Key Elements To Look Out in Cibil Report


Your CIBIL report plays an integral role in your finances, influencing everything from your mortgage rates to your ability to secure a job or apartment. Given the weight your three-digit number carries, it’s important to know which factors are used to calculate your score—and which actions you can take to keep your credit rating healthy. When you approach a bank to fund your home purchase, you are often puzzled because a bank executive starts probing your credit score before proceeding. You may not have given it much thought, but your punctuality in paying your bills – credit card bills, equated monthly instalments (EMIs) for your automobile loan, and many other such liabilities – has a bearing on whether a bank approves or rejects your loan.

Credit information bureaus gives information about the credit profile of a person.

The following are the key elements of CIBIL report:

  1. CIBIL score
    The credit score that can range between 300 and 900. The report will sent to the credit bureaus by all the lending agencies.
  2. Personal information
    Personal information such as name, date of birth, gender, unique numbers of identification documents like PAN, Aadhaar, etc will be in this section.
  3. Contact information
    This section contains the residential address, telephone and mobile numbers, and email id.
  4. Employment information
    Employment information and income as reported by banks.
  5. Account information
    The lender’s names, loan details and mentions if there is any amount overdue will be in this section.
  6. Enquiry information
    This section contains information about enquiries by lenders in the past, date of their enquiry and purpose.

We all very well know how important a role, a credit report plays during our loan application process. Reading through the report is quite a daunting task as the terms mentioned there are not something we come across every day. So, here’s a detailed look at the various key terms you will come across in your CIBIL report.

Asset Classification

The status of your loan repayment is usually categorized to gain an easy understanding of your credit history from the bank’s point of view.

Asset Type

What it means

Standard (STD)

Payments are made within 90 days

Non-Performing Asset (NPA)

Payments are overdue beyond 90 days

Sub Standard Account (SUB)

An account which has remained an NPA for more than a year

Special Mention Account (SMA)

A special account is created for reporting a standard account deteriorating to a sub-standard

Doubtful (DBT)

An account which has remained SUB for more than 1 year

Loss (LSS)

An account which has proven to be uncollectible and is declared as a loss

Actual Payment Amount

This is the actual value of the amount you have paid to your lender. This may be less or more than the stipulated value of your equated monthly installment.

Amount Overdue

This is the value of the amount that needs to paid back to the lender within the stipulated tenure. (Includes principal and interest)

Cash Limit

This is the maximum amount you can withdraw against your credit card.

Control Number

This is a unique number given in your credit report.


A security given to your lender by you, should you fail to repay your loan your collateral will be taken over by the lender. Collateral may be in the form of gold, stocks or shares.

Credit Limit

It refers to the total credit you have access to with respect to your credit card and overdraft.

Current Balance

It is the value of the amount you are yet to repay to the lending institution.

Days Past Due

It is the number of days past the due date for repaying. It indicates the delay payments paid each month.

Emi amount

The value of your equated monthly installment you pay on your loan.


This section contains the details of the loan you have applied for. These are provided by the lending institution to CIBIL .


This field indicates the person/persons responsible for repaying your dues. There are four types, namely:

- Single – you are solely in charge of paying all your dues

- Joint – you and someone else together have taken the responsibility of repaying your dues

- Authorized user – when you hold an add-on credit cards, where it is understood that you are not responsible for paying your bills.

- Guarantor – when there is another person who has taken up the sole responsibility of repaying the loan, should the principal applicant fail to do so.

High credit

This indicates the highest value of your credit card bills.

Repayment Tenure

This is the duration of your loan repayment period.

Sanctioned amount

It is the total loan amount disbursed to you.

Settlement Amount

When the amount to be paid to the lender is disputed by the borrower, they come to a settled value which is not the same as the actual amount due. The difference between the settlement and the actual amount is written off by the lender.

Suit filed/ willful default

If there was a suit filed against you by any of your previous lenders on account of refusing to fulfill your repayment (wilful default).

Written Off amount

This indicates the total value of amount not paid by the borrower, after paying the settlement amount.

Written off and settled status

Displays details of previous settlement as well as written off values by the lenders.

Other information: 

Details like your past and current residential and office addresses, opening and closing dates of loans, the ownership status (single/ joint/guarantor), the liability type (loan/credit card) also form an important part of your credit report.

 Points to note

  1. If the customer finds any discrepancy in any of the fields of the report, a dispute can be raised online using the online dispute form or by writing to CIBIL . 
    2. A credit score of more than 750 is typically considered to be a good score and is most likely to be eligible for sanction of a loan.

The above information will certainly help you understand your CIBIL report and will allow you to take necessary measures to maintain/improve your credit score. Cibil sources all your credit information from leading banks and other financial institutions. These data keep getting updated from time to time.



At Millennium Credit Solutions, we believe that life is easier with excellent credit.
We have a dedicated staff devoted to assisting you with your future financial needs.
We provide advice and information on how to best manage your current credit to maximize the impact to your qualifying ability.



Call now for free expert advice: +91 95350 61366

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