Credit/CIBIL Score explained in Hindi | Applying for a loan? | Ankur Warikoo

What is #CIBIL score? Is it different from #credit score? How can you calculate it?

In this video, I will share with you the importance of having a good credit history, and how you can build a good credit score even if you are a student, and how it will help you going ahead.

Along with this, we will also talk about the right mix of #loans, your credit worthiness, and more than anything else, how to manage your finances for a good CIBIL score.

If you have any questions that were not answered, feel free to ask in the comments section below!

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Ankur Warikoo is an entrepreneur, an angel investor, a mentor and an active public speaker.
For the past 4 years, Warikoo has been actively sharing content on YouTube, LinkedIn, Instagram, Facebook and Twitter amassing a following of 1.8Mn+ people.
He posts 3 Hindi and English videos every week on his YouTube channel, where he talks about entrepreneurship, how to grow in life, personal finance and failure.

Prior to that, Ankur started Groupon’s India business in 2011 and acted as the Country CEO from 2011-15, and Head of Groupon APAC from 2013-15.

An alumnus of the Indian School of Business, Ankur is an active Angel investor and mentor to several startups.

Ankur has been part of Fortune Magazine’s 40 under 40 List for India, LinkedIn India’s PowerProfiles List, LinkedIn India’s Spotlight List and India’s Top Executives under 40 list.

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My bestselling books:

My gear for shooting this video:

Useful links:

The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.

Let’s connect online:

[poetic_soul_sid]

Thank you so much Ankur sir. I am glad that I am subscribed your channel . Such knowledge you are sharing with free of cost which will shape my life with better future. Once again thank you so much sir 😘 for sharing all financial knowledge with us ❤️

[medhanigam]

How can a person be so consistent in uploading such highly qualitative and informative video . Hats off to you ankur

[fakiraoye]

I'm glad that we have such person on YouTube who guides youth and people in life's most important aspect
I wish I had him when I was young

[mrinaliniperuvaludhi]

This is the most easy to understand video about Credit rating. Kudos to you for spreading financial literacy among young adults through such videos Ankur!

[ekantsaini]

Ankur, a lot the stuff that you share is 'NOW' known to me. But I so wish that you were a YouTuber like 10 years ago. Your videos would have been even more beneficial for me then. As you always recommend in your vids, start investing 'NOW'. I wish I did back then. But still, no worries. I am in my late 20's and your content is a great source of inspiration and direction for me. So, thank you. People like you are helping build a better India for tomorrow and make me even more proud to be an Indian..

To all the college students/ freshers: please follow this guy's directions. You will realise its impact in long term.

[singhayush-vrib]

You have told Previously that we should not take loan in our early 20s other than education loan.👍

[sameermahapatra]

Came through Srikant bhai
And fall in love on the knowledge of ankur sir😍😍👍

[Vlogwithshreyaa]

It was 200% useful sir. Learning something new through your videos CIBIL score . Wasn't aware about this ever in my life. 🙂

[SyedSaifSpace]

This type of content is exactly what we need! Thank you Ankur for your consistent uploads :)

[akshat_]

Amazing video Ankur sir. I'm 17 and im so glad that i came across your channel. I'm so glad I'm able to expand my horizon towards financial literacy. Thank you so much.

[onlyfalikele]

Thank you Ankur sir, I seen your all the videos, and I have started the investment of 10% my earnings, ..most I liked he his explanations is in hindi

[fintalks]

Sir you are great, I have been following you for half a year now. I wonder why many people don't have exposure to such quality content and such a helpful person. Keep uploading and keep helping us. Meanwhile I'll make sure that people get exposure by myself sharing the videos. 🙏💯❤

[adivlogs]

Why school don't teach us those stuffs, this is real life education

[PANKAJKUMAR-fezn]

Your every video is real life skill which college doesn't teach us...❣️❣️❣️

[umang]

I got to learn this new thing:
When you are a guarantor in any kind of loan i.e education, business, .. then if the person who has taken the loan doesn’t pay emi on time or does a default then it will also impact your credit score. Thank you so much for this knowledge 😁

[sushmitadevi]

Amazing video. Can you make a video on students loan? As you know that college admissions are going to start in few months... And I don't know much about it.

[snehalvy]

Excellent 👌 One other factor is loan enquiry as well. Banks also check how many recent related loan enquiries are done. If related loan enquiries are high in number then banks become suspicious abt the intention of the borrower. That generally means u have applied to multiple banks but those banks have not granted u the loan or maybe u r not serious abt the loan and doing just a window shopping. So would advise genuine borrowers to avoid this behaviour.

[YadhuGopalG]

I'm on a mission commenting on every video Ankur has put out in the hopes that I get a spot on his 30-minute zoom video call one day!
Cheers from Kerala!

[akshay-iiik]

Aham namami gurudev 🙏🙏☮️...ma ek first year diploma mechanical engineer student hu aur ek spritual practisoner bhi mere life ma ek book aai zenyoga jo hame aware rehna sikhati ha how our mind works but uske saath mujhe khud ko jaane ji journey ma money bhi important ha aur mujhe business ka b bhi nahi aata lekin aapki video mere liye vardaan ha I'm on the way to watch your all videos....mujhe aashirvaad dena taki ma sprituality ke raaste ma jaane je liya utna paisa kama paau jitni mujhe zaroorat aapke andar present infinite soul ko naman karta hu ma

[kashyap]

Wish I would have seen your videos before 3 years when I started my work life