Download CIBIL Report Sample – Understand Details Used

In this post, we will all the fields and the possible values appearing in your CIBIL Credit Information Report. We will try to explain every section of CIBIL report, by giving a screenshot of sample CIBIL report. You can download a sample CIBIL Report by clicking on the link given at the end of the report.

CIBIL Credit Information Report

Your CIBIL Credit Information Report (CIR) is a record of your credit payment history compiled from information received from loan providers like banks and financial institutions. The purpose of this report is to help loan providers make informed lending the fees of based upon your credit history, quickly and objectively. A healthy credit report can get your loan approved faster and often at better terms.

Your CIBIL report is divided into five main sections. Apart from the five sections, there is a header which contains the following information.

  1. Consumer Name: The customer name whose report is under consideration.
  2. Date and Time: When the CIBIL report was generated.
  3. CN (Control Number): This acts as an identifier of your credit report to CIBIL. This is your report number and is essential if you feel you need to raise a dispute request.

cibil-status-sample-report-1

Section 1 – CIBIL TransUnion Score

This section reflects your credit score, which is widely used by loan providers to evaluate loan applications. An individual’s credit score ranges between 300 – 900, and is calculated based upon the information in the “accounts” and “ inquiry” section of the credit report.

CIBIL-report-sample-2The close the score is to 900, the more confidence the loan provider will have in your inability to repay the loan and hence, the better the chances of your application getting approved.

Section 2 – Personal Information

The next section of the bill report is personal information section. This section of the CIBIL credit report as your name, date of birth and gender as reported to CIBIL by the member.

sample-CIBIL-Score-Report-3Identification lists your identification details as reported by the members. Your Income TAX ID (PAN), passport, driving license and voter ID, that have been reported by the lender will appear in this section.

Section 3 - Contact Information

Your addresses, telephone, mobile numbers and e-mail addresses as reported by lenders appear here.

CIBIL-list-sample-4

The address category explains whether the address is a residential address, official address, permanent address or temporary address. Up to 4 and dresses and e-mail addresses are provided here.

Section 4 – Employment Information

This section contains information on your occupation and income as reported by the lender for a particular credit account.

CIBIL-emplyment-information-5

The most recently reported information will be displayed here.

Section 5 - Account Information

The most important section of your CIR, this section contains the details of your loans and credit cards. It contains the names of the lender(s), the type of credit facilities (home loan, auto loan, credit card et cetera), the account numbers whether single or jointly held, when the account was opened, date of the last payment, loan amount, current balance, amount overdue if any and most importantly, a month on month record of up to 36 months of your payments.

account-information-section-CIBIL-report-6

Following are different sub-section contained in this section.

Account Details: Here you will find the details of all the Loan / Overdraft account opened in your name by different lenders.

  1. Member Name: The name and details of the lender, who has extended loan or overdraft facility to you.
  2. Account Number: The account number of the loan / overdraft account.
  3. Account Type: Type of the Account
  4. Ownership: Ownership tells the lender who is responsible for payments on that loan or credit card. There are four types of indicators that can appear in your credit report.
    • Single: You are solely responsible for making payments on that account.
    • Joint: You and someone else bear joint responsibility for payments on these accounts. This will also reflect on the other person’s credit report.
    • Authorized User: This is used for add-on credit card debt you may have. While this reflects on your credit report, lenders know that you are not responsible for paying dues on that particular account.
    • Guarantor: A guarantor pledges to repay loan on behalf of a third party who has taken a loan. Hence, he provides a guarantee to the lender that he will honour the obligation, in case the principal applicant is unable to do so.

Dates: This section give the time lines about your loan account. There are four main parameters in this section.

  1. Date Opened / Disbursed: The date on which you loan, credit card or overdraft account was opened.
  2. Date Closed: The date of closure.
  3. Date of Last Payment: The date on which the last payment was made.
  4. Date Reported and Certified: The date on which CIBIL was reported about this account.

Account Status: This sub-section give more details about the different important characteristics of your loan account.

  1. Credit Limit: It reflects the total amount of credit you have access to with regard to the credit card or overdraft facility.
  2. High Credit: It reflects the highest amount ever billed (including interest and fees) for that particular credit card or overdraft.
  3. Current Balance: It is the amount you still owe on a particular credit facility. Please understand that lenders typically take 30 to 45 days after your payment is received to update this information with CIBIL. Consider this fact before raising any disputes.
  4. Cash Limit: It is the amount of cash you are permitted to withdraw from your credit card. This cash limit specifically applies to the credit cards only.
  5. Amount Overdue: this indicates the total amount that has not been paid to the lender in a timely fashion (it includes principal and interest amount).
  6. Rate of Interest: The rate of interest applicable on your loan facility.
  7. Repayment Tenure: It is the term of your loan. This field is to be read with the payment frequency field in order to accurately understand the term of the loan. For example, a value of 120 in this field at a monthly payment frequency would mean the term of the loan is 10 years.
  8. EMI Amount: Equated Monthly Installment – the monthly payment required to be paid by you for servicing the loan.
  9. Payment Frequency: The frequency by which you are required to make the payments for servicing the loan.
  10. Actual Payment Amount: It is the amount you have paid to your lender if it is different from the EMI amount. It can be more or less than the EMI amount.
  11. Sanctioned Amount: This is the amount disbursed to you. It is applicable for the accounts other than credit cards or overdraft.

