Structure of a CRIF Highmark Report

Structure of a CRIF HiGHMARK report

CRIF report is divided into following segments-

1.   Header Segment-

•         Reference code
•         Date of request
•         Date of issuance

2.   Enquiry details –

•         Borrower details
•         Name
•         Legal constitution
•         Class of activity
•         Loan applied for
•         CIN
•         Phone
•         PAN
•         Registered address

3.   CRIF HIGH MARK score –

•         Score between (300-900)
•         Description as per CRIF ( A-M), (1-5)

4.   Borrower summary

•         Total lenders
•         Total accounts
•         Live accounts
•         Delinquent accounts
•         Sanctioned amount
•         Outstanding amount
•         Overdue amount
•         PAR

5.   Credit profile summary –

•         Asset class – Standard, SMA, SUBstandard, Doubtful, Loss
•         Credit facility group – Working capital, Term loan, Non funded, others

6.   Additional status-

•         Suit filed, Written off, Wilful defaulter, Restructured, Invoked, devolved
•         Derog status – 0-3, 3-6, 6-12, 12-24, >24 months

7.   New credit facilities (in last 12 months)

•         Sanctioned amount
•         Credit facility group
•         As per amount – <25, 25 L- 2 Cr, 2Cr – 5Cr, 5Cr-20 Cr etc

8.   Firmographic data –

•         Company Name
•         CIN
•         Incorp year
•         Category
•         City
•         List of directors

9.   Index of charges

•         Charge holder name
•         CIN of firm
•         Charge ID
•         Date of charge creation/modification
•         Charge amount

10.   Relationship details-

•         Name
•         Nature of relationship
•         Type of relationship
•         DOJ/DOB
•         ID
•         Address

11.   Account/Trade history-

•         Type
•         Lender
•         Account number
•         Closure reason
•         DPD/Asset classification
•         Last payment date
•         Amount overdue
•         Closed date
•         Sanctioned date
•         Current balance
•         Sanctioned amount
•         Drawing power
•         Current balance history for past 12 months
•         Payment history/Asset classification for past 36 months
•         Suit filed and Willfully default status – Suit amount, suit date, willful default amount, will full default date
•         Info as of date
•         Account status – Active/Closed

Related posts:

PAN card Structure of a Commercial CIBIL Report Important points on PAN form Structure of a Consumer CIBIL Report FAQs on copyright in India