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Anjali Mehta
Credit & CIBIL Editor · 6+ yrs
Former bank credit analyst turned consumer-finance writer. Specializes in credit scoring, EMI mechanics, and CIBIL disputes.
LinkedInAbout Anjali
Anjali spent six years inside Indian banking — three on a retail credit team underwriting personal loans, and three writing borrower-facing explainers for a major fintech. She edits the CIBIL, settlement, and EMI-maths coverage on SahiSujhav.
She built the Settlement-vs-Closure calculator on this site and the 12-month CIBIL recovery roadmap. Her view: bureaus don't publish formulas, but the levers borrowers can actually pull (utilization, on-time, mix, age, inquiries) are well understood and worth ranking honestly.
Anjali holds an MBA in Finance and is a CFA Level II candidate.
Areas of expertise
- CIBIL score mechanics
- Credit Information Companies Act 2005
- EMI and APR mathematics
- Settlement vs full-payment trade-offs
- Personal credit underwriting
- Bureau dispute process
Education
Symbiosis Institute of Business Management, Pune
Recent articles by Anjali
- \U0001F578️Debt trap: 7 warning signs and the exit pathRead
- ⚡NACH mandate froze your salary account? Emergency fixRead
- \U0001F4B3Credit card Minimum Due trap: ₹10k → ₹22kRead
- \U0001F4B3Credit card settlement: the script that actually worksRead
- \U0001F500Settlement vs restructuring vs moratorium: which is right?Read
- ⏳Statute-barred loans: 3-year-old debts may be unenforceableRead
- \U0001F6A8Debt settlement company took ₹1.5L and vanished — what next?Read
- ⚖️OTS: how to negotiate a one-time settlement yourselfRead
- \U0001F4E5Free annual CIBIL report: how to get it and read itRead
- \U0001F4B8True APR on loan apps: ₹5,000 becomes ₹7,800Read
- ❌Loan app reported wrong EMI to CIBIL: dispute it nowRead
- ⚖️Settlement le lu ya full pay karu? CIBIL pe 7 saal ka asarRead
- \U0001FA99CIBIL below 600? These are the only loans availableRead
- \U0001F4C8CIBIL 580 se 750 — 12 mahine ka realistic planRead
- ✂️Written-off loan on CIBIL: can it be removed?Read
- ❗Loan inquiries killing your score? The hard truthRead
- \U0001F4C5Days Past Due (DPD) in CIBIL: what each number meansRead
- \U0001F6E0️CIBIL report error? You are entitled to free correctionRead
- \U0001F6A9NPA tag on your loan: what it means and how to remove itRead
- \U0001F4C8CIBIL 500 to 750 in 12 months: a realistic roadmapRead
- \U0001F3F7️Loan settled — why does CIBIL still say 'Settled' 3 years later?Read
- ✅Can a loan app charge you after closure? Your rightsRead
- ⏸️Moratorium: should you take it? The real cost banks don''t explainRead
- \U0001F4ACRate Reset Karo: how to negotiate a lower rate on your loanRead
- \U0001F6D1You paid off the loan. Why is the EMI still being deducted?Read
- \U0001F4C4Key Facts Statement (KFS): the one-page document RBI mandatesRead
- \U0001F6E1️Loan insurance you didn''t ask for: how to refuse and refundRead
- \U0001F4CAFlat rate vs reducing balance vs EMI: which is your loan?Read
- \U0001F9FEProcessing fee, GST, insurance: 7 charges loan apps buryRead
- ⚖️KreditBee, Navi, CASHe, MoneyTap: true APR comparedRead
- \U0001F4C8Loan app says 0.5% per day? Real APR is 300%+Read
Editorial independence: SahiSujhav writers do not accept payment from lenders, brokers, or app developers. All recommendations are based on public data and reader-reported experience. See the transparency page for our funding model.