explanation to commercial cibil report
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8/12/2019 Explanation to Commercial CIBIL Report
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[A] COMMERCIAL CIR HEADER:
Sr.
No.Field Heading in Credit Information Report Information appearing in te field
1 REPORT ORDER NUMBER Order Number assigned to the Commercial
CIR by the CIBI system!
" REPORT ORDER D#TE Date o$ generation o$ Commercial CIR!
% PRODUCT N#ME Name o$ Product ordered & currently
Commercial CIR!
' BORRO(ER)* N#ME Name o$ the #++licant!
, MEMBER RE-ERENCE NUMBER Re$erence number assigned to the in.uiry by
the Member!
/ O#N #MOUNT #PPIED 0Rs #mount o$ credit $or 2hich the in.uiry 2as
made!
3 U*ER ID Member User ID ma4ing the in.uiry!
[!] "ROFILE:
Sr.
No.Field Heading in Credit Information Report Information appearing in te field
1 N#ME
This section o$ the CIR relates to the
Borro2er Pro$ile and +ro5ides details o$ the
Borro2er on 2hom the CIR has beenaccessed!
D6U6N6*7 Number is a uni.ue identi$ication
Number +ro5ided by CIBI to e5ery
Borro2er8 at a +articular location!
Class o$ #cti5ity re$ers to the Classi$ication
o$ #cti5ity 9 Occu+ation o$ the Borro2er8 as
+er Reser5e Ban4 o$ India8 :andboo4 o$
*tatistical Returns 1 and "
" *:ORT N#ME
% E;# CON*TITUTION 0Re$er to
Catalogue 1 $or the 5alid 5alues' #DDRE**
, CIT< 9 TO(N
/ DI*TRICT
3 *T#TE 9 UNION TERRITOR RE#TED T
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[F] CREDI# FACILI#IES - S*MMAR:
This section o$ the CIR gi5es a summary o$ the 5arious credit $acilities a5ailed by the Borro2er8
classi$ied by credit ty+e and currency! Details o$ each Credit -acility are contained in the net section!
Sr.No.
Field Heading in Credit Information Report Information appearing in te field
1 NO! O- MEMBER* Number o$ Members 2ho ha5e re+orted
Credit -acilities $or the Borro2er8 $or the
+articular credit ty+e!
" NO! O- CREDIT -#CIITE* Number o$ Credit -acilities re+orted $or the
Borro2er by 5arious Members8 $or the
+articular credit ty+e!
% CREDIT T
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[/] CREDI# FACILI#IES - DE#AILS:
This section o$ the CIR contains details o$ the credit $acilities a5ailed by the borro2er and 2ill be
re+eated $or each credit $acility as re+orted by Members and a5ailable in CIBI database!
Sr.No.
Field Heading in Credit Information Report Information appearing in te field
/eneral Information
1 *#NCTION D#TE Date on 2hich the Credit -acility 2as $irst
sanctioned by the Member!
" *#NCTIONED #MOUNT *anctioned 9 #++ro5ed amount o$ the Credit
0or credit limit8 as o$ the date in the Fast
Re+orted DateG $ield!
I$ this $ield contains FHG8 it indicates that the
#mount is a consolidated amount sanctioned$or more than one credit $acility!
% CREDIT T #*T REPORTED D#TE The most recent date the Member re+orted
in$ormation about the Credit -acility to
CIBI!
,illf'l Defa'lter Stat'(
1? *T#TU* This $ield 2ill contain either o$ the $ollo2ing
5alues
NOT (I-U DE-#UTER
(I-U DE-#UTER
11 D#TE C#**I-IED #* (I-U
DE-#UTER
Date on 2hich the Member classi$ied the
#ccount as (ill$ul De$aulter8 i$ re+orted!
