Ashok Goyal
Leading CIBIL Consultant in India. Retired Chief Manager of Punjab National Bank with more than 35 years Banking Experience.
Samadhan Kender: Aadhar The Great Indian Experiment.
Tweets 2016. Tweets 2015. Tweets 2014. Tweets 2013. Tweets 2012. Which ID and Address Proof is Most Reliable in India. Which ID and Address Proof is Most Reliable in India 5 (100%) 1 vote Indian Residents get so many ID Proofs and Address Proofs that they can get undue benefits by producing the ID and/or address proof of their choice.
I am a CIBIL Consultant and while investigating and solving the problems of the public in general, I come across intricate problems which are the result of not having one and only one reliable ID and Address Proof in India. Now the time is ripe enough for the Government of India to enact a law to deauthorise all other ID and Address Proofs to be accepted anywhere in India except UID that is Aadhaar Number. I am sure if the Government of India enacts such law then it will be very difficult for the individuals to get undue benefits or cheat others on the basis of producing ID and Address proofs of their choice. Are PAN Numbers a reliable Proof of ID and Date of Birth? The Same case applies to all other physical IDs being issued to residents in India. CIBIL Consultants. Visit CIBIL Consultants and provide the following information:Name as per PAN Card, Aadhar Card, Passport, Voter IDAddress as per PAN Card, Aadhar Card, Passport, Voter IDEmail ID and Mobile Number Registered with the Lending BankersMessage: In the message – Please write briefly about your CIBIL Problem – e.g.
CIBIL Report includes stranger loan accounts, unknown zero balance accounts, settled accounts and/or written off accounts.Upload the documents relating to your ID Proof and Residence Proof at CIBIL Consultants .Upload Original PAN (Front only) and AADHAR (Both Front and Back). This is the minimum requirement to get access to your Credit Report.If you can easily remember and recollect, then provide Loan Account Numbers of any of your two existing or closed loan accounts with full details like Account Number, Bank, Purpose of Loan, Amount of Loan, Date/Month of Loan. Myths and Facts about CIBIL Reports and Scores. Public and even Bankers are not aware of some of the bare facts about CIBIL Reports and CIBIL Scores.
There are several myths associated with CIBIL Reports which need to be busted. Some of the common myths associated with CIBIL are the following: CIBIL maintains a record of Defaulters: Any customer who has opted for a loan or credit card will find details of his credit history with CIBIL but many wrongly believe that CIBIL has a record of defaulters. The truth is information about an individual’s credit history is collated to help him make informed decisions and avail cheaper loans. It is, by and large, the prerogative of the bank or financial institution to evaluate the CIR and credit score on the basis of their credit policies.CIBIL is meant to support banks and financial institutions only: CIBIL Reports and Scores not only help banks make financially viable decisions but also enable customers to maintain financial discipline and thereby increase their chances of loan approvals.
Tell us your CIBIL Problem. Has your banker or lending institution turned down your request for Credit Card, Business Loan, Start-Up Loan, Personal Loan, Auto Loan, Car Loan, Home Loan, Commercial Vehicle Loan, Agricultural Loan or any other type of loan by saying: Your Credit Report is not Good.Your Credit Scores are not up to the minimum mark for getting Sanctioned the Bank Loans or Credit Card.Your Credit Report has “Settled” or “Written Off” accounts.Your Credit Report includes loan account where it is overdue or past due account.Accounts reported in your Credit Report are categorized as Sub-Standard, Doubtful or Loss Assets.Though the reported loan accounts are regular and you have exhausted your repaying capacity.You are a joint or co-borrower in a loan account, which is by default.You have stood as Guarantor in a loan account which remained in default in the past or is in default presently.
Revised Schedule of Professional Fees w.e.f. 01-01-2018 Other Terms and Conditions: