🇮🇳India
खराब क्रेडिट निर्णय से NPA
1 verified sources
Definition
CCR includes CIBIL Rank 1-10 and payment history; poor scores lead to high-risk lending in furniture wholesale.
Key Findings
- Financial Impact: 3% of credit extended as bad debt (₹30L+ loss on ₹10Cr exposure)
- Frequency: Annual provisioning
- Root Cause: Manual review without credit bureau data
Why This Matters
The Pitch: Wholesale firms incur 3-5% bad debt write-offs from poor credit decisions. Automated CCR scoring prevents ₹20-50L annual losses.
Affected Stakeholders
Finance Head, Credit Committee
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
क्रेडिट अप्रूवल में देरी से डील लॉस
2-5% revenue churn from delayed approvals (₹50L+ lost sales/month for ₹10Cr firm)
उच्च Accounts Receivable Days
₹1.5 Cr+ annual opportunity cost at 12% interest on 45-day AR drag (industry avg. DSO 60-90 days)
डिलीवरी में इन्वेंटरी सिक्रिंज
1-3% inventory shrinkage (₹5-15 लाख annually)
कमीशन गणना त्रुटि से राजस्व हानि
₹12-15% of sales value per transaction; e.g., ₹60-75 on ₹500 furniture item[6]
विक्रय ट्रैकिंग में देरी से कैश फ्लो हानि
₹10,000-12,500 per ₹1,00,000 weekly sales (10-12.5% deductions + delays)[3]
5-20% of selling price in unrecovered advertising/promotional costs[2]
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