Service Provided: CIBIL Rectification + CMR Score Correction
Challenge: Poor Credit Score & Suit-Filed Account Blocking Loan Eligibility
Industry: Dairy / FMCG
Location: Gujarat, India
🚧 The Challenge
Umiya Milk Products Pvt. Ltd., a fast-growing dairy brand, faced a critical roadblock—their credit profile had multiple red flags:
- Over 15 disputed entries on their CIBIL report
- A suit-filed account affecting their CMR (Company Credit Rating)
- As a result, they were declared high-risk by lenders, cutting them off from formal credit
With vendor relationships and working capital cycles under stress, the business needed immediate resolution to regain lender trust.
💡 The Ketzal Solution
Ketzal Financial Services launched a full-scale credit rehabilitation process. Our steps included:
- Liaising directly with multiple banks to resolve disputes
- Coordinating with bureaus to update outdated or incorrect credit entries
- Handling legal follow-ups to settle and remove the suit-filed tag
- Ensuring a clean and updated credit report reflecting true performance
✅ The Outcome
In less than 90 days, Umiya Milk’s CIBIL report was corrected, and its CMR rating significantly improved. This allowed the company to:
- Regain loan eligibility from multiple institutions
- Improve vendor and supplier credibility
- Access better terms in future funding proposals
This case demonstrates how credit repair—when done right—can bring a business back into the financial mainstream.