CIBIL: IDFC Personal Loan and Business loan added by mobikwik

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Deal Subedar
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1980
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I have mobikwik account and have zip later account with 10k limit. When I checked my recent cibil report it shows two idfc loans one with 30k and another with 50k. When I checked with idfc customer care they said it is linked with mobikwik. I have raised dispute.



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Even in my cibil report it is showing 50000 idfc loan. Utilization is zero. How to raise dispute in idfc bank? 😠

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its sanctioned amount for your account

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It is normal
Edit: It should be only one entry
(The other is related to FK PayLater or OlaPostpaid?)

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nomag wrote:

its sanctioned amount for your account

50000 showing as business loan.
Is it normal?

When i tried to login idfc bank it showed no loans. But in cibil it is showing 50000 as business loan with zero utilization.

Where this sanctioned limit? In fk or mobikwik?

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Bk100 wrote:

50000 showing as business loan.
Is it normal?

When i tried to login idfc bank it showed no loans. But in cibil it is showing 50000 as business loan with zero utilization.

Where this sanctioned limit? In fk or mobikwik?

It means your acc is good for up to 50k loan limit as per IDFC & based on it flipkart/mobikwik may choose to increase your limit in future till this amount without needing anything from your side.

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guest_999 wrote:

It means your acc is good for up to 50k loan limit as per IDFC & based on it flipkart/mobikwik may choose to increase your limit in future till this amount without needing anything from your side.

It dose not add any risk in my account. Is it correct?

After data leak i am seeing everything with suspicion. 😌

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Bk100 wrote:

It dose not add any risk in my account. Is it correct?

After data leak i am seeing everything with suspicion. 😌

As long as you can link any loan entry in your cibil report to something under your name then it is fine. Issue happens when there is a loan entry not linked to anything related to you. e.g. if you had never activated any flipkart/amazon/mobikwik/paytm/ola postpaid/pay later type option & still see such entry then it is risk.

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guest_999 wrote:

As long as you can link any loan entry in your cibil report to something under your name then it is fine. Issue happens when there is a loan entry not linked to anything related to you. e.g. if you had never activated any flipkart/amazon/mobikwik/paytm/ola postpaid/pay later type option & still see such entry then it is risk.

Mobikwik logging page I am see 60000 shopping loan offer. May be this is linked to that.

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Bk100 wrote:

Mobikwik logging page I am see 60000 shopping loan offer. May be this is linked to that.

Then avail it, since limit already appeared in cibil so no point in not at least availing it.

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guest_999 wrote:

Then avail it, since limit already appeared in cibil so no point in not at least availing it.

I dont need any loan as of now.

Actually i myself financing many of my friends "@ just 12% per annum

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Bk100 wrote:

I dont need any loan as of now.

Actually i myself financing many of my friends "@ just 12% per annum

Sahi hai.

Mereko dega loan? Mein 25 din pe paisa double kar dunga. (Just Like laxmi chit fund from movie phir hera pheri)

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InvestPotato wrote:

Sahi hai.

Mereko dega loan? Mein 25 din pe paisa double kar dunga. (Just Like laxmi chit fund from movie phir hera pheri)

Have you seen sebi advt regarding paisa double offer on tv? 😂

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Bk100 wrote:

I dont need any loan as of now.

Actually i myself financing many of my friends "@ just 12% per annum

You have already availed the loan when the limit appeared in your cibil report, now it is just a matter of availing it inside an app you can choose to use.

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guest_999 wrote:

You have already availed the loan when the limit appeared in your cibil report, now it is just a matter of availing it inside an app you can choose to use.

I will ask idfc tomorrow exactly which app this loan is linked? That will give me exact idea how and when this loan amount sanctioned.

I am seeing two options in mobikwik – one is zip later which i already disabled and other is shopping loan which i never clicked.

Or fk pay later which i dont remember when i clicked.

Not sure when i clicked these links. 😌

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Bk100 wrote:

I will ask idfc tomorrow exactly which app this loan is linked? That will give me exact idea how and when this loan amount sanctioned.

I am seeing two options in mobikwik – one is zip later which i already disabled and other is shopping loan which i never clicked.

Or fk pay later which i dont remember when i clicked.

Not sure when i clicked these links. 😌

Go ahead then, I think it may be that you accidently clicked flipkart pay later or maybe you received one of those “debit card emi limit” offer notification from one of your banking app which you might have accidently clicked.

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guest_999 wrote:

Go ahead then, I think it may be that you accidently clicked flipkart pay later or maybe you received one of those “debit card emi limit” offer notification from one of your banking app which you might have accidently clicked.

I just want to know – is this limit linked to fk or mobikwik.

Idfc is partner for both.

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Bk100 wrote:

Have you seen sebi advt regarding paisa double offer on tv? 😂

You did not get it.

My joke was that you wont get the loan back.

I suppose you have the loan to trusted persons.

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InvestPotato wrote:

You did not get it.

My joke was that you wont get the loan back.

I suppose you have the loan to trusted persons.

Mostly friends whom I trust,

Missing