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S'it Filed Stat'(
1" *UIT -IED *T#TU* This $ield 2ill contain either o$ the $ollo2ing
5alues
NOT *UIT -IED
*UIT -IED
TRI# IN PRO;RE**
DECREE I**UED
EAECUTION O- DECREE
1% *UIT RE-ERENCE NUMBER Re$erence Number o$ the suit8 i$ re+orted by
the Member!
1' *UIT #MOUNT The #mount $or 2hich suit has been $iled by
the Member!
1, D#TE O- *UIT Date 2hen suit 2as admitted by the
com+etent #uthority!
1/ N#ME O- CREDIT ;R#NTOR Name o$ the Member that has $iled the suit!
13 O--ICE Branch 9 O$$ice o$ the Member that has $iled
the suit!
/'arantor1 ;U#R#NTOR N#ME
These $ields +ro5ide details o$ the business
entity 9 indi5idual that has guaranteed the
abo5e Credit -acility!
;uarantor D6U6N6*7 Number is a uni.ue
identi$ication number +ro5ided by CIBI to
e5ery &'(ine(( entit)that has guaranteed the
Credit -acility! This $ield 2ill be blan4 in
case the ;uarantor is an indi5idual!
" ;U#R#NTOR D6U6N6*7 NUMBER
% ;U#R#NTOR T
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[H] DE#AILED CREDI# HIS#OR:
This section o$ the CIR contains the current balance and asset classi$ication $or each o$ the re+orted
credit $acilities o$ the borro2er8 month62ise $or the last "' months! The $irst month is the month
immediately +rior to the month in 2hich the member last re+orted the credit $acility i!e! month +rior to
Fast Re+orted DateG8 a++earing in the +re5ious section!
Sr.
No.Field Heading in Credit Information Report Information appearing in te field
/eneral Information
1 CREDIT T
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Se0tion( F1 / 2 H1 a( e3plained a&o4e1 5ill &e repeated for Credit Fa0ilitie( g'aranteed
&) te a&o4e !orro5er1 if an). #e(e are:
[I] S*MMAR OF CREDI#$S% /*ARAN#EED ! #HE !ORRO,ER
[6] DE#AILS OF CREDI#$S% /*ARAN#EED ! #HE !ORRO,ER
This section 2ill also contain the details o$ the Borro2er Entity that has a5ailed the said Credit-acility! The $ields are as $ollo2s
Sr.
No.Field Heading in Credit Information Report Information appearing in te field
1 BORRO(ER N#ME
This section o$ the CIR relates to the
Borro2er Entity that has a5ailed the Credit
-acility guaranteed by the #++licant!
Borro2er D6U6N6*7 Number is a uni.ueidenti$ication Number +ro5ided by CIBI to
e5ery Borro2er8 at a +articular location!
" BORRO(ER D6U6N6*7 NUMBER
% BORRO(ER T
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CA#ALO/*ES
8. LE/AL CONS#I#*#ION
Pri5ate imited
Public imited
Business Entities Created by *tatute
Pro+rietorshi+
Partnershi+
Trust
:indu Undi5ided -amily
Co6o+erati5e *ociety
#ssociation o$ Persons
;o5ernment
Not classi$ied
9. RELA#IONSHI"
*hareholder
:olding Com+any
*ubsidiary Com+any
Pro+rietor
Partner
Trustee
Promoter Director
Nominee DirectorInde+endent Director
Director 6 *ince Resigned
Other
. RELA#ED ; /*ARAN#OR ; !ORRO,ER #"E
Business Entity Registered in India
Resident Indian Indi5idual
Business Entity Registered Outside
India
-oreign 9 Non6Resident Indian
Indi5idual
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Code De(0ription Code De(0ription
C@E Ca+e @erde Escudo :T; :aitian ;ourde
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Code De(0ription Code De(0ription
NIO Nicaraguan Cordoba Oro U#; U4raine :ry5nia
AO- Niger C-# -ranc BCE#O U# U4raine arbo5anets
N;N Nigerian Naira ;BP United ingdom Pound
P( North orean (on U
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