require 'csv'

str = <<_
name,age,eligible?
arup,27
deep,14
Debu,26,y
Ram,30
Sagar,14
_

csv = CSV.new(str,:headers => true,:return_headers => true)
csv.each do |row|
    row['eligible?'] = "y" if row['eligible?'].nil?
end

csv.rewind
csv.each { |row| p row.fields }

**output**

["name", "age", "eligible?"]
["arup", "27", nil]
["deep", "14", nil]
["Debu", "26", "y"]
["Ram", "30", nil]
["Sagar", "14", nil]

===============
Again **nil** .... I am getting..very frustrating :(

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