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(Ashok Goyal – Retd Chief Manager PNB)

CIBIL Consultants 448 Dalima Vihar Near Lakshmi Narain Mandir Rajpura 140401 Punjab.

Aadhar Enrollment, Updation and Print, Voter ID Print and Updation, Passport Appointments, Deposit and Withdrawals from Banks, SBI – CSP Services, Money Transfer Western Union, Ria and Transfast, PAN Cards, DigiLockers, Astrology, Utility Bills, Railway and Cheap Air Tickets, Pension Payments, Life Certificates.

9316077749 (Navneet Sood) and 9914540600 (Vipan Gupta)

Samadhan Kender, Patiala Road, Near Bikaner Mishtan Bhandar, Rajpura 140401 Punjab.

Sunday, October 1, 2017

Tell us your CIBIL Problem


Has your banker or lending institution turned down your request for Credit Card, Business Loan, Start-Up Loan, Personal Loan, Auto Loan, Car Loan, Home Loan, Commercial Vehicle Loan, Agricultural Loan or any other type of loan by saying:
  • Your CIBIL or Credit Report is not Good.
  • Your CIBIL Scores or Credit Scores are not up to the minimum mark for getting sanctioned the Bank Loans or Credit Card.
  • Your Credit Report has “Settled” or “Written Off” account.
  • Your CIBIL Report includes loan account where it is overdue or past due account.
  • Accounts reported in your Credit Report are categorized as Sub-Standard, Doubtful or Loss Assets.
  • Though the reported loan accounts are regular and you have exhausted your repaying capacity.
  • You are a joint or co-borrower in a loan account, which is in default.
  • You have stood as Guarantor in a loan account which remained in default in the past or is in default presently.
Then you may find it difficult to convince your banker or lending financial institution even if you are not a defaulter. Such questions can be answered easily only by a qualified and experienced professional, especially one who has practical banking experience and know how to analyze and get such damaging Credit Reports.

At the first instance, the analyst will require the following information from your side to proceed further for critical analysis of your Credit Reports by any Credit Rating Agency like CIBIL, Experian, Equifax or HighRank.


  1. Exact Name as per PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
  2. Exact Address as per PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
  3. Mobile Number and Email ID if any.
  4. PDF Copy of the latest CIBIL Report which should not be more than 10-15 days old.
  5. Scanned Copies of PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
  6. Account Numbers of your any Two previously closed loan/credit card accounts or existing loan/credit card accounts along with the amount of loan, Purpose of Loan and Year of Loan. Correct information on your existing or closed loan accounts will help us fetch your Credit Report more accurately from the various Credit Rating Agencies.
  7. Exact Problem: Narrate here that you visited your bankers and they refused to sanction your loan due to various reasons like i) Bad CIBIL Report ii) Poor Credit Score iii) Many Delinquency Strings in the Credit Report iv) Report includes overdue accounts, Settled Accounts and/or Written Off account.
You can submit the above documents through Contact Us after having a personal dialogue at given Mobile/Land Line Numbers.


Immediately after submitting the documents and information as above you will be directed to make online Payment of Professional Fees and Out of Pocket Expense through Online Payment Links at CIBIL Consultants.

Friday, September 29, 2017

How to Open a Bank Account Using Aadhaar Card

How to Open a Bank Account Using Aadhaar Card?

Open Bank Account using Aadhaar
Aadhaar is a 12-digit unique identification number issued by the UIDAI (The Unique Identification Authority of India) by capturing a person's biometric details such as fingerprints, iris scan and demographic information such as date of birth and address.

The importance of Aadhaar card has been growing significantly in India. Not only is it useful in availing subsidies, filing ITR and getting a gas connection but the government also made the Aadhaar card mandatory for opening bank accounts. Axis Bank was the first to introduce the KYC (Know your customer) service that allows customers to open the bank account simply by providing his/her unique identification number. However, this service is now being used by many banks across India.

Under this facility, the fingerprints of the customer are captured and sent to UIDAI for validation of identity and address proof.  Upon successful verification from UIDAI, the e-KYC service will ask for demographic details like the name of the person, his/her date of birth, address, phone, email, and photograph. Based on this information, the e-KYC certificate will be issued to the customer stamped with Quick Response (QR) Code to avoid duplicity of the certificate by the third party. This certificate will be used to open an account subject to satisfying other account opening requirements.

Benefits of Using Aadhaar Based e-KYC
  1. Opening bank account using Aadhaar based e-KYC eliminates the need to submit the address and ID proof.
  2. Secondly, the process to open a bank account using Aadhaar card based e-KYC is more convenient and time-saving.
  3. Aadhaar based e-KYC is completely safe and paperless, thus reducing the chances of forgery and theft.
  4. With Aadhaar based e-KYC, you no longer have to visit a bank to open your account and can complete the bank opening process while being at home.
  5. It saves you from standing in long queues at the bank. Just an OTP that you receive on your registered mobile number is required.

Application Process for Aadhaar Card Based e-KYC

Opening a bank account using Aadhaar card based e-KYC is quite simple and easy. All you need to do is to:
  1. Get an Aadhar card and submit it to the bank as your identity & address proof.
  2. Next, you will have to allow your bank to access data from the UIDAIs Central Data Repository.
  3. Visit the official website of your bank, and fill in the online application form and upload the required documents along with the photograph.
  4. An OTP (one-time password) will be generated and sent to your mobile number mentioned on the Aadhaar card.
  5. OTP should be entered and the form should be submitted.
  6. The bank will contact the customer for physical verification through Electronic In-Person Verification. It is an immediate video verification process.
  7. During this verification, customers will have to show their Aadhaar card or PAN card along with their respective bank statement.
  8. Once their KYC is registered, you will receive confirmation of it through e-mail and this status can be verified online.
  9. Sometimes banks may also ask the customer to sign and send a physical KYC application form.
While you wait for their verification, their bank looks for the approval of UIDAI to facilitate the use of e-KYC service. Once all essential details are obtained by the bank, the customer’s account will be opened immediately. e-KYC is a fast, easy and convenient procedure to open a bank account using Aadhaar card. Note that this process can only be utilized by Aadhar card holding citizen of India. So by now if you have not applied for your Aadhar card, do it right away to avail this service.

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