Quiz on Six Cs of Credit

Which 'C' of credit is assessed through the borrower's CIBIL report?

DSCR (Debt Service Coverage Ratio) is primarily used to assess which 'C' of credit?

A borrower has excellent collateral coverage of 150% but a DSCR of 0.7. Which is the correct assessment?

A government policy change results in import duty on the raw material used by a borrower's factory, increasing his input costs by 40%. Which 'C' of credit does this affect?

A credit officer assesses a borrower with: high net worth (Capital ✓), strong CIBIL (Character ✓), good DSCR (Capacity ✓), adequate collateral (Collateral ✓), but the borrower's factory does not have required environmental clearances. Which 'C' fails and what should the banker do?