[A] COMMERCIAL CIR HEADER:

Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
1 REPORT ORDER NUMBER Order Number assigned to the Commercial
CIR by the CIBI system!
" REPORT ORDER D#TE Date o$ generation o$ Commercial CIR!
% PRODUCT N#ME Name o$ Product ordered & currently
Commercial CIR!
' BORRO(ER)* N#ME Name o$ the #++licant!
, MEMBER RE-ERENCE NUMBER Re$erence number assigned to the in.uiry by
the Member!
/ O#N #MOUNT #PPIED 0Rs1 #mount o$ credit $or 2hich the in.uiry 2as
made!
3 U*ER ID Member User ID ma4ing the in.uiry!
[!] "ROFILE:
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
1 N#ME
This section o$ the CIR relates to the
Borro2er Pro$ile and +ro5ides details o$ the
Borro2er on 2hom the CIR has been
accessed!
D6U6N6*7 Number is a uni.ue identi$ication
Number +ro5ided by CIBI to e5ery
Borro2er8 at a +articular location!
Class o$ #cti5ity re$ers to the Classi$ication
o$ #cti5ity 9 Occu+ation o$ the Borro2er8 as
+er Reser5e Ban4 o$ India8 :andboo4 o$
*tatistical Returns 1 and "
" *:ORT N#ME
% E;# CON*TITUTION 0Re$er to
Catalogue 1 $or the 5alid 5alues1
' #DDRE**
, CIT< 9 TO(N
/ DI*TRICT
3 *T#TE 9 UNION TERRITOR<
= COUNTR<
> D6U6N6*7 NUMBER
1? P#N
11 C#** O- #CTI@IT<
1" TEEP:ONE NUMBER
1% -#A NUMBER
1' PIN CODE
1, #*T REPORTED D#TE The most recent date any Member has
re+orted in$ormation about the Borro2er to
CIBI!
CIBIL Commercial Credit Information Report (CIR) Explanation
[C] RELA#IONSHI"$S%:
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
1 RE#TED ENTIT< N#ME
This section o$ the CIR relates to any
business entity 9 indi5idual related to the
Borro2er i!e! *hareholders8 Directors8
:olding Com+any8 Pro+rietor8 Partners etc!
and +ro5ides details o$ such entity 9
indi5idual! This segment is re+eated $or each
relationshi+ o$ the borro2er as re+orted by
Members and a5ailable in CIBI database!
Related D6U6N6*7 Number is a uni.ue
identi$ication number +ro5ided by CIBI to
e5ery &'(ine(( entit) related to the
Borro2er! This $ield 2ill be blan4 in case the
Relationshi+ +ertains to an indi5idual!
" RE#TION*:IP 0Re$er to Catalogue " $or
the 5alid 5alues1
% P#N
' #DDRE**
, CIT< 9 TO(N
/ DI*TRICT
3 TEEP:ONE NUMBER
= RE#TED D6U6N6*7 NUMBER
> RE#TED T<PE 0Re$er to Catalogue % $or
the 5alid 5alues1
1? PERCENT#;E O- CONTRO
11 *T#TE 9 UNION TERRITOR<
1" PIN CODE
1% COUNTR<
1' #*T REPORTED D#TE The most recent date any Member has
re+orted in$ormation about the Relationshi+
to CIBI!
]D] N*M!ER OF IN+*IRIES ON #HE !ORRO,ER:
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
1 PERIOD Number o$ In.uiries made on the Borro2er
by Members8 on the CIBI database8 o5er a
+eriod o$ 1" months!
" NUMBER O- INBUIRIE*
[E] LOCA#ION$S%:
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
1 D6U6N6*7 NUMBER
This section o$ the CIR +ro5ides details o$
the ocation0s1 o$ the Borro2er8 including
the Registered O$$ice!
C ocation Ty+e
? & Registered O$$ice
1 & Other than Registered O$$ice
" OC#TION T<PE C
% #DDRE**
' CIT< 9 TO(N
, DI*TRICT
/ *T#TE 9 UNION TERRITOR<
3 PIN CODE
= TEEP:ONE NUMBER
> -#A NUMBER
[F] CREDI# FACILI#IES - S*MMAR.:
This section o$ the CIR gi5es a summary o$ the 5arious credit $acilities a5ailed by the Borro2er8
classi$ied by credit ty+e and currency! Details o$ each Credit -acility are contained in the neDt section!
