Rajiv Raj (Co-Founder)
Rajiv Raj is a credit expert with over 17 years of experience in personal finance, consumer banking industry and in the credit bureau sector.
Email: rajiv.raj@creditvidya.com
Our Expert Says
Two Gold Loans from Karvy Finance are outstanding on your CIBIL Report. These loans were opened in 2012 and we are pretty sure that these loans should be closed by now. Please make sure that you get information updated on your CIBIL Report. This does not impact your Score but you should keep your report error free.
Your credit card from Axis Bank (8869) is helping your with your CIBIL Score. We noticed that you are not running a balance on this card either - please maintain this habit. You have a fairly young credit history, so make sure you never close this card. Avoid any late payments and always keep utilization below 10%
You have in the past, missed payments on three of your accounts. However, you have shown good financial discipline in last 9 months and you have been rewarded for that. But, please remember missing payments in the future can
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Personal Information
Your Home
Net Income
| Total take home salary for this year | Rs. 40,000,00 |
| Bonus | Rs. 50,000 |
| Business/Professional Income | |
| Rental Income | Rs. 20,000 |
| Interest/Dividend Earned | Rs. 10,000 |
| Other Income | |
| Total | Rs. 1,00,000 |
|---|
Assets
| Monthly saving from your salary | Rs. 40,000 |
| Money as liquid assets | Rs. 50,000 |
Expense
| Homeloan EMI Paymenys | Rs. 40,000 |
| Carloan EMI Payments | Rs. 50,000 |
| Outstanding Balance on Creditcards | |
| EMI on Consumer loan | Rs. 20,000 |
| Anyother liability | Rs. 10,000 |
| Insurance Payments | |
| Rent | Rs. 40,000 |
| Food+Travel+Other Expenses | Rs. 65,000 |
| Total | Rs. 1,00,000 |
|---|
Expense
| Monthly saving from your salary | Rs. 40,000 |
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022-23567394
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