Read Cibil Report

It is a must to be able to access loans when you need those most, to maintain a strong credit history, and ensure that the same is reflected in your CIBIL report. You can download your CIBIL report from the CIBIL portal by applying for it. Read on to find out how to better understand the different parts offered in the report:


Your CIBIL Score is the very first thing you might see in the CIBIL Credit Information Report. It is an overall valuation of your financial background which is used to measure your creditworthiness by lenders. A single number, between 300 and 900, is the score. The higher the score, the more beneficial the new credit extension application is as this suggests that you have repaid your loans on time and have ample disposable income to repay another loan if appropriate. This is determined on the basis of the details you can find in the report’s Account Information and Enquiry Information sections. The score may be shown as NA or NH in a few cases, indicating one of the following:

  • You also do not have a credit background-this is particularly applicable to those who, like young students, do not have any income.
  • You have not made any loans in the last few years.
  • You don’t have any credit cards or other exposure.

The second section of the report presents your personal details as registered with CIBIL, such as your name, date of birth, gender, etc. All the identifying details that CIBIL might have about you are also included in the section.

  • PAN
  • Passport number
  • Aadhaar
  • Driver license number
  • Voter ID number
  • Any other identifying data are given to the bureau by the lenders.


In the next part of the report, your names, telephone number, and email address are present. As shared by the lenders, this information is captured. The report will collect your office address, residential address-both the permanent address, and the current address as part of the addresses. The report not only includes current knowledge but also historical information. Historical data goes back to no more than four iterations.


This section contains your occupation and income details based on the information you share when you open a credit facility or loan account. Again, this data is provided as part of the repayment data from what the lenders send to the office.


As your CIBIL score is significantly affected by this, this is arguably the most significant part of the study. This section comprises descriptions of all your loans and credit cards and your repayment history. All the lenders’ shared knowledge is summarised in a table that includes:

  • The lender’s name,
  • Type of credit facility,
  • Account Number,
  • Type of Ownership,
  • The date when the last payment was made,
  • The date of the last payment,
  • Loan Amount,
  • Outstanding Balance,
  • A month-on-month record of the last 36 months, and
  • The Days Past Due (DPD), i.e. the number of days for which the payment has been due

The account’s status may be one of the following:

  1. STD: Standard, implying payments were made within 90 days.
  2. SUB: Sub-standard, implying payments were made after 90 days.
  3. SMA: Special Mention Account, meaning the account is like to become a sub-standard account.
  4. DBT: Doubtful, meaning the account has been sub-standard for at least 12 months.
  5. LSS: Loss, meaning the account has been determined as a loss and has not been recovered.
  6. STD is considered a favorable status. Every other status is negative.

If any details are contested inside the Account Information section, then a red box with a warning message is displayed above the account information along with the date of the dispute.


The final part of the CIBIL report is the inquiry section. It contains information regarding any recent lenders’ inquiries. The lender will submit an application to CIBIL about your credit history any time you apply for a loan or a credit facility. The same is recorded in your CIBIL report as well. Each entry includes the name of the lender, the date of the request, the type of loan, and the requested amount of the loan.