Structure of a Consumer CIBIL Report

Consumer CIBIL report issued by Transunion CIBIL contains following segments-

1.   Header Segment – Header segment consists of

•         Reporting member/processor ID.
•         Reporting member/processor short name
•         Date reported and certified

2.   Name Segment – Name segment consists of –

•         Consumer Name
•         Date of birth
•         Gender

3.   Identification segment – Identification segment consists of –

•         ID Type – ID type can be Income Tax ID Number (PAN), Passport Number,  Voter ID Number, Driver’s License Number, Ration Card Number, Universal ID Number (UID)
•         ID Number – provided for specific ID type
•         Issue date
•         Expiration date

4.   Telephone segment – Telephone segment consists of –

•         Telephone number
•         Telephone extension
•         Telephone type

5.   E Mail contact segment – Email contact segment consists of-

•         Email Id

6.   Address segment – Address segment consists of –

•         Address line
•         State code
•         Pin code
•         Address category
•         Residence code – Owned or rented

7.   Account segment – account segment consists of –

•         Current/New Reporting Member Code
•         Current/New Member Short Name
•         Current/New Account Number
•         Account Type
•         Ownership Indicator – Individual, Authorised user, Guarantor, joint
•         Date Opened/Disbursed
•         Date of Last Payment
•         Date Closed
•         Date Reported and Certified
•         High Credit/Sanctioned Amount
•         Current Balance
•         Amount Overdue
•         Number of Days Past Due
•         Old Reporting Member Code
•         Old Member Short Name
•         Old Account Number
•         Old Account Type
•         Old Ownership Indicator
•         Suit Filed / Wilful Default
•         Credit Facility Status
•         Asset Classification
•         Value of Collateral
•         Type of Collateral
•         Credit Limit
•         Cash Limit
•         Rate Of Interest
•         Repayment Tenure
•         EMI Amount
•         Written-off Amount (Total)
•         Written-off Amount (Principal)
•         Settlement Amount
•         Payment Frequency
•         Actual Payment Amount
•         Occupation Code
•         Income
•         Net/Gross income indicator
•         Monthly/Annual income indicator

8.   Account history segment – Account history segment consists of-

•         Account history date
•         Asset classification date/NDPD
•         Amount overdue
•         High Credit/Sanctioned Amount
•         Credit Limit
•         Cash Limit
•         Current Balance
•         Date of Last Payment
•         Actual Payment Amount

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