Structure of a Commercial CIBIL Report

Structure of a Commercial CIBIL report

Commercial CIBIL report issued by Transunion CIBIL consists of following segment-

1.   Header segment – Header segment consists of –

•         Member ID
•         Previous member ID
•         Reporting cycle date

2.   Borrower segment – Borrower segment consists of-

•         Member branch code
•         Borrower’s name
•         Borrower’s short name
•         Company registration number
•         Date of incorporation
•         PAN
•         CIN
•         TIN
•         Service Tax
•         Borrower’s legal constitution
•         Business category
•         Business/ Industry Type
•         Class of Activity 1
•         SIC Code
•         Sales Figure
•         Financial Year
•         Number of Employees
•         Credit Rating
•         Assessment Agency / Authority
•         Credit Rating As On
•         Credit Rating Expiry Date
•         Filler

3.   Address segment – Address segment consists of-

•         Borrower Office Location Type
•         Borrower Office DUNS Number
•         Address Line 1
•         Address Line 2
•         City/Town
•         District
•         State/Union Territory
•         Pin code
•         Country
•         Mobile number
•         Telephone number

4.   Relationship Segment – Relationship segment consists of-

•         Relationship DUNS Number
•         Related Type
•         Relationship
•         Business Entity Name
•         Business Category
•         Business / Industry Type
•         Individual Name Prefix
•         Full name
•         Gender
•         Company Registration Number
•         Date of Incorporation
•         Date of Birth
•         PAN
•         Voter ID
•         Passport Number
•         Driving Licence ID
•         UID
•         Ration card no
•         CIN
•         DIN
•         TIN
•         Service Tax
•         Percentage of control
•         Address Line
•         City/Town
•         District
•         State/Union Territory
•         Pin code
•         Country
•         Mobile number
•         Telephone number

5.   Credit facility segment

•         Account Number
•         Previous Account Number
•         Facility / Loan Activation / Sanction Date
•         Sanctioned Amount/ Notional Amount of Contract
•         Currency Code
•         Credit Type
•         Tenure
•         Repayment Frequency
•         Drawing Power
•         Current Balance
•         Repayment Frequency
•         Drawing Power
•         Current Balance
•         Loan Expiry / Maturity Date
•         Loan Renewal Date
•         Asset Classification/Days Past Due (DPD)
•         Asset Classification Date
•         Amount Overdue / Limit Overdue
•         Overdue Bucket 01 ( 1 – 30 days)
•         Overdue Bucket 02 ( 31 – 60 days)
•         Overdue Bucket 03 ( 61 – 90 days)
•         Overdue Bucket 04 (91 – 180 days)
•         Overdue Bucket 05 (Above 180 days)
•         High Credit
•         Installment Amount
•         Last Repaid Amount
•         Account Status
•         Account Status Date
•         Written Off Amount
•         Settled Amount
•         Major reasons for Restructuring
•         Asset based Security coverage
•         Guarantee Coverage
•         Bank Remark Code
•         Wilful Default Status
•         Date Classified as Wilful Default
•         Suit Filed Status
•         Suit Reference Number
•         Suit Amount in Rupees
•         Date of Suit
•         Dispute ID No.
•         Transaction Type Code
•         OTHER_BK

6.   Guarantor Segment – Gurantor segment consist of-

•         Business Entity Name
•         Business Category
•         Business / Industry Type
•         Individual Name Prefix
•         Full name
•         Gender
•         Company Registration Number
•         Date of Incorporation
•         Date of Birth
•         PAN
•         Voter ID
•         Passport Number
•         Driving Licence ID
•         UID
•         Ration card no
•         CIN
•         DIN
•         TIN
•         Service Tax
•         Percentage of control
•         Address Line
•         City/Town
•         District
•         State/Union Territory
•         Pin code
•         Country
•         Mobile number
•         Telephone number

7.   Security segment – Security segment consists of-

•         Value of security
•         Currency type
•         Type of Security
•         Security Classification
•         Date of Valuation

8.   Dishonour of Cheques Segment – This segment consists of-

•         Date of Dishonour
•         Amount
•         Instrument / Cheque Number
•         Number of times dishonoured
•         Cheque Issue Date
•         Reason for Dishonour

Legal constitution defined in Commercial CIBIL

Private Limited, Public Limited, Business Entities Created by Statute, Proprietorship, Partnership, Trust, Hindu Undivided Family,  Co-operative Society,  Association of Persons ,Government, Self Help Group, Not classified

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