A Study on Efficacious Patron in CIBIL

Authors

  • K. Nalini
  • N. Nanthini
  • C. B. Godwin

Abstract

             Nowadays bank Loan plays a very vital role in satisfying our valued needs without the concern of monetary shortage. Since banks loans are based on give-and-take bond between creditor and debtor, banks will consider the creditworthiness of the debtor by gathering a Credit Information Report (CIR) of the debtor from Credit Information Bureau (India) Limited, which is popularly known as CIBIL. CIBIL is the India’s first Credit Information company which was founded in August 2000. Hence the study analyse on issues that affects CIBIL credit score and to recognize the tips to recover the credit score &fulfilment level of the client towards the Effectiveness of CIBIL in customers. This paper is an effort to analyse the structure and a study on Efficacious patron in CIBIL. A organized questionnaire with rating scales is used to gather the primary data covering 120 samples. Secondary data is also used for the study. Judgement sampling technique was used due to its time and cost possibility. Ranking analysis, Weighted Average method and chi square test are the tools used for the study. CIBIL benefits both credit grantors and clients by gathering, analyzing, and distributing info on credit histories of million of debtors.

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Published

2020-01-22

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Articles