CIBIL Commercial Report

What is Included in a Commercial CIBIL Report?

A CIBIL commercial report provides a comprehensive view of a company’s credit history and payment patterns. The report is delineated into several key sections:

1. Identification: A unique identifier number that is allocated every time the report is produced.

1. Enquiry Information: Basic information about the company including address and contact information.

1. Identification Details: PAN, company registration number, and other identification details.
2. Borrower Details: Company name, legal constitution, and class of activity (nature of business).

1. Borrower Profile: Current demographic and legal information about the company which has been broken down into four sub-sections.

1. Address & Contact Details: Registered office address, phone number, etc.

1. CIBIL Rank: An overall indication of credit worthiness reflected in one digit from 1 (best) to 10 (worst).

1. Credit Profile Summary: A summary of lenders, type of credit facilities and total outstanding.

1. Credit Rating Summary: The most recent credit ratings provided by a recognized external agency.

1. Enquiry Summary: A summary of all credit applications in the last two years.

1. Delinquencies Reported: Company and any guarantors on record for payment history.

1. Derogatory Information: Record of default, write off, bounced cheques or other unfavorable events on record.

1. Outstanding Balance Details: Classification of your assets across all credit facilities.

1. Credit Facility Details (As Borrower): Provides information on the loan and credit facility that has been taken out by the company.

1. Credit Facility Details (As Guarantor): Provides information on the facilities guaranteed by the company.

1. Suit Filed Details: Information on any lawsuits that have been filed by the lenders against the company.

1. Enquiry Details: Detailed information on the lender enquiry made prior to the approval of credit.

1. Location Details: Additional addresses and contacts, along with the number of lenders reporting about the company.

1. Related Parties Details: Information about related individuals or entities.

Features of CIBIL Commercial Report

The main features of the CIBIL Commercial Report are mentioned below:

1. Credit history of potential commercial borrowers can be accessed.
2. You can access financial responsibility before making a decision.
3. Risks are lowered and you can lend with confidence.
4. You can get insights into the overall borrowings across various lending institutions.
5. The credit can be disbursed faster.

How to get CIBIL Commercial Report?

You can conveniently access your company's CIBIL Commercial Report from the official TransUnion CIBIL website. However, CIBIL Commercial Report, unlike the individual CIBIL reports, cannot be obtained free of cost through purchase with a subscription:

Follow these steps to check and obtain your company’s CIBIL Commercial Report:

1. Step 1: Go to the official TransUnion CIBIL website www.transunioncibil.com and navigate to the ‘CIBIL Report Products’ section on the main menu.

1. Step 2: Click on ‘CIBIL Rank and Company Report’ and click ‘Subscribe Now’.

1. Step 3: Choose your preferred subscription plan. CIBIL offers three plans such as Basic, Standard, and Premium plans for 1 month, 3 months, and 12 months of access respectively. Click on the plan you want to subscribe to.

1. Step 4: You will be directed to a new page and need to enter your company GSTIN. Tick the checkbox confirming you agree to the terms and select ‘Enter GSTIN and Go Paperless’.

1. Step 5: Check the details of your company name, address, and PAN. If any fields are blank, fill them out properly. Tick the checkbox confirming and then click on ‘Submit and Continue to Step 2’.

1. Step 6: Select your method of payment and then securely complete your payment.

1. Step 7: Upon completion of payment, you will receive an email from CIBIL confirming your payment along with your Transaction ID as well as your Registration ID.

1. Step 8: Lastly, upload the KYC documents as per the instructions. After verification, your Company Credit Report and CIBIL Rank will be dispatched to your registered business address within a time period of 7 working days.

Purpose of a Commercial CIBIL Report

The importance of a Commercial CIBIL Report is listed below:

1. Assist lenders in the assessment of creditworthiness for micro, small, and medium enterprises (MSMEs) and other business entities prior to undertaking loan approval.

