Lecture 72: What is Commercial CIBIL and CMR score, How to Analyze commercial CIBIL (In Hindi).

[@sindhushb.1272]

In this commercial world you are taking this much time to explain clearly for free sir . Really hats off to you...Tq sooo much. I am very blessed to find this channel.

[@AnkushJain]

Thank you

[@jyotigupta5350]

Thk u so much sir ..every minor point which we ignore generally u hv explained so well which will inhance banker underwriting skills of us.

[@AnkushJain]

Thank you

[@vikasrip2000]

Guruji Kamaal ki jaankari share ki aap ne🙏🙏🙏

[@AnkushJain]

@@vikasrip2000 thank you

[@anirban28]

amazing video represented by sir, just awesome........

[@AnkushJain]

Thank you 👍

[@vinodkamath2057]

Very nice lecture.. giving full inputs for processing officers...You are genius teacher...thank you..🙏

[@AnkushJain]

Thank you

[@BharatKumar-bn5fw]

Sir, thank-you for giving us quality knowledge.

[@AnkushJain]

Your welcome 👍

[@urbanbaba6216]

Very informative sir thank you so much

[@AnkushJain]

👍

[@ravindersingh1624]

Sir ,high credit shown in overdraft facility in cibil are

[@AnkushJain]

Can u elaborate the question? Couldn't get the question

[@ketanparekkh]

Why there is a difference in overdue amount as reported in “Credit Profile Summary” and “Outstanding Balances by Credit Facility Groups and Asset classification” Why sometimes it shows same amount and sometime it shows different amount? Which amount to consider for Overdue?

[@AnkushJain]

I don't know the technical error reason but latest reporting to be considered

[@ketanparekkh]

@@AnkushJain Overdue accounts and Overdue amount reported in “Credit Profile Summary” to be considered?

[@AnkushJain]

No please check individual facility wise

[@Abhinav-ot9it]

Great content🙏

[@AnkushJain]

Thank you

[@yogeshchandra6247]

very helpful.

[@AnkushJain]

Thank you

[@gurpreetSingh-pz7bo]

Thank You Sir, After This Lecture Series, Pls. also make video on " How to write a bank loan proposal "

[@AnkushJain]

Yeah sure 👍

[@hariompatidar3773]

Well explained sir!!!

[@AnkushJain]

Thank you

[@caaman93]

Sir what are the possible reasons for increasing decreasing current ratio (net working capital) Pls make a video on ratios explanation

[@AnkushJain]

Have already made them Pl refer the below link kzbin.info/aero/PLjlclsu02a_z210w1g5SBcZLMGOK4QaQm

[@VJ.Karnataka]

Good session sir... But kindly rectify on voice recorder was quite disturbing.

[@AnkushJain]

Thank you. Voice quality has improved in coming videos

[@sidvsthewind]

Difference between CBR and CMR??

[@AnkushJain]

Haven't heard CBR term before

[@Rohit-ru2tu]

Thanks for this lecture. Please make a video on required documents for smooth processing.

[@AnkushJain]

Thank you 👍 Requirement document you mean docs required for loan application?

[@Rohit-ru2tu]

@@AnkushJain yes sir.

[@AnkushJain]

I have already made video on that. Pl refer below link kzbin.info/www/bejne/eYKvoa2DlNKeZqc

[@caharishbalani5429]

Thanks sir for this lecture

[@AnkushJain]

Your welcome 👍

[@poojanmankad1749]

This is very informative session, thank you sir ❣️ Do you have any paid course?

[@AnkushJain]

Thank you. No paid course. Everything i know is available here for everyone.

[@MDVaashir]

@@AnkushJain Wish you grow professionally in your career. Ppl like you are not only working for yourself and your family....but is beneficial for the whole nation.

