku soo much.
Regards
@@XYAxisEducation which one genuine site to check CBIL
Sir lic lone bhi cibile score ko kharab karta h
Thanks for sharing your valuable knowledge. I need small favor for my problem. Actually I had taken PL long back and had been paying all my EMI on time but since COVID 19, I didn't pay a single EMI. I am receiving so many calls from the recovery team. I checked on the CIBIL web site, there are showing around Rs. 205000 which I have not paid. Now I am planning to take a home loan. How can I get it ? my question.if I pay all the outstanding amounts then the CIBIL score will increase or what will happen.
Sir please give Idea ..how can I get out of this problem , please sir
Thanku so much sir for sharing information regarding cibil
Improve CIBIL Score Instantly. Instantly? It's a clickbait...
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But banks like hdfc don't report the credit limit of card, in that case how the utilisation can be calculated?
Right...
Highest spend ever, HDFC report that as a credit limit
Really I think it does
Sahi hai bhai... Me bhi 30 % se jyada spend nahi karta... Lekin utilisation me 0% available dikha raha hai... Jab ki 70% available hai...
@@craken2409 ek baar 100% use kr lena
Fir wo report mein highest limit update kr denge
@@hiteshsharma5034 haa bhai... Lekin mene pehle 30554 use kiya tha... Fir uske baad 17380 aur uske baad 17721 kiya... To unhone 0% available dikha di