With Introduction to CIBIL, it covers the difference between Cibil Score and CIBIL Report. Further Eligibility To Check CIBIL Score and Factors Affecting CIBIL Score are also Discussed
Credit score or CIBIL score is a financial repayment history behavior of Individual or Business.
Why is your credit score important:
All banks and financial institutions are giving loan on the basis of credit score. Grounded along the score value they finalize credit worthiness of individual or business.
to know more visit : www.waytobank.com
This slides helps you to understand the basics of online loan system & its verification. its requirement,s & the procedure it follows with different types of diagrams etc. (This slide is only for idea & its not 100% Accurate.)
For more this report helps you in detailed view of this project.
http://www.slideshare.net/SobanAhmad2/online-loan-application-its-verification-system
Modern Banking: Challenges & Opportunity
#Nepal
#Banking
#CommercialBanks
#Profitability
#Leverage
#Liquidity
#NRB
#Rastriya Banijya Bank
#Agricultural Development Bank
#Nepal Bank Limited
The absence of a formal consumer credit rating system in the UAE resulted in consumers having easy access to loans without any check on the repayment capacity. However, the launch of the Al Etihad Credit Bureau is expected to change the scenario by providing banks access to consumers’ credit history, thereby curbing excess lending and raising the quality of retail lending in the country.
Credit score or CIBIL score is a financial repayment history behavior of Individual or Business.
Why is your credit score important:
All banks and financial institutions are giving loan on the basis of credit score. Grounded along the score value they finalize credit worthiness of individual or business.
to know more visit : www.waytobank.com
This slides helps you to understand the basics of online loan system & its verification. its requirement,s & the procedure it follows with different types of diagrams etc. (This slide is only for idea & its not 100% Accurate.)
For more this report helps you in detailed view of this project.
http://www.slideshare.net/SobanAhmad2/online-loan-application-its-verification-system
Modern Banking: Challenges & Opportunity
#Nepal
#Banking
#CommercialBanks
#Profitability
#Leverage
#Liquidity
#NRB
#Rastriya Banijya Bank
#Agricultural Development Bank
#Nepal Bank Limited
The absence of a formal consumer credit rating system in the UAE resulted in consumers having easy access to loans without any check on the repayment capacity. However, the launch of the Al Etihad Credit Bureau is expected to change the scenario by providing banks access to consumers’ credit history, thereby curbing excess lending and raising the quality of retail lending in the country.
Why is it_so_hard_to_get_a_business_loan_by_plousioAlex Chang
The major U.S. banks are not interested in lending to small business due to the raising cost in compliance and underwriting, and the small businesses are the ones suffering the consequences.
Let's look at the reasons and impacts behind the small business loan challenges.
Innovative, client focused and sustainable, the BRAC microfinance programme is a critical component of our holistic approach to support livelihoods. Over the course of the last four decades, we have grown to become one of the world’s largest providers of financial services to the poor, providing tools which millions can use for the betterment of their lives.
Rescheduling the soaring default loans banks' responsibilitiesM S Siddiqui
The capital of banks has been reduced due to compulsory provisioning against increased default loan. Banks prefer rescheduling and restructuring of default loans for their own 'breathing space' and smooth running of their businesses. As such, now banks need to improve their capacity to manage loans and recovery process rather than depending on legal actions.
In the year 2012, the Consumer Financial Protection Bureau conducted a series of investigations into the world of direct payday lenders being offered by a growing number of depository institutions.
http://www.bfwggrants.org.uk
Consumer durable loans are loans given for buying television, microwave, food processors, washing machines among others.
The quantum of loan advanced may vary from Rs 5,000 to Rs 1,00,000. Normally 90% of the value is advanced and the repayment period is between 12 months to 36 months. Although this type of loan is largely unsecured but some of the equipments like computers, refrigerators and music system is hypothecated. Nationalised banks charge lesser rate of interest than the other banks
Why is it_so_hard_to_get_a_business_loan_by_plousioAlex Chang
The major U.S. banks are not interested in lending to small business due to the raising cost in compliance and underwriting, and the small businesses are the ones suffering the consequences.
Let's look at the reasons and impacts behind the small business loan challenges.
Innovative, client focused and sustainable, the BRAC microfinance programme is a critical component of our holistic approach to support livelihoods. Over the course of the last four decades, we have grown to become one of the world’s largest providers of financial services to the poor, providing tools which millions can use for the betterment of their lives.
