UNDERSTANDING YOUR CIBIL CREDIT REPORT

Your CIBIL Credit Report is a record of your credit payment history compiled from information received from credit grantors. The purpose is to help credit grantors make informed lending decisions - quickly and objectively, and enable faster processing of your credit applications to help provide you speedier access to credit at better terms. Please read the descriptions below for guidance on understanding the elements of your CIBIL Credit Report.

REPORT HEADER INFORMATION

CONSUMER/BORROWER: ABC XYZ MEMBER ID: AB00000000 MEMBER REFERENCE NUMBER: BB-CCC00 CONSUMER/BORROWER: Name of consumer/borrower DATE: 10-07-2010 TIME: 07:25:53 CONTROL NUMBER: 4XX, XXX, XXX DATE: Date when the report was created. TIME: Time stamp when the report was created. CONTROL NUMBER: Assigned each time a report is generated by the system

CONSUMER/BORROWER INFORMATION
CONSUMER/BORROWER INFORMATION NAME: ABC XYZ PERSONAL DETAILS DATE OF BIRTH: 16-08-1976 GENDER: MALE TELEPHONE(S) 9000012345, 20001234 IDENTIFICATION INCOME TAX ID: AAAAA9999A VOTER ID: BB/00700X9/1 PASSPORT NO: XZ-9999999 INCOME TAX ID: Consumers Permanent Account Number. VOTER ID: Consumers Voter Identification Number. PASSPORT NO: Consumers passport number

NAME: Consumers name. DATE OF BIRTH: Consumers date of birth. Format is DD-MM-YYYY. GENDER: Consumers gender.

TELEPHONE(S): Consumers telephone number(s).

Blank field indicates that this information was not reported to CIBIL ADDRESS(ES):
ADDRESS(ES): ADDRESS 24/5 KANNAGI STREET, VINAYAGAPURAM, AMBATTUR, CHENNAI, TAMILNADU 600053 TOWER 1, 7TH FLR, LOGITECH PARK, SAKINAKA, ANDERI (E), MUMBAI 400 072 DATE REPORTED 24-04-2008 12-09-2007

ADDRESS
Up to four addresses can appear on each report. Addresses are in free format and usually contain the following elements: Consumers address, City/Town and District, State Descriptive information such as care of, son of, etc. PIN Code of the address The latest updated address is listed first

DATE REPORTED Date the associated address was first reported. Format is DD-MM-YYYY.

2011 ALL RIGHTS RESERVED Credit Information Bureau (India) Limited Registered Office: Hoechst House, 6th Floor, 193, Backbay Reclamation, Nariman Point, Mumbai 400 021, India

UNDERSTANDING YOUR CIBIL CREDIT REPORT

SUMMARY
SUMMARY: ACCOUNT(S) ACCOUNT TYPE All Accounts ACCOUNTS TOTAL: 3 OVERDUE: 1 ZERO-BALANCE: 1 ADVANCES HIGH CR/ SANC. AMT: 78,000 BALANCES CURRENT: 19,731 OVERDUE: 1,023 DATE OPENED RECENT: 19.11. 2005 OLDEST: 03.02. 2001

ENQUIRIES
ENQUIRY/PURPOSE TOTAL 2 PAST 31 DAYS 2 PAST 12 MONTHS 0 PAST 24 MONTHS 0 RECENT 13-11-2007

All Enquiries ACCOUNTS

ACCOUNTS TOTAL: The total number of accounts displayed in the Accounts section. OVERDUE: The number of accounts with overdue balances. ZERO-BALANCE: The number of accounts with a zero balance.

ADVANCES HIGH CR / SANC. AMT: For credit cards and fleet cards, this is the highest amount of credit used (highest billing) in the history of the account. For other account types it is the sanctioned amount of the loan.

BALANCES CURRENT: The sum of the entire amount of credit/loan outstanding, including the current and overdue portion, if any, together with interest last applied for all the accounts. A negative sign indicates a credit balance. OVERDUE: The total overdue balances for all accounts.

DATE OPENED RECENT: The date the most recent account was established. OLDEST: The date the oldest account was established. Format for the above dates is DD-MM-YYYY.

ENQUIRIES
TOTAL The number of times the credit report has been requested by a credit grantor. PAST 30 DAYS The number of times the credit report has been requested by a credit grantor within the past 30 days. PAST 12 MONTHS The number of times the credit report has been requested by a credit grantor within the past 12 months. PAST 24 MONTHS The number of times the credit report has been requested by a credit grantor within the past 24 months. RECENT The date of the most recent enquiry. Format is DD-MM-YYYY.

