How to Read and Interpret Your CIBIL™ report?

How to Read and Interpret Your CIBIL™ report?

A CIBIL™ report is a document detailing the credit history of the borrower. CIBIL™ or TransUnion CIBIL™ Ltd is one of the 4 credit information companies (CICS) in India. The other 3 CICS in India are Experian India, Equifax Credit Information Services Private Limited (Equifax), and CRIF High Mark Credit Information Services. They are independent, third-party institutions that collect financial data about individuals and businesses and share it with their members in a comprehensive manner. Individuals can obtain information about their credit score or credit report by subscribing to any one of the credit bureaus.

The report from CIBIL™ is split into six sections – CIBIL™ score, personal information, contact information, employment information, account information, and inquiry information. Let us now see how to read and interpret your CIBIL™ report.


The Six Main Sections Of Your CIBIL™ Report


  • CIBIL™ Score
  • The CIBIL™ Score is the first section of your CIBIL™ report.


  • The CIBIL™ Score is a three-digit number that summarizes your credit history. It is in the range of 300 to 900 and is derived by using the information in the ‘Accounts’ and ‘Enquiries’ section.


  • The CIBIL Score shows your credit behavior by showing how you have used credit in the past and how you have settled your loans.


  • Lending institutions consider your CIBIL™ Score before giving loans.


  • CIBIL™ considers a score of 765 as good. It puts a borrower with such a score in the green area.


  • When the score is good, banks and credit card companies will process your loan or credit card application without any difficulty. However, approval of your application does not guarantee for sanction of funds. Lending institutions will consider other factors, such as sources of income, your ability to repay, and so on.


  • If a CIBIL™ score is not-available (NA) or if there is a no history (NH), it can indicate any one of the following:
    • You are new to the credit system.
    • You have had nil credit activity in the recent years.
    • You have all supplementary credit cards and nil credit exposure.


  • Personal information

The personal specifics section contains the details about your personal information.

  • Your name
  • Date of Birth
  • Gender
  • PAN, Passport, Aadhar number, or voter ID

The data collected by CIBIL™ is accurate and helps financial institutions verify the information about you. The data collected from previous loan lenders is marked with an ‘e’ to denote accuracy.

  • Contact Information

The contact information section contains details about


  • The address


  • Telephone number


  • Email address as given by the lenders


  • Address
    • Office address


  • Residential address


  • Permanent address


  • Temporary address


  • Telephone numbers


  • Employment Information: It contains the details about all your previous and current employment. It encompasses the details about all the jobs and companies that a person has worked in. It shows how frequently you have changed jobs. This section contains all your monthly and annual income details.


Employment information helps the lender assess your repaying capacity because he can evaluate your income pattern and sources through this information. Lenders may not give loans easily to people who change their jobs continuously. This is because of the continuous changes in income.


5)    Account Information:

The CIBIL™ score depends mostly on the information in this section. This section comprises of the following details:


  • The information about your previous and current loans and credit cards


  • The repayment pattern of the client: the details about default in payments and how frequently the person makes the payment


  • A table containing the columns:


  • Name of the lender


  • Type of credit facilities available (personal loan, home loan, credit card etc.)


  • Account number


  • Type of ownership


  • The date of opening the account


  • The date of last payment


  • Loan amount


  • Outstanding balance


  • Month-on-month record of 36 months of payment


  • Days Past Due (DPD): this is mentioned by how many days the payment of the amount on that account is late.


  • Apart from “000” or “STD”, everything else is considered negative by the lender.


  • The various values for asset classification in the DPD section are:


  • Standard (STD): Payments that are made within 90 days
  • Special Mention Account (SMA): A special account created to report the standard accounts moving towards substandard.
  • Sub-Standard (SUB): For payments made after 90 days
  • Doubtful (DBT): The account has remained substandard for 12 months.
  • Loss (LSS): An account where loss has been identified and remains unsuitable for being collected.


  • A value of “XXX” in your DPD for a certain account implies that CIBIL™ has not been acquainted by the banks with the information pertaining to these accounts for those particular months.


  • A number in the DPD column indicates that the payment is late by that number of days. For example: If the DPD column contains “040”, the payment is late by 40 days. “000” means the payment is on time.



  • Enquiry Information

An enquiry is when a lending institution requests CIBIL™ for the details about the credit applications you have made. Every time you apply for credit, the lender enquires about your creditworthiness and credit history. This enquiry is recorded. If there are excessive credit enquiries about your account, lenders may be cautious while considering your credit application.


The six sections of the CIBIL™ report assist financial institutions in obtaining complete information about you. This helps them evaluate your repaying capacity and sources of income while lending loans. This guide on how to read and interpret your CIBIL™ report will be extremely helpful.


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