Collateral: It is the security which you provide to the lender in the form of property, stock, gold, fixed deposits. By liquidating this collateral security, the lender might recover the amount due towards you in case you are unable to repay your loan.

  1. Value of Collateral: The notional value of the security pledged by you.
  2. Type of Collateral: The type of security provided by you for securing the loan.

Status: This section provides information about the status of your loan account. Following entries may appear in this section.

  • Suit Filed / Wilful Default: In case the lender has filed a suit against you, there is a specific reporting prescribed by RB. This is as follows.
  1. No Suit (or the field will be blank)
  2. Suit Filed
  3. Wilful Default
  4. Suit Filed (Wilful Default)
  • Written-off and Settled Status: If this section is populated, the lender has either restructured the loan by offering you different terms, written of this amount or settled at some amount less than what the lender believes it was owed. The possible values are as follows:
  1. Restructured loan
  2. Restructured loan (Government Mandated)
  3. Written off (WO)
  4. Settled
  5. Post (WO) Settled
  • Written-off Amount (Total): When a loan is written off there is an interest and principal component. This field reflects the total interest and principal amount written off.
  • Written-Off Amount (Principal): This is the principal part of the amount written-off.
  • Settlement Amount: When an amount owed on a loan account is disputed, the individual and lender settle at some amount in between. It’s what the lender believes is owed and what the individual believes he should pay. This is the amount the individual has agreed to pay. The rest of the amount is written off by the lender.

The next part of the Account Information section is your payment history. It tells the prospective lender about the regularity and promptness with which you discharge your payment obligations.

payment-history-section-CIBIL-sample-report-7

Following is a summary of important information contained in this section.

  1. Asset Classification:The Asset classification norms defined by RBI are as follows:
    • STD (Standard): This implies that payments are being made within 90 days. Any account overdue by more than 90 days is classified as as non-performing asset (NPA) by banks.
    • SMA (Special Mention Account): Special account created for reporting standard account, moving towards substandard. This indicates that your credit history is less trustworthy as compared to STD.
    • SUB (Sub-standard): An account which has remained an NPA for up to 12 months.
    • DBT (Doubtful): an account that has remained substandard for a period of 12 months. This is indicative of very low credit worthiness.
    • LSS (Loss): an account where loss has been identified and remains un-collectible. This indicates almost zero credit worthiness.
  2. DPD (Days Past Due): DPD are days past due appears in the account information section of your CIR. The DPD indicates how many days a payment on that account is late that month. Anything other than 000 or STD is considered a negative by a lender. Up to 36 months of this payment history are provided in the reverse chronological order. In case you are seeing XXX reported for your DPD, this indicates that the information for these months has not been provided to CIBIL by the bank.

Section 6 – Enquiry Information

This is the last section of your CIBIL report and provides details regarding your loan application such as the name of the lender, date of the application, the type of loan and its size.

enquiry-information-section-CIBIL-report-8

Enquiries are added to your report when you apply for a loan or credit card and the lender decides to access your CIR. Details such as the name of the loan provider, size and type of loan are captured in this section. Please note that the date of the enquiry may differ from your actual application date because the lender may access your credit report one day or more after you have applied for the loan.

[Download Sample CIBIL Credit Report – Page1] [Download Sample CIBIL Credit Report – Page2]
2 Comments
  1. CIBIL Reported Someone Else’s Credit Card In My Credit Report!!

    What an irresponsible organization it is & how lethargic their services are, seriously and how lethargic are their services. They have reported someone else’s credit card default in my report, due to which I had to go through a lot of pain, loan application denials and very much of a loss by taking loans elsewhere with higher interest rates.

    The details are provided here, with email exchanges between CIBIL and I.

    CIBIL & It’s Lethargic Services…

    Please go through this and share it with all public, however & wherever possible.

    • Hi,
      Sorry to note your bad experience with CIBIL. But still, it remains a fact that CIBIL is one of the very few options when it comes to credit rating in India.

Leave a Reply

Contact Us

Contact Page: Click here
Email: info@loancalculators.in
DMCA.com

Disclaimer

Lots of approximations and assumptions have been made while developing the calculators.

Please make your own calculations before making any financial decision.