Thank you sir ji Aapne bahot achi tarah samjhaya han video 2 sal purani hai par hai to bahot kam ki sari tention is video ne khatam kar di so thank you very much sir
@@adv.shoebshaikh9258 after foreclosing of particular loan they hit the emi in account without any information. And deduct emi amount from account. In case you didn't keep sufficient balance automatically that emi going to be bounce
bhai pls mujhe bhi batao ye dhani wale sale mera 800 ka credit score 400 p le aaye pta nahi kahre ki mentinence fees koi upay batay pranjal sir ya koi or
Hi Pranjal, I appreciate your work and effort. The information you are sharing is very helpfull in financial planning. Can I ask you to make a Video on senior citizens investment e.g age 60.i have not seen any such
As your age is 60 years you should invest in no risk or low risk investment options. I'd suggest investing in PPF, FD, RD. If you are looking for more liquidity, you can invest in liquid, debt or overnight funds.
Hello sir. I want to ask a question. Now-a-days, some companies are providing the credit limit (buy now and pay later mobile applications), the limit they provide show up in credit report by the name of loan type - Personal loan or consumer loan or other loan type. 1. What are the "other loan type" ? And do they affect the credit score negatively ? 2. And secondly, personal loan is good or bad for credit score ? I mean the apps which give credit line on the name of personal loan, will affect the credit score positively or negatively ? 3. Like I have experienced that the consumer loan always affect the credit score positively if we make all payments on time but what about personal loans and other type loans ? Looking forward for your reply.
make a video on no credit score. I applied for a credit card in 5 different banks but they rejected me because I don't have a credit score. I don't have a credit card or any loan.
Sir, please suggest where and how to rectify the mistakes done by banks and other institutions while updating the records of loans and repayments related to our credit history.
For those who doesn't know about credit enquiry- please be informed that if you make a loan application to a bank or NBFC the details of your application will be shown in your CIBIL report. If you make many applications within short period of time it means you are credit hungry and this will adversely affect your CIBIL score. Apps like money view never care about this fact. Once they get your name and mobile number they will applications on your behalf ,without your knowledge and that will adversely affect your CIBIL score. Even if dispute the same with CIBIL they will never care.
My experience would be useful. I keep my score checking every month. Last 15+ years not a single default of any payment till year 2019. Credit score 850+ In May 2019, I got call from HDFC, who was my home loan provider that they have credited erroreniously Rs. 5000 to my home loan and requested refund. Now this being error on account of bank I refunded their money by paying through their link. July 2019 credit report slashed 80 points down and I was shocked. HDFC shows days pass due payment for money which I refunded to them by helping them. Over and above I was charged with interest of late payment. Then process of rectification took 5-6 months I I took divorce with HDFC on account of such unacceptable misconduct. No transferred my loan to SBI. Points to note: 1. Not my mistake, but penalty in form of score drop. 2. Bank first always denied. Without seeing report and accepting their mistake, shamelessly says it may be due to some other loan of your. 3. I had to engage much time writing emails and meeting manager. Senior management not entertained any email though it was their fault. 4. Rectification process is time consuming and this needs to be easy and short. It takes years to build score. One incorrect step by bank and your score is gone. Then person who has suffered has to approach CIBIL for rectification. Isn't this incorrect procedure? There should be penalty clause for banks incorrect reporting also. Why customer should suffer for banks error? This point should be raised to CIBIL. Else these mistakes will continue on someone else's loss.
what he is not telling you is that, once you open paisa baazer account, they will take all your personal and financial details and then sell that to a data broker, remember if it's free then you are the product.
hi sir main aapki wo 20 series dekh raha hoon how to invest in share market .kaafi kuch seekhne ko mile hume aapki videos dekh k..sir ik concpect par muhhe confusion hao roe or roce ..inka formula bataiye nikaalne ka..jaise aapne btaya jb maine nikala to vo calculation sehi nhi aata ..ik baar dono ka formula bata diye k kaise nikaalna hai roe or roce...
Mera Credit score 756 tha June mein . Mera koi loan bhi nahi hai and credit card bhi nahi hai aur mera score 711 ho gaya hai iss month mein . Har month mein decrease ho raha hai without reason
I never taked loan , never buy anything on emi , have no credit card , i just search my cibil score two times only and it showing 776 cibil score , why ?