Rescheduling the soaring default loans banks' responsibilitiesM S Siddiqui
The capital of banks has been reduced due to compulsory provisioning against increased default loan. Banks prefer rescheduling and restructuring of default loans for their own 'breathing space' and smooth running of their businesses. As such, now banks need to improve their capacity to manage loans and recovery process rather than depending on legal actions.
In the year 2012, the Consumer Financial Protection Bureau conducted a series of investigations into the world of direct payday lenders being offered by a growing number of depository institutions.
http://www.bfwggrants.org.uk
Consumer durable loans are loans given for buying television, microwave, food processors, washing machines among others.
The quantum of loan advanced may vary from Rs 5,000 to Rs 1,00,000. Normally 90% of the value is advanced and the repayment period is between 12 months to 36 months. Although this type of loan is largely unsecured but some of the equipments like computers, refrigerators and music system is hypothecated. Nationalised banks charge lesser rate of interest than the other banks
What is a CIBIL Score?
A CIBIL score, also known as a credit score, is a three-digit numerical representation of an individual’s creditworthiness. It’s like a financial report card that reflects your credit history and how responsibly you’ve managed credit in the past.
What Is a Commercial CIBIL Report and How to Improve it?CreditQ1
A positive Commercial Credit Information Report (CCIR), provided by CreditQ, is essential for businesses because it affects their credibility and borrowing possibilities. Strategic financial procedures promote optimal resource usage, while CreditQ-enabled constant monitoring protects against risks, maintains financial health, and enhances growth potential.
Explore more @ https://creditq.in/credit-information-report/
This presentation gives us an idea about how to read an CIBIL Report, Credit Score meanings, what are the different ways by which the score is determined which is very rare to know in any other PPT that you come across. Hope this helps all. thanks
Improving Your Commercial CIBIL Report Insights and Tips.finverv1
Gain valuable insights and practical tips on enhancing your commercial CIBIL report with this comprehensive guide. Whether you're a business owner, financial professional, or entrepreneur, understanding how to optimize your CIBIL report is crucial for securing favorable terms on loans, credit lines, and other financial instruments.
How is Your CIBIL Score Calculated in India?Amrita Shatma
The CIBIL score is a credit score that is calculated by a combination of your credit history, payment behavior and the type of loan you have applied for. The score changes over time as you pay for credit using cash or other types of credit.
For more information visit here: https://www.pnbhousing.com/blog/what-is-cibil-score/
PayMe offers instant personal loans to fulfill your financial needs. With a simple and hassle-free application process, you can get a loan within minutes. No collateral or extensive paperwork required. Whether it's for emergencies, travel, or any other purpose, PayMe India is here to provide quick financial assistance. PayMe offers a hassle-free way to check your CIBIL report. Gain valuable insights into your credit history, loan accounts, payment behavior, and credit score. With PayMe's user-friendly interface, you can monitor your financial standing, identify areas for improvement, and take steps towards maintaining a healthy credit profile. PayMe offers hassle-free online loans that make borrowing quick and convenient. With a user-friendly interface and simple application process, you can apply for a loan in minutes and receive funds directly to your bank account. Say goodbye to paperwork and long waiting times – PayMe makes getting a loan effortless.
The PPT contains information about CIBIL - leading rating agency in India. It tells you about the shareholding pattern, CSR, management and other relevant info
Get the best Cibil Score Check API with Softcare Infotech. We are leading top most reputed company Softcare Infotech in Jaipur, India who is providing all kind of API service at a lowest cost. Cibil Score Check API is the part of our API Services. To know more about our API services just visit our website once.
Supersize that IDA: How enhancing your programs with credit building can achi...NeighborhoodPartnerships
Credit building accelerates asset building. Participants in this session will learn the value of credit building as an asset building strategy and an opportunity for strengthening your clients’ financial capabilities. Participants will learn about what credit building is and basic considerations for integrating credit building into your programs. We will explore credit building innovations including a pilot program here in Oregon that helps clients automatically build credit while fulfilling their IDA savings plan.
