Loan Statement/ RTR Evaluation

For credit profiling of a borrower, the old track records of repayment of loan is one of the most essential processes before sanctioning of loan. CIBIL report has reduced the risk of NPA’s (Non Performing Asset) significantly. Although, repayment track records are required to understand the pattern of the transaction for better rationalisation of credit profiling. Recently it has been found, that various factors have been ignored in the process of evaluating CIBIL report, leading to wrong rejections of loan cases.