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
1 NO! O- MEMBER* Number o$ Members 2ho ha5e re+orted
Credit -acilities $or the Borro2er8 $or the
+articular credit ty+e!
" NO! O- CREDIT -#CIITE* Number o$ Credit -acilities re+orted $or the
Borro2er by 5arious Members8 $or the
+articular credit ty+e!
% CREDIT T<PE Ty+e o$ Credit -acility a5ailed by the
Borro2er! 0Re$er to Catalogue ' $or the 5alid
5alues1
' CURRENC< CODE 0*#NCTIONED
#MOUNT1
Currency in 2hich the Credit -acilities o$ a
+articular ty+e are sanctioned! 0Re$er to
Catalogue , $or the 5alid 5alues1
, #**ET C#**I-IC#TION Current Balance a++earing in the $ield
Current Balance 9 Outstanding #mount $or
each credit ty+e 2ill be sho2n under one or
more o$ the #sset Classi$ications8 as
a++licableE
*tandard
*+ecial Mention #ccount
*ub6standard
Doubt$ul
oss
/ CURRENT B##NCE 9 OUT*T#NDIN;
#MOUNT
The entire amount o$ credit outstanding8
including the current and o5erdue +ortion8 i$
any!
[/] CREDI# FACILI#IES - DE#AILS:
This section o$ the CIR contains details o$ the credit $acilities a5ailed by the borro2er and 2ill be
re+eated $or each credit $acility as re+orted by Members and a5ailable in CIBI database!
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
/eneral Information
1 *#NCTION D#TE Date on 2hich the Credit -acility 2as $irst
sanctioned by the Member!
" *#NCTIONED #MOUNT *anctioned 9 #++ro5ed amount o$ the Credit
0or credit limit18 as o$ the date in the Fast
Re+orted DateG $ield!
I$ this $ield contains FHG8 it indicates that the
#mount is a consolidated amount sanctioned
$or more than one credit $acility!
% CREDIT T<PE Ty+e o$ Credit -acility a5ailed by the
Borro2er! 0Re$er to Catalogue ' $or the 5alid
5alues1
' CURRENC< CODE 0*#NCTIONED
#MOUNT1
Currency in 2hich the Credit -acility is
sanctioned!
, DR#(IN; PO(ER Dra2ing Po2er as com+uted by the Member8
as o$ the date in the Fast Re+orted DateG
$ield!
I$ this $ield contains FHG8 it indicates that the
#mount is the consolidated Dra2ing Po2er
a5ailable to the Borro2er $rom the Member!
/ CURRENT B##NCE 9 OUT*T#NDIN;
#MOUNT
The entire amount o$ credit outstanding8
including the current and o5erdue +ortion8 i$
any8 as o$ the date in the Fast Re+orted
DateG $ield!
3 #**ET C#**I-IC#TION One o$ the $ollo2ing 2ill a++ear 0as +er RBI
norms1E
*T#ND#RD
*PECI# MENTION #CCOUNT
*UB6*T#ND#RD
DOUBT-U
O**
= B#NI REM#RI CODE I$ the account is closed8 this $ield 2ill re+ort
F#CCOUNT CO*EDG! Else it 2ill be
blan4!
> #*T REPORTED D#TE The most recent date the Member re+orted
in$ormation about the Credit -acility to
CIBI!
,illf'l Defa'lter Stat'(
1? *T#TU* This $ield 2ill contain either o$ the $ollo2ing
5aluesE
NOT (I-U DE-#UTER
(I-U DE-#UTER
11 D#TE C#**I-IED #* (I-U
DE-#UTER
Date on 2hich the Member classi$ied the
#ccount as (ill$ul De$aulter8 i$ re+orted!
S'it Filed Stat'(
1" *UIT -IED *T#TU* This $ield 2ill contain either o$ the $ollo2ing
5aluesE
NOT *UIT -IED
*UIT -IED
TRI# IN PRO;RE**
DECREE I**UED
EAECUTION O- DECREE
1% *UIT RE-ERENCE NUMBER Re$erence Number o$ the suit8 i$ re+orted by
the Member!