Sarah Chenven, Credit Builders Alliance
Nancy Yuill, Innovative Changes
This presentation is related to unit 1 of Consumer behaviour and covers the following points:
1.1Defining Consumer Behavior
1.2Nature, Scope and Application of Consumer Behavior
1.3Application of Consumer Behavior
1.4Why Study Consumer Behavior?
1.5Evolution of Consumer Behavior as a Field Of Study and its relationship with Marketing Behavioral Dimension
1.6 The Interdisciplinary Nature of Consumer Behavior
1.7. De-marketing
This presentation would cover the following:
• Objectives of pricing
• Factors affecting pricing decisions
• Terms of sale used in international transaction
• Major pricing methods and practices in international
• Discuss pricing process and strategy
• Concept of transfer pricing and methods
• Types of conter trade
• The pricing angles and issues in counter trade
This unit explains the following topics:
1. Life Time Value (LTV)
2. Recency
3. RFM Model
4. Customer Life Cycle
5. Segmentation
6. Acquisition Tactical Management
7. Customer Retention Stages
This presentation would cover the following topics:
1.Transactional marketing approach to relationship marketing philosophy – competitive advantage through Relationship Marketing
2. Key concepts in relationship marketing
3. Relationship Marketing Programmes-Continuity Marketing, Individual marketing & Co-Marketing
This presentation covers the following points:
• Market Leader Strategies
• Market Challenger Strategies
• Market Follower Strategies
• Market Nicher Strategies
• Industry Life Cycle
• Challenges of A Mature Market
• Opportunities of A Mature Market
• Routes to revitalize a stagnant market
This presentation covers the following Aspects:
• Market-types of market
• Market segmentation
• Market segmentation strategies
• Target market strategies
• Positioning and its strategies
This unit covers the following points:
1.VMOST
2.What does Marketing Strategy Accomplish?
3. Overview of Strategic Market management
4. Objectives of strategic Market Management
5.Business Strategy
6.Strategic Marketing Management : Characteristics and trends
7.Objective of Strategic management
8.Difference between Strategic Marketing & Marketing Strategy
9.Business Vision its components
10. BHAG
11.Understanding how the Market segments
12.An analysis of Customer Motivation
13.Exploration of unmet needs
14.The KANO MODEL
403 Competing in Global Markets Unit 1ashishjaswal
This presentation covers the following points:
1.Introduction to the curriculum
2.International Marketing Concepts
3.Reasons For Entering Global Markets
4.INTERNATIONAL MARKETING ORIENTATION
301 STRATEGIC MANAGEMENT TOPIC strategic intent and visionashishjaswal
This Presentation covers the Understanding of the term Strategic Intent, Components of Strategic Intent and Vision. Vision covers were aspects as:
1. Definition of Vision
2. Characteristics
3.Importance
4. Necessity
5.Change in Vision
6. Critical Analysis
301 Unit 1 Strategic Management Processashishjaswal
This presentation is an understanding of some definitions in context to Process of Strategic Management. It makes to know the process through Block Diagram and Stepdown Diagram of the Strategic Management
301 Unit 1 lecture 4 definition ,nature and function of Strategyashishjaswal
This Presentation covers the critical analysis of the definition of Strategic Management. It also Discuss the Nature and Function of the strategic management
Unit 1 lecture 1.1 lesson from Mahabharata and Course introductionashishjaswal
This Presentation is created with an objective to Connect the lessons that can be learned with the Course of Strategic Management.It also gives a Bird View about the Course to be studied in Sem -III
National Pension System (NPS) is one of the most preferred investment instruments among investors because of its tax benefits, low-cost structure, and good returns
Financial Planning is the long-term method of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life.
This presentation highlights about Motor Insurance, Types
Basis of Sum Insured, Dos and Don'ts for Motor Insurance and
General Advice for Motor Insurance
When most people in the industry talk about online or digital reputation management, what they're really saying is Google search and PPC. And it's usually reactive, left dealing with the aftermath of negative information published somewhere online. That's outdated. It leaves executives, organizations and other high-profile individuals at a high risk of a digital reputation attack that spans channels and tactics. But the tools needed to safeguard against an attack are more cybersecurity-oriented than most marketing and communications professionals can manage. Business leaders Leaders grasp the importance; 83% of executives place reputation in their top five areas of risk, yet only 23% are confident in their ability to address it. To succeed in 2024 and beyond, you need to turn online reputation on its axis and think like an attacker.\
Key Takeaways:
- New framework for examining and safeguarding an online reputation
- Tools and techniques to keep you a step ahead
- Practical examples that demonstrate when to act, how to act and how to recover
When most people in the industry talk about online or digital reputation management, what they're really saying is Google search and PPC. And it's usually reactive, left dealing with the aftermath of negative information published somewhere online. That's outdated. It leaves executives, organizations and other high-profile individuals at a high risk of a digital reputation attack that spans channels and tactics. But the tools needed to safeguard against an attack are more cybersecurity-oriented than most marketing and communications professionals can manage. Business leaders Leaders grasp the importance; 83% of executives place reputation in their top five areas of risk, yet only 23% are confident in their ability to address it. To succeed in 2024 and beyond, you need to turn online reputation on its axis and think like an attacker.
