MAM
Sample parameters more crucial than size: TAM
NEW DELHI: Brushing aside allegations of corruption in its television audience measurement system, TAM Media Research CEO L V Krishnan on Friday said the parameters of judging viewership and not headcount mattered as far as television ratings were concerned.
Defending the method of functioning adopted by the TAM, Krishnan said that an adequate number of TV households were being covered all over the country to provide a good sample to the industry.
As an example, he said one did not need to count every person who is left-handed to know how many people wore their watches on the left hand.
Speaking at a round-table on “Current Scenario of Television Audience Measurement (TAM) in India”, he, however, admitted that there was less coverage in rural areas.
He also said that TAM was in the process of increasing its sample size in both the rural and urban areas of the country.
He said that TAM today had a reach to 36,000 individuals, and said its technology was keeping pace with the latest technologies for giving accurate rating samples.
The PHD Chamber had organized the round-table bringing the Central Government and other stakeholders to come together on a common platform, evaluate the current rating system and prevent diluting the importance and essence of TAM.
Others who took part in the roundtable included Bharat Bambawale, Vice Chairman – North, The Indian Society of Advertisers and Director, Global Brand, Bharti Airtel Ltd.; Ravi Dixit, Director – Research, Disney UTV; Centre for Media Studies Director P N Vasanti; and Nagesh Alai, immediate past president, Advertising Agencies Association of India.
When you plan to apply for a personal loan, one of the first things that comes into focus is your credit score. Many people hear about it but may not fully understand how much influence it actually has on the application process. In simple terms, a credit score reflects how responsibly you have managed credit in the past.
It acts as a snapshot of your financial behaviour over time. This score plays an essential role in deciding personal loan eligibility and how smoothly the application moves forward. Being aware of how your credit score impacts the process can help you prepare well before applying for a personal loan.
Below are a few ways your credit score can influence personal loan approval.
1. It plays a key role in personal loan eligibility
Your credit score is often one of the primary indicators used to evaluate personal loan eligibility. A strong score of usually 750 and above reflects a history of paying dues on time and managing credit responsibly. This financial track record helps show reliability when applying for a personal loan.
On the other hand, a lower credit score might indicate missed payments or higher credit usage in the past. Because of this, the credit score becomes an important starting point in assessing whether an applicant meets the basic eligibility conditions.
2. It reflects your repayment behaviour
Your credit score is built from your previous financial behaviour, particularly how consistently you repay borrowed money. Timely payments on credit cards, loans, and other credit facilities contribute positively to the score.
When your repayment record shows consistency, it suggests that you manage financial commitments in a responsible manner. This positive history can support your personal loan eligibility and make the loan application procedure smoother.
3. It may influence loan terms
A good credit score does not just help with loan eligibility; it can also influence the overall terms linked with a personal loan. Applicants with stronger credit profiles might find that the available options are more flexible.
Since the credit score reflects financial reliability, it can shape how the loan structure is offered, including aspects such as repayment tenure or borrowing limits. Maintaining a healthy credit score, therefore, plays a vital role in shaping the borrowing experience.
4. It affects the speed of the approval process
Applications supported by a strong credit score often move through the process more smoothly. When your credit history clearly shows responsible credit usage, fewer clarifications may be required during the evaluation stage.
This can help speed up the approval timeline for a personal loan. In contrast, if the credit history contains irregularities or gaps, the review process may take longer, as additional checks may be required.
5. It encourages responsible financial habits
One of the most valuable aspects of a credit score is that it encourages responsible financial behaviour. Being aware that repayment history directly influences personal loan eligibility often encourages individuals to manage their credit more responsibly.
Simple habits such as paying dues on time, avoiding excessive borrowing, and maintaining balanced credit usage can gradually improve the score. Over time, these habits build a strong financial profile that supports future borrowing needs.
Ending note
A credit score may seem like just a number, but it carries significant weight when applying for a personal loan. It reflects your financial discipline, repayment history, and overall credit management.
By maintaining good credit habits, you not only strengthen your personal loan eligibility but also make the borrowing process smoother and more predictable. In the long run, a healthy credit score becomes more than a requirement; it becomes a reflection of consistent and thoughtful financial management.
