How do u understand cibil and it's description like dpd dbt sub standard Dbr ratio Foir ratio

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CIBIL is a credit information company that provides credit scores and reports to lenders. DPD stands for Days Past Due, DBT stands for Days Beyond Terms, sub standard refers to loans with high risk of default, Dbr ratio is Debt Burden Ratio, and FOIR ratio is Fixed Obligation to Income Ratio.

CIBIL is a credit information company that provides credit scores and reports to lenders
DPD stands for Days Past Due, indicating the number of days a payment is overdue
DBT stands for Days Beyond Terms, showing how many days a payment is overdue beyond the agreed terms
Sub standard refers to loans with a high risk of default
Dbr ratio is Debt Burden Ratio, which calculates the proportion of debt to income
FOIR ratio is Fixed Obligation to Income Ratio, measuring the percentage of income that goes towards fixed obligations like loan EMIs

How do u understand cibil and it's description like dpd dbt sub standard Dbr ratio Foir ratio

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