1. To establish a transparent record of the borrowing and repayment history of the company.

1. Provide financial institutions with a risk assessment allowance regarding the lending effort.

1. To assist lenders in objective credit considerations, with respect to credit borrowing and repayment.

1. Facilitate accountability in borrowing and financial discipline among businesses.

Benefits of a Commercial CIBIL Report

The following are the benefits of a Commercial CIBIL Report:

1. Better Lending Decisions: It allows lenders to support low-risk, data-led credit approvals.

1. Extensive Credit Information: It provides detailed multi-dimensional insights into a company’s financial behavior.

1. Better Risk Management: It helps financial institutions detect credit risk and also better manage risk.

1. Wider Access to Credit: It builds trust with lenders and increases access to loans for businesses.

1. Better Underwriting Process: Provides meaningful data objectively to enable improved loan evaluations.

1. Encourages Credit Discipline: It promotes timeliness in repayment and accountability in managing credit.

1. Data base support by TransUnion CIBIL: It pulls from one of India’s largest commercial databases, with over 6,000 member institutions providing data including banks, NBFCs, and housing finance institutions.

Factors that Affect the CIBIL Commercial Report

The list of factors that affect the CIBIL Commercial Report are mentioned below:

1. Company's Profile: The life and size of the company are considered. A sound financial history is usually maintained by older and bigger corporations. Therefore, they are considered more creditworthy than newer organisations.
2. Outstanding Debts: Any outstanding debts will affect the CIBIL Commercial Report in a negative way. Therefore, it is vital to keep only feasible debts outstanding.
3. Payment History: The payment history of the company plays a vital role in the CIBIL Commercial Report. The report will be affected if you do not pay your EMIs on time.
4. Credit Utilisation Ratio: The credit utilisation ratio is an important factor that is considered on the CIBIL Commercial Report. In case your credit utilisation ratio is high, the report will be affected in a negative way.
5. Credit History: The credit history length plays a huge role in the CIBIL Commercial Report. The report will be better if your credit history is long.

How to Improve the CIBIL Commercial Report?

Some of the ways to improve the CIBIL Commercial Report are mentioned below:

1. You can avail yourself of a long loan and pay it on time. This can help in creating a good image with the lender.
2. It is vital to keep a note of the money that has been received and spent. This can help in determining the amount of loan you will need from the lender.
3. In case there are any issues with the credit statements, it must be rectified immediately. This can help in availing a loan.
4. All your EMIs must be paid on time. It is also important that the entire outstanding amount is paid by the due date.

Difference between Commercial CIBIL and Consumer CIBIL

The main differences between Commercial CIBIL and Consumer CIBIL are mentioned in the table below: 

CIBIL Company Credit Report Customer Service Details

If you have any queries, concerns, or issues related to your Company Credit Report (CCR), TransUnion CIBIL provides multiple ways for customers to reach out for assistance. The customer support team is dedicated to helping businesses resolve their concerns regarding data accuracy, report updates, or access-related difficulties in a timely and transparent manner.

1. CIBIL Consumer Helpline

For immediate assistance, you may contact the CIBIL Consumer Helpline at +91–22–6140 4300. The helpline operates from 10:00 a.m. to 6:00 p.m., Monday to Friday. Customers are advised to keep their registered details handy while calling to ensure quicker verification and response.

1. CIBIL Consumer Email

Alternatively, businesses can raise queries or submit service requests online by visiting the official support page at https://www.cibil.com/contact-us-faq. The online form enables you to describe your issue in detail and track its resolution through the portal.

1. CIBIL Consumer Address

Written correspondence or formal documentation can also be directed to the registered office of TransUnion CIBIL at: TransUnion CIBIL Limited (Formerly: Credit Information Bureau (India) Limited) One World Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013. Fax: +91–22–6638 4666.

1. Grievance Redressal

For grievance redressal matters, customers can contact the following designated officers:

Nodal Officer: Mr. A. Sharma

Principal Nodal Officer: Mr. N. Pohare Both officers can be reached at the same registered office address provided above. They are responsible for handling escalations that require additional review or formal resolution beyond the initial level of support.

1. Integrated Ombudsman

In situations where a grievance remains unresolved even after following the internal redressal process, customers can approach the Integrated Ombudsman. This mechanism ensures impartial review and fair handling of complaints in accordance with RBI guidelines.

You can file your complaint online via the RBI’s Complaint Management System (CMS) at https://cms.rbi.org.in/. Alternatively, written complaints may be sent to: Centralised Receipt and Processing Centre, Reserve Bank of India 4th Floor, Sector 17, Chandigarh – 160017.

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