Key Takeaways:
- New framework for examining and safeguarding an online reputation
- Tools and techniques to keep you a step ahead
- Practical examples that demonstrate when to act, how to act and how to recover
A.I. (artificial intelligence) platforms are popping up all the time, and many of them can and should be used to help grow your brand, increase your sales and decrease your marketing costs.In this presentation:We will review some of the best AI platforms that are available for you to use.We will interact with some of the platforms in real-time, so attendees can see how they work.We will also look at some current brands that are using AI to help them create marketing messages, saving them time and money in the process. Lastly, we will discuss the pros and cons of using AI in marketing & branding and have a lively conversation that includes comments from the audience.
Key Takeaways:
Attendees will learn about LLM platforms, like ChatGPT, and how they work, with preset examples and real time interactions with the platform. Attendees will learn about other AI platforms that are creating graphic design elements at the push of a button...pre-set examples and real-time interactions.Attendees will discuss the pros & cons of AI in marketing + branding and share their perspectives with one another. Attendees will learn about the cost savings and the time savings associated with using AI, should they choose to.
For too many years marketing and sales have operated in silos...while in some forward thinking companies, the two organizations work together to drive new opportunity development and revenue. This session will explore the lessons learned in that beautiful dance that can occur when marketing and sales work together...to drive new opportunity development, account expansion and customer satisfaction.
No, this is not a conversation about MQLs and SQLs. Instead we will focus on a framework that allows the two organizations to drive company success together.
The session includes a brief history of the evolution of search before diving into the roles technology, content, and links play in developing a powerful SEO strategy in a world of Generative AI and social search. Discover how to optimize for TikTok searches, Google's Gemini, and Search Generative Experience while developing a powerful arsenal of tools and templates to help maximize the effectiveness of your SEO initiatives.
Key Takeaways:
Understand how search engines work
Be able to find out where your users search
Know what is required for each discipline of SEO
Feel confident creating an SEO Plan
Confidently measure SEO performance
The digital marketing industry is changing faster than ever and those who don’t adapt with the times are losing market share. Where should marketers be focusing their efforts? What strategies are the experts seeing get the best results? Get up-to-speed with the latest industry insights, trends and predictions for the future in this panel discussion with some leading digital marketing experts.
Videos are more engaging, more memorable, and more popular than any other type of content out there. That’s why it’s estimated that 82% of consumer traffic will come from videos by 2025.
And with videos evolving from landscape to portrait and experts promoting shorter clips, one thing remains constant – our brains LOVE videos.
So is there science behind what makes people absolutely irresistible on camera?
The answer: definitely yes.
In this jam-packed session with Stephanie Garcia, you’ll get your hands on a steal-worthy guide that uncovers the art and science to being irresistible on camera. From body language to words that convert, she’ll show you how to captivate on command so that viewers are excited and ready to take action.
10 Video Ideas Any Business Can Make RIGHT NOW!
You'll never draw a blank again on what kind of video to make for your business. Go beyond the basic categories and truly reimagine a brand new advanced way to brainstorm video content creation. During this masterclass you'll be challenged to think creatively and outside of the box and view your videos through lenses you may have never thought of previously. It's guaranteed that you'll leave with more than 10 video ideas, but I like to under-promise and over-deliver. Don't miss this session.
Key Takeaways:
How to use the Video Matrix
How to use additional "Lenses"
Where to source original video ideas
Mastering Multi-Touchpoint Content Strategy: Navigate Fragmented User JourneysSearch Engine Journal
Digital platforms are constantly multiplying, and with that, user engagement is becoming more intricate and fragmented.