ACCOUNTS ACCOUNTS
ACCOUNT MEMBER NAME: XYZ BANK ACCOUNT NUMBER: 1234567890 TYPE: AUTO LOAN OWNERSHIP: INDIVIDUAL DATES OPENED: 10-01-2001 LAST PAYMENT: 10-01-2005 CLOSED: 24-12-2005 REPORTED: 15-02-2005 AMOUNTS SANCTIONED: 16,000 CURRENT BALANCE: 0 OVERDUE: 0 STATUS WRITTEN OFF

DAYS PAST DUE/ASSET CLASSIFICATION (UPTO 36 MONTHS; LEFT TO RIGHT) 182 152 122 092 062 032 012 009 005 STD 012 000 000 STD 000 000 000 009 12-04 11-04 10-04 19-04 08-04 07-04 06-04 05-04 04-04 03-04 02-04 01-04 12-03 11-03 10-03 09-03 08-03 07-03 STD STD SUB STD 000 06-03 05-03 04-03 03-03 02-03 000 000 01-03 12-02 000 11-02 045 10-02 030 09-02 000 08-02 STD STD 07-02 06-02 STD 05-02 STD STD 04-02 03-02

2011 ALL RIGHTS RESERVED Credit Information Bureau (India) Limited Registered Office: Hoechst House, 6th Floor, 193, Backbay Reclamation, Nariman Point, Mumbai 400 021, India

UNDERSTANDING YOUR CIBIL CREDIT REPORT

ACCOUNT
MEMBER NAME: Name of the member holding the account. ACCOUNT NUMBER: Account number. TYPE: Type of account. Values include: Auto Loan, Housing Loan, Credit Card, Personal Loan, Consumer Loan, etc. OWNERSHIP: Valid values are: Individual, Authorized User (refers to supplementary credit card holder), Guarantor, and Joint.

DATES
OPENED: Date the account was opened. For credit cards and fleet cards, this is the date the card becomes active. LAST PAYMENT: Date the last payment was made on the account. CLOSED: Date the account was closed. REPORTED: The most recent date the reporting member reported information about the account to CIBIL. Format for the above dates is DD-MM-YYYY.

AMOUNTS
SANCTIONED: For credit cards and fleet cards, this is the highest amount of credit used (highest billing) in the history of the account. For other account types, it is the sanctioned amount of the loan. CURRENT BALANCE: The sum of the entire amount of credit/loan outstanding, including the current and overdue portion, if any, together with interest last applied for all the accounts. A negative sign indicates a credit balance. OVERDUE: Total amount the account is past due.

STATUS
Status: Options include: Suit filed, Willful default, Suit filed (Willful Default), Written off, Suit filed and written off, Willful default and written off, and Suit filed (Willful default) and written off.

DAYS PAST DUE / ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT) Information on Days Past Due (DPD) or Asset Classification (AC), monthwise, over the history of the account. The leftmost number/ value (182 in this example) is the DPD or the AC as on the date in the Reported field (December 2004 in this example). The key to the right helps explain account history / asset classification contained in some of the accounts below. XXX Not Reported 000 No. Days Late STD Standard SMA Special mention account SUB Sub Standard DBT Doubtful LSS Loss

Notes: If the account is closed, the leftmost number/value is the DPD/AC as of the Date Closed. The credit report can display upto 36 months of payment history. Blank field indicates that this information was not reported to CIBIL

ENQUIRIES Enquiries
MEMBER IMAGINARY BANK ABC BANK DEF BANK GHI BANK ENQUIRY DATE 11-07-2006 18-09-2006 24-01-2006 26-12-2005 ENQUIRY PURPOSE CREDIT CARD HOUSING LOAN SECURED LOAN SECURED LOAN ENQUIRY AMOUNT 50,000 50,000 50,000 50,000

MEMBER Name of the member that made the enquiry.

ENQUIRY DATE Date the enquiry was made.

ENQUIRY PURPOSE Type of account for which the enquiry was made.

ENQUIRY AMOUNT Amount of credit for which the enquiry was made.

2011 ALL RIGHTS RESERVED Credit Information Bureau (India) Limited Registered Office: Hoechst House, 6th Floor, 193, Backbay Reclamation, Nariman Point, Mumbai 400 021, India