[@AnkushJain]

Thank you

[@Lightstudiotype]

AGTR1Credit Relationship is around one business cycle this reason for my CMR RANK 6 what is means that? I have 50000 Loan SBI and second month interest add 119 and showing 50119 and this amount over utilisation against 6 RANK now how to correct this issue please suggest

[@AnkushJain]

You need to write letter to the bank for this

[@Lightstudiotype]

@@AnkushJain I already Send letter Bank but bank tail me what can I do this is Cibil matter i can't help

[@AnkushJain]

Take letter from the bank that there is no overdue and it is erroneously reported in cibil. Then basis that letter Mark mail to cibil team

[@dschauhan52]

Sir, how to improve commercial CIBIL

[@AnkushJain]

kzbin.info/www/bejne/qGWvY6emhdyAp6s Pl watch this video

[@akhileshbhardwaj7131]

Great sir.

[@AnkushJain]

Thank you 👍

[@rigzinchorol5876]

Hlo sir... Can a commercial cibil report be recovered if forget to take a print..

[@AnkushJain]

I think it remain on portal for few days and it is also sent on the email id

[@kumarsaurabh2614]

sir how to get market reference by PD or by any other option

[@AnkushJain]

You mean reference check of borrower?

[@AnkushJain]

You mean reference check of borrower?

[@kumarsaurabh2614]

@@AnkushJain yes sir

[@AnkushJain]

Try to check the debtor and creditor list and find the existing customers of yours in it... Otherriwse ask from your existing customer in existing line of business

[@shashankdwivedi5029]

Is individual cibil 0 to 900 or 300 to 900

[@AnkushJain]

300 to 900

[@shashankdwivedi5029]

@@AnkushJain thanku for your reply sir watch all your video's and it's realy help me to get a job in credit profile, I just started but all credit goes to you thanku sir❤️

[@AnkushJain]

Thank you

[@kirubanandakumarmanickam512]

How to download commercial cibil report

[@AnkushJain]

You can visit official website of cibil to generate the report

[@brigingthemap]

CMR is not generated for Company with Credit Exposure of More than Rs. 50 Cr

[@AnkushJain]

Yes

[@satishkumar-ee2mf]

Thank you sir

[@AnkushJain]

Your welcome 👍

[@chanchaldeora6196]

Can you please explain how to evaluate impact of contingent asset & liabilities while credit underwriting

[@AnkushJain]

It's contingent liab which we should look into. Since these liabilities are outside balance sheet and you don't consider them in ratios calculations. But usually they can adversely impact a client's business. For example, i had a case where client was having contingent liability of around 6-7 crores w.r.t payables to income tax etc under dispute, payables to customers/supplier under litigation Suppose in future if he actually has to pay this liability then how will his business survive? This is why they are important to understand

[@chanchaldeora6196]

@@AnkushJain thank you so much, can you please elaborate a bit. In such case how will we see whether we should go ahead or not . What other things we can check to mitigate the risk?

[@AnkushJain]

This is subjective judgement. U need to see whether client is having capability to repay the contingent obligation without hampering his business or not. This is case to case based decision

[@chanchaldeora6196]

@@AnkushJain ok thanku so much

[@AnkushJain]

👍

[@godheadkrishnaslove7414]

Thankyou sir

[@AnkushJain]

Your welcome

[@ramugehlot1274]

Thank you❤❤❤❤

[@AnkushJain]

Your welcome 👍

[@makeachange2257]

Voice is very low in all videos....pl rectify

[@AnkushJain]

Yeah it has been corrected in latest videos

[@viveksen9447]

Nice video

[@viveksen9447]

Sir, Please upload 3-5 video in one week.

[@AnkushJain]

Thank you 👍

[@AnkushJain]

Due to my regular job, i don't get enough time to spend on weekdays

[@viveksen9447]

@@AnkushJain ok no issue sir

[@AnkushJain]

👍

[@VIKASHKUMAR-ch4fn]

Thanks Sir for knowledgeable content! Can you plz share mail id on which we can mark the mail to get the details or it will vary bank to bank as different bank might be using different platform for commercial cibil generation.

[@AnkushJain]

It will vary. So just hold on to logic and try to understand how I read the cibil line by line and link it to clients business and financial position so that i don't miss anything

[@shreyashmishra4969]

Good video

[@AnkushJain]

Thank you