So how do you effectively navigate distributing and tailoring your content across these various touchpoints?
Watch this webinar as we dive into the evolving landscape of content strategy tailored for today's fragmented user journeys. Understanding how to deliver your content to your users is more crucial than ever, and we’ll provide actionable tips for navigating these intricate challenges.
You’ll learn:
- How today’s users engage with content across various channels and devices.
- The latest methodologies for identifying and addressing content gaps to keep your content strategy proactive and relevant.
- What digital shelf space is and how your content strategy needs to pivot.
With Wayne Cichanski, we’ll explore innovative strategies to map out and meet the diverse needs of your audience, ensuring every piece of content resonates and connects, regardless of where or how it is consumed.
5 big bets to drive growth in 2024 without one additional marketing dollar AND how to adapt to the biggest shifting eCommerce trend- AI.
1) Romance Your Customers - Retention
2) ‘Alternative’ Lead Gen - Advocacy
3) The Beautiful Basics - Conversion Rate Optimization
4) Land that Bottom Line - Profitability
5) Roll the Dice - New Business Models
Digital marketing is the art and science of promoting products or services using digital channels to reach and engage with potential customers. It encompasses a wide range of online tactics and strategies aimed at increasing brand visibility, driving website traffic, generating leads, and ultimately, converting those leads into customers.
https://nidmindia.com/
Mastering Local SEO for Service Businesses in the AI Era is tailored specifically for local service providers like plumbers, dentists, and others seeking to dominate their local search landscape. This session delves into leveraging AI advancements to enhance your online visibility and search rankings through the Content Factory model, designed for creating high-impact, SEO-driven content. Discover the Dollar-a-Day advertising strategy, a cost-effective approach to boost your local SEO efforts and attract more customers with minimal investment. Gain practical insights on optimizing your online presence to meet the specific needs of local service seekers, ensuring your business not only appears but stands out in local searches. This concise, action-oriented workshop is your roadmap to navigating the complexities of digital marketing in the AI age, driving more leads, conversions, and ultimately, success for your local service business.
Key Takeaways:
Embrace AI for Local SEO: Learn to harness the power of AI technologies to optimize your website and content for local search. Understand the pivotal role AI plays in analyzing search trends and consumer behavior, enabling you to tailor your SEO strategies to meet the specific demands of your target local audience. Leverage the Content Factory Model: Discover the step-by-step process of creating SEO-optimized content at scale. This approach ensures a steady stream of high-quality content that engages local customers and boosts your search rankings. Get an action guide on implementing this model, complete with templates and scheduling strategies to maintain a consistent online presence. Maximize ROI with Dollar-a-Day Advertising: Dive into the cost-effective Dollar-a-Day advertising strategy that amplifies your visibility in local searches without breaking the bank. Learn how to strategically allocate your budget across platforms to target potential local customers effectively. The session includes an action guide on setting up, monitoring, and optimizing your ad campaigns to ensure maximum impact with minimal investment.
Core Web Vitals SEO Workshop - improve your performance [pdf]Peter Mead
Core Web Vitals to improve your website performance for better SEO results with CWV.
CWV Topics include:
- Understanding the latest Core Web Vitals including the significance of LCP, INP and CLS + their impact on SEO
- Optimisation techniques from our experts on how to improve your CWV on platforms like WordPress and WP Engine
- The impact of user experience and SEO
Most small businesses struggle to see marketing results. In this session, we will eliminate any confusion about what to do next, solving your marketing problems so your business can thrive. You’ll learn how to create a foundational marketing OS (operating system) based on neuroscience and backed by real-world results. You’ll be taught how to develop deep customer connections, and how to have your CRM dynamically segment and sell at any stage in the customer’s journey. By the end of the session, you’ll remove confusion and chaos and replace it with clarity and confidence for long-term marketing success.
Key Takeaways:
• Uncover the power of a foundational marketing system that dynamically communicates with prospects and customers on autopilot.
• Harness neuroscience and Tribal Alignment to transform your communication strategies, turning potential clients into fans and those fans into loyal customers.
• Discover the art of automated segmentation, pinpointing your most lucrative customers and identifying the optimal moments for successful conversions.
• Streamline your business with a content production plan that eliminates guesswork, wasted time, and money.
Digital Commerce Lecture for Advanced Digital & Social Media Strategy at UCLA...Valters Lauzums
E-commerce in 2024 is characterized by a dynamic blend of opportunities and significant challenges. Supply chain disruptions and inventory shortages are critical issues, leading to increased shipping delays and rising costs, which impact timely delivery and squeeze profit margins. Efficient logistics management is essential, yet it is often hampered by these external factors. Payment processing, while needing to ensure security and user convenience, grapples with preventing fraud and integrating diverse payment methods, adding another layer of complexity. Furthermore, fulfillment operations require a streamlined approach to handle volume spikes and maintain accuracy in order picking, packing, and shipping, all while meeting customers' heightened expectations for faster delivery times.
Amid these operational challenges, customer data has emerged as an important strategy. By focusing on personalization and enhancing customer experience from historical behavior, businesses can deliver improved website and brand experienced, better product recommendations, optimal promotions, and content to meet individual preferences. Better data analytics can also help in effectively creating marketing campaigns, improving customer retention, and driving product development and inventory management.
Innovative formats such as social commerce and live shopping are beginning to impact the digital commerce landscape, offering new ways to engage with customers and drive sales, and may provide opportunity for brands that have been priced out or seen a downturn with post-pandemic shopping behavior. Social commerce integrates shopping experiences directly into social media platforms, tapping into the massive user bases of these networks to increase reach and engagement. Live shopping, on the other hand, combines entertainment and real-time interaction, providing a dynamic platform for showcasing products and encouraging immediate purchases. These innovations not only enhance customer engagement but also provide valuable data for businesses to refine their strategies and deliver superior shopping experiences.
The e-commerce sector is evolving rapidly, and businesses that effectively manage operational challenges and implement innovative strategies are best positioned for long-term success.
AI-Powered Personalization: Principles, Use Cases, and Its Impact on CROVWO
In today’s era of AI, personalization is more than just a trend—it’s a fundamental strategy that unlocks numerous opportunities.
When done effectively, personalization builds trust, loyalty, and satisfaction among your users—key factors for business success. However, relying solely on AI capabilities isn’t enough. You need to anchor your approach in solid principles, understand your users’ context, and master the art of persuasion.
Join us as Sarjak Patel and Naitry Saggu from 3rd Eye Consulting unveil a transformative framework. This approach seamlessly integrates your unique context, consumer insights, and conversion goals, paving the way for unparalleled success in personalization.
2. Outline
Introduction
CIBIL Score
CIBIL Report
Eligibility To Check CIBIL Score
Factors Affecting CIBIL Score
Types Of Credit That Impacts Credit Score
Benefits Of Maintaining A Good CIBIL Score
Consumer CIBIL Bureau Vs Commercial CIBIL
Bureau
3. CIBIL
Credit Information Bureau (India) Limited
Also known as TransUnion CIBIL
India’s oldest Credit Information Company (CIC)
Establishment in 2000,
Generate the CIBIL credit report and CIBIL Score.
Headquartered in Bangalore
Associated with over 2600 institutions
4. CIBIL Score
3-digit number ranging from 300 to 900
Higher the CIBIL score (i.e. close to 900), the better are your
chances of getting approved for a new loan or credit card in the
future.
5. CIBIL Report
CIR (Credit Information Report)
Shows credit history with respect to repayment of all prior
loans and credit cards.
7. Factors affecting CIBIL score
1) Repayment History
2) Credit Utilization Ratio
3) Simultaneous Loan/Credit Card Applications
4) Credit Mix
5) Increasing Credit Card Limit Frequently
6) Errors in Credit Report
7) Lack of Credit History
8) Inability to fulfill your role as a loan guarantor
8. TYPES OF CREDIT THAT IMPACTS CREDIT SCORE
• Having a balanced mix of secured and unsecured loans
• Too many unsecured loans adversely affects
9. Benefits of maintaining a good CIBIL score
Greater chances of loan applications being
approved
Likely to receive lower interest rate loans
Loans and credit cards are approved quickly
and easily
Access to pre-approved loans
Ability to avail higher credit card limit
Discount on processing fees and other
charges
10. Consumer CIBIL Bureau vs Commercial CIBIL Bureau
Consumer CIBIL bureau maintains credit
information of individuals
Commercial CIBIL bureau maintains credit
information of companies
