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Episode 14 – CIBIL vs. Credit Behaviour: What Really Matters More?
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Episode 14 – CIBIL vs. Credit Behaviour: What Really Matters More?
Most entrepreneurs believe that “Good CIBIL = Guaranteed Loan.” But from a banker’s desk, the reality is very different.
In this episode of Smart Credit Bytes, I uncover:
- What your CIBIL score really means — and its limits
- The banker’s hidden lens: what “credit behaviour” actually includes
- Why even 750+ CIBIL borrowers sometimes get rejected
- The most common mistakes MSMEs make
- A 3-pillar framework to build strong, lasting credit health
👉 If you’ve ever wondered why loans get delayed or declined despite a “perfect score,” this episode is a must-listen.
Keywords: CIBIL score, credit behaviour, MSME loans, account conduct, banking insights, loan rejection, credit appraisal
41 episodes
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