1' *UIT #MOUNT The #mount $or 2hich suit has been $iled by
the Member!
1, D#TE O- *UIT Date 2hen suit 2as admitted by the
com+etent #uthority!
1/ N#ME O- CREDIT ;R#NTOR Name o$ the Member that has $iled the suit!
13 O--ICE Branch 9 O$$ice o$ the Member that has $iled
the suit!
/'arantor
1 ;U#R#NTOR N#ME
These $ields +ro5ide details o$ the business
entity 9 indi5idual that has guaranteed the
abo5e Credit -acility!
;uarantor D6U6N6*7 Number is a uni.ue
identi$ication number +ro5ided by CIBI to
e5ery &'(ine(( entit) that has guaranteed the
Credit -acility! This $ield 2ill be blan4 in
case the ;uarantor is an indi5idual!
" ;U#R#NTOR D6U6N6*7 NUMBER
% ;U#R#NTOR T<PE 0Re$er to Catalogue %
$or the 5alid 5alues1
' ;U#R#NTOR P#N
, #DDRE**
/ CIT< 9 TO(N
3 DI*TRICT
= TEEP:ONE NUMBER
> *T#TE 9 UNION TERRITOR<
1? PIN CODE
11 COUNTR<
1" #*T REPORTED D#TE The most recent date the Member re+orted
in$ormation about the ;uarantor to CIBI!
[H] DE#AILED CREDI# HIS#OR.:
This section o$ the CIR contains the current balance and asset classi$ication $or each o$ the re+orted
credit $acilities o$ the borro2er8 month62ise $or the last "' months! The $irst month is the month
immediately +rior to the month in 2hich the member last re+orted the credit $acility i!e! month +rior to
Fast Re+orted DateG8 a++earing in the +re5ious section!
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
/eneral Information
1 CREDIT T<PE Ty+e o$ Credit -acility a5ailed by the
Borro2er!
" PERIOD Month62ise history o$ the #ccount! The CIR
can dis+lay u+ to "' months o$ +ayment
history!
% CURRENT B##NCE The entire amount o$ credit outstanding8
including the current and o5erdue +ortion8 i$
any8 as o$ the corres+onding month!
' #**ET C#**I-IC#TION #s o$ the corres+onding monthE
*T#ND#RD
*PECI# MENTION #CCOUNT
*UB6*T#ND#RD
DOUBT-U
O**
Se0tion( F1 / 2 H1 a( e3plained a&o4e1 5ill &e repeated for Credit Fa0ilitie( g'aranteed
&) te a&o4e !orro5er1 if an). #e(e are:
[I] S*MMAR. OF CREDI#$S% /*ARAN#EED !. #HE !ORRO,ER
[6] DE#AILS OF CREDI#$S% /*ARAN#EED !. #HE !ORRO,ER
This section 2ill also contain the details o$ the Borro2er Entity that has a5ailed the said Credit
-acility! The $ields are as $ollo2sE
Sr.
No.
Field Heading in Credit Information Report Information appearing in te field
1 BORRO(ER N#ME
This section o$ the CIR relates to the
Borro2er Entity that has a5ailed the Credit
-acility guaranteed by the #++licant!
Borro2er D6U6N6*7 Number is a uni.ue
identi$ication Number +ro5ided by CIBI to
e5ery Borro2er8 at a +articular location!

" BORRO(ER D6U6N6*7 NUMBER
% BORRO(ER T<PE 0Re$er to Catalogue % $or
the 5alid 5alues1
' BORRO(ER P#N
, #DDRE**
/ CIT< 9 TO(N
3 DI*TRICT
= TEEP:ONE NUMBER
> *T#TE 9 UNION TERRITOR<
1? PIN CODE
11 COUNTR<
1" -#A NUMBER
1' #*T REPORTED D#TE The most recent date any Member has
re+orted in$ormation about the Borro2er to
CIBI!
Other ;uarantor0s1 to the abo5e Credit -acilities8 i$ any8 2ill also be re+orted in this section 0J1
o$ the CIR! The details a5ailable 2ill be the same as the ;uarantor details in *ection ