Episode 14 – CIBIL vs. Credit Behaviour: What Really Matters More?

Most entrepreneurs believe that “Good CIBIL = Guaranteed Loan.” But from a banker’s desk, the reality is very different.

In this episode of Smart Credit Bytes, I uncover:

• What your CIBIL score really means — and its limits
• The banker’s hidden lens: what “credit behaviour” actually includes
• Why even 750+ CIBIL borrowers sometimes get rejected
• The most common mistakes MSMEs make
• A 3-pillar framework to build strong, lasting credit health

👉 If you’ve ever wondered why loans get delayed or declined despite a “perfect score,” this episode is a must-listen.

Keywords: CIBIL score, credit behaviour, MSME loans, account conduct, banking insights, loan rejection, credit appraisal