What Chanakya Knew About Borrowed Money
Chanakya wrote in the Arthashastra that a person who cannot account for what leaves their treasury cannot protect what enters it. The principle maps almost exactly onto how TransUnion CIBIL scores a borrower today. Your score, a number between 300 and 900, is not a judgment on your income or your ambition. It is a ledger of five specific financial behaviours, each weighted differently, each pulling the number up or down on a rolling basis.