I make timely payments and utilisation ratio is low. But still my cibil score has fallen by 20 points in last 2 months. I assume first 10 points may be reduced due to a credit enquiry but I cannot figure out why another 10 is reduced the next month.
Interest not paid for 3 month, Kisi financial institutions se koi bhi loan leta hai aur uska Guarantor ban gaye aur woh default ho jaye. Hum uska loan nahi pataye as guarantor. Tab bhi CIBIL kharab hoti hai.
Ummed nhn thi. Mr. Kamra, aapaki report incomplete hogi. Kewal sponcer mn hn rh gaye. Rest mn clear kr deta hn. 1. Credit score zaldi-zaldi check nhn krni chahiye. 2. Aap loan k liye apply krte hn ar reject hoti hai to jaakar CS.. defect hota hai n ki kewal baar-baar apply krne se. 3. Bank account maintain krna chahiye, transaction hote rhna chahiye, 1 se jyada account nhn rkhana chahiye agar maintain naa ho sake. 4. Limit use krne se koi fark nhn padata. If u pay your EMI on time. Ulta company aapaki limit ar improve kr degi.
अगर हम क्रेडिट कार्ड का पूरा due पेमेंट कर कार्ड को बंद कर देते है। और बाद में पता चलता है। उस कार्ड पर कैस back हो कर कुछ पैसा जमा हो गया है तो क्या क्रैडिट स्कोर खराब होगा की नही।
मेरा फ़्लिपकर्ट पे लेटर का लोन चल रहा था मैंने उसको क्लोज करवाया तो मेरा पूरा सिविल ख़त्म हो गया अभी मेरा सिविल का कोई स्कोर नहीं। दिखा रहा है ऐसा होता है क्या अब कैसे ये सही होगा
Dear mera cibil score 746 hota tha kabhi isse neeche down nahi hua.mene mobikwik zip pay later use kiya .usme me 2000 ki limit mili or mene jaise hi transaction kiya to her transaction per cibil me account create ho gaye.jaise me 98 rupe ka recharge kiya to cibil me 98 rupes ka loan account create ho gaya.or usse late payment bhi dikha diya.fir mene mobkkwik or incred se contact karke me sahi kerva liya lakin ab 723 score hai or isse jyada nahi ho raha.ab koi negative entry bhi nahi. To ab kya kiya jaye score badhane ke liye
Thank you sir ji Aapne bahot achi tarah samjhaya han video 2 sal purani hai par hai to bahot kam ki sari tention is video ne khatam kar di so thank you very much sir
Video Starts at 04:23
Nice
Thanks
Thanks
Thank 😂
Thanks Bhai ❤
I am always in profit with your suggestions..thank you sir..I love to hear you always..
Really u are ginious sir , aap itne acche se explain karte hai ki koi bhi questions ya topic pucchne ke liye nahi bacch pata hai ...🙏🙏🙏🙏🙏🙏🙏
@Pranjal Kamra how can we contact you directly sir🙏
Amazing.
The way u make your viewers understand is amazing.
Love u sir.
❤️❤️❤️❤️👍👍👍👍
Thank you so much 😀
@@pranjalkamra
Hlo sir ...aapki videos bhut useful bhut hoti hai
Can u tell plz ki jyaada credit card lene se score pe farak padhta hai
Super and useful info taught in very easy way
Thank you
सर आप शेविंग ना करें आप ऐसे ही अच्छे लगते हैं 🙏😃
Pranjal ji, aapka mint your money kal start kiya and aaj khatm. Very useful and helped me 🥰
Please make a video on changing from regular to direct MF. When is the right time? How to.decrease the exit load and tax?
Sir share market kin reason ke karan strong hota hai aur kin reason ke karan fall hota hai . Is topic per bhi kwality video banaye .
Dhani finance co. Jaanbuj ke credit score bighad rahe hai.
Can you explain how
Same is the case with RBL bank.
@@adv.shoebshaikh9258 after foreclosing of particular loan they hit the emi in account without any information. And deduct emi amount from account. In case you didn't keep sufficient balance automatically that emi going to be bounce
Sahi bola bhai 👍
bhai pls mujhe bhi batao ye dhani wale sale mera 800 ka credit score 400 p le aaye pta nahi kahre ki mentinence fees koi upay batay pranjal sir ya koi or
Hi Pranjal, I appreciate your work and effort. The information you are sharing is very helpfull in financial planning.
Can I ask you to make a Video on senior citizens investment e.g age 60.i have not seen any such
As your age is 60 years you should invest in no risk or low risk investment options.
I'd suggest investing in PPF, FD, RD. If you are looking for more liquidity, you can invest in liquid, debt or overnight funds.
SSC
Thanks pranjal, you are the most genuine and reliable youtube out there if we talk about finance😊
Hello sir.
I want to ask a question.
Now-a-days, some companies are providing the credit limit (buy now and pay later mobile applications), the limit they provide show up in credit report by the name of loan type - Personal loan or consumer loan or other loan type.
1. What are the "other loan type" ?
And do they affect the credit score negatively ?
2. And secondly, personal loan is good or bad for credit score ?
I mean the apps which give credit line on the name of personal loan, will affect the credit score positively or negatively ?
3. Like I have experienced that the consumer loan always affect the credit score positively if we make all payments on time but what about personal loans and other type loans ?
Looking forward for your reply.
if you get an answer from anywhere else about a personal loan affect your credit score please tell me
I'm looking for the same info. Please let me know if you find any answer :)
make a video on no credit score. I applied for a credit card in 5 different banks but they rejected me because I don't have a credit score. I don't have a credit card or any loan.
Is this video too a part of the stock market lessons ?
Sir price action ki series bnaiye for biggners please sir🙏🙏❤️❤️
I wanted to comment first but the rate of unemployment in this Country won't allow me.....
Very helpful video sir 👍👍👍
Thanks and welcome!
Sir, please suggest where and how to rectify the mistakes done by banks and other institutions while updating the records of loans and repayments related to our credit history.
Cibil P dispute rease kro
@@Gamingking-hh4xp they don't care
सर आज मे आप का फर्स्ट विडिओ देखा i subscriber you
Thank you !
You explained very well...
For those who doesn't know about credit enquiry- please be informed that if you make a loan application to a bank or NBFC the details of your application will be shown in your CIBIL report. If you make many applications within short period of time it means you are credit hungry and this will adversely affect your CIBIL score.
Apps like money view never care about this fact. Once they get your name and mobile number they will applications on your behalf ,without your knowledge and that will adversely affect your CIBIL score. Even if dispute the same with CIBIL they will never care.
Exactly
solution kya hai??????????
Sir m apki sari vedio dekhta hu apko bhuy dino s follow krta hu
Thanks bhai
@@pranjalkamra it's my pleasure
Best video.... That sort of.... Sir!!!👍👍👍👌👌👌
क्रेडिट स्कोर🤔🤔🤔🤔🤔,nicee वीडियो प्रांजल जी😊😊👌👌👌👌🇮🇳🇮🇳🇮🇳🙏🙏🙏
For me last 4 minute very informative l
Cred, Indmoney main bhi dikhata h creditscore.
I guess they are not sponsoring... 😂
True 😄
Video pe tag h na paid promotion... Par information bhi toh di h.. Check kahi se bhi karo..
He shows you one of the way. If know it then ok it is not for you.
Sir plzzz make video on types of return in stockmarket
Big fan sir
Thank you so much sir for this series
May solution point❤ 7:00
Very eye opener!
My experience would be useful.
I keep my score checking every month. Last 15+ years not a single default of any payment till year 2019. Credit score 850+
In May 2019, I got call from HDFC, who was my home loan provider that they have credited erroreniously Rs. 5000 to my home loan and requested refund. Now this being error on account of bank I refunded their money by paying through their link.
July 2019 credit report slashed 80 points down and I was shocked. HDFC shows days pass due payment for money which I refunded to them by helping them. Over and above I was charged with interest of late payment.
Then process of rectification took 5-6 months I I took divorce with HDFC on account of such unacceptable misconduct. No transferred my loan to SBI.
Points to note:
1. Not my mistake, but penalty in form of score drop.
2. Bank first always denied. Without seeing report and accepting their mistake, shamelessly says it may be due to some other loan of your.
3. I had to engage much time writing emails and meeting manager. Senior management not entertained any email though it was their fault.
4. Rectification process is time consuming and this needs to be easy and short. It takes years to build score. One incorrect step by bank and your score is gone. Then person who has suffered has to approach CIBIL for rectification. Isn't this incorrect procedure? There should be penalty clause for banks incorrect reporting also. Why customer should suffer for banks error?
This point should be raised to CIBIL. Else these mistakes will continue on someone else's loss.
Nice video mujhe maloom nhi tha thanks
Pranjal sir ap sher ke vidio kyo nahi banate। 2)sher market ka babal ke bareme apki kay ray hai please explain🙏🙏🙏
Good information with paysabazaar promotion❤
what he is not telling you is that, once you open paisa baazer account, they will take all your personal and financial details and then sell that to a data broker, remember if it's free then you are the product.
I want u as my mentor
Tq sir
Nice video!!
Plz make video on how to increase life insurance amount
Sir Stock market k liye konsi bank account sahi rahega??? Please bata dijiye sir🙏🙏🙏🙏🙏
hi sir main aapki wo 20 series dekh raha hoon how to invest in share market .kaafi kuch seekhne ko mile hume aapki videos dekh k..sir ik concpect par muhhe confusion hao roe or roce ..inka formula bataiye nikaalne ka..jaise aapne btaya jb maine nikala to vo calculation sehi nhi aata ..ik baar dono ka formula bata diye k kaise nikaalna hai roe or roce...
Excellent information sir
Thanks and welcome!
Financial Educator rated AAA with Best Interest of Audience ❤️
Very very thanks 👍👍 sir ji super information
sir ji low credit mix ke impact ke bare mei video bnaye or isko improve kaise kr sakte hai
one question, maximum cerdit limit usage is on overall credit cards that I have combined or individual credit card?
Individual
combined
It's combined. This is why it's wise to have multiple credit cards if your credit utilisation is high.
Excellent
Thank you so much sir
Samjha nahi aaya sir
Thank you for reply sir 🥰
We Love You, Pranjal Bhai❤
When are you launching your android app? Or share the link if it is already launched.
Sir, please make a video on InvIT.
Mera Credit score 756 tha June mein . Mera koi loan bhi nahi hai and credit card bhi nahi hai aur mera score 711 ho gaya hai iss month mein . Har month mein decrease ho raha hai without reason
My credit score is decreased bcz of Credit Age , what is credit age ?
If in my pan card any other unknown loan showing than how to delete that from my pan card ?
I never taked loan , never buy anything on emi , have no credit card , i just search my cibil score two times only and it showing 776 cibil score , why ?
I make timely payments and utilisation ratio is low. But still my cibil score has fallen by 20 points in last 2 months. I assume first 10 points may be reduced due to a credit enquiry but I cannot figure out why another 10 is reduced the next month.
Simply Awesome Sir
Thanks a lot!
Interest not paid for 3 month, Kisi financial institutions se koi bhi loan leta hai aur uska Guarantor ban gaye aur woh default ho jaye. Hum uska loan nahi pataye as guarantor. Tab bhi CIBIL kharab hoti hai.
Right time pe sir ki video aayi h ..mere bhi credit falling ho raha hh
The biggest mistake one can do is spending huge money just to improve the credit score. This will spiral into a vicious cycle more often than not.
kitna score acha hota h.. or ye kse pta chlega ki decrease ho rha hai ya increase bcz hme yaad nhi rhta last month kitna tha
Thank you for this Video..Maine bhi Bahut Search Kiya...Aap ke Nam se Video...But Nahi tha 😭
Ek detail video on algo trading with benefits
Kitne credit card rakhne chahiye. Kya jyada credit cards rakhne se koi problem hoti hai ?
Good sir ji
Very informative video
Nice video. Your comment box is filled with spam messages and scammers. I hope RUclips needs to fix this somehow.
@@user-bv9sj7dv4j another scammer. 😤 Using your name sir. Be aware people.
Berger paints?
m paying time to time emi y my cibil score getting down ...
last 3 months ago 750 now it showing 670 ... plz tell reason ...
If you got any solutions please do share feedback here
till yesterday my cibil was 762 now 683 i dont know why
Sir, what is a pi network ?
Should I start using Credit cards just to create my Credit Score?
Nice.... keep it up
Earlier my credit score was above 800. Now civil score reduced due to age of credit cards is poor.What is this sir
Hello sir, Have a nice everyday
Amazing sir🔥
Thnk you
@panjalkamra maine aaaj Tak lia he nahi but cibil khraab hai kaise thik hoga ye aur agr khrab hua to koi tarika hai ise track karne ka
Ummed nhn thi. Mr. Kamra, aapaki report incomplete hogi. Kewal sponcer mn hn rh gaye. Rest mn clear kr deta hn.
1. Credit score zaldi-zaldi check nhn krni chahiye.
2. Aap loan k liye apply krte hn ar reject hoti hai to jaakar CS.. defect hota hai n ki kewal baar-baar apply krne se.
3. Bank account maintain krna chahiye, transaction hote rhna chahiye, 1 se jyada account nhn rkhana chahiye agar maintain naa ho sake.
4. Limit use krne se koi fark nhn padata. If u pay your EMI on time. Ulta company aapaki limit ar improve kr degi.
SADHANA NITRO ke bare main batayen 19 july 2021 main 2:5 ka bonus share aayega.
Thanks sir
But now days it changes if you check they deduct some point LD from CIBIL score
Aapne to 2nd wala bataya hi nhi..jinhone kabhi koi loan liya hi nhi..
mera score 320 tha .... 5 mahine se ek secured card use kar raha hun.
ab 800+ credit score hogaya hai aur RBL bank se roz offer aaraha hai 🤓
Hey can you please help me how to increase iy
Dear pranjal sir
mera credit score 800 tha or dhani walon ne 400 kar diya pls help me kya karu pta nahi kon konse mentinence charge lets rahte h
How to rectify if someone else's loan is shown in my cibil score and his default is affecting my cibil score
अगर हम क्रेडिट कार्ड का पूरा due पेमेंट कर कार्ड को बंद कर देते है। और बाद में पता चलता है। उस कार्ड पर कैस back हो कर कुछ पैसा जमा हो गया है तो क्या क्रैडिट स्कोर खराब होगा की नही।
Hi pranjal
I want to know what if we raise a query to cibil of an unknown loan amount that was attached with my cibil.
But I don't know about that
Thank you so much sir 🙏❤
Most welcome!
Bhai Mera 752 cibil score h but Maine 2.5 year me 10 queries hi kri h lekin mujhe personal loan ni mil ra h plz tell me
Time to time payment 116=116
Aaj 139 point drop ho gaya yaar wajah pata nahi kya karu sir?
ye sab teek hai lakin phir bhi score kam huva, ab kya, is there any way to check exactly why my score dropped ??????????
Please tell me what is the prospect of ' 'CAMS' in the long run
Go with Dixon.....
Thanks !
I have Dixon. CAMS is not good for long term is it
Suppose our father's credit score is bad then do it hamper our credit score as well??
Sir what about whom have not any credit card and don’t have enough money to secured fD. How will they improve
मेरा फ़्लिपकर्ट पे लेटर का लोन चल रहा था मैंने उसको क्लोज करवाया तो मेरा पूरा सिविल ख़त्म हो गया अभी मेरा सिविल का कोई स्कोर नहीं। दिखा रहा है ऐसा होता है क्या अब कैसे ये सही होगा
Dear mera cibil score 746 hota tha kabhi isse neeche down nahi hua.mene mobikwik zip pay later use kiya .usme me 2000 ki limit mili or mene jaise hi transaction kiya to her transaction per cibil me account create ho gaye.jaise me 98 rupe ka recharge kiya to cibil me 98 rupes ka loan account create ho gaya.or usse late payment bhi dikha diya.fir mene mobkkwik or incred se contact karke me sahi kerva liya lakin ab 723 score hai or isse jyada nahi ho raha.ab koi negative entry bhi nahi.
To ab kya kiya jaye score badhane ke liye
Informative thanks
Sir me Mercator ka share buy kia hun jo ki Trade for trade he . Kindly boliye ki keise sail karen
Sir kya margin trading karney par mera cibil score bar sakta hey?
Ek question h bohot sare pay later apps h kya unka use bhi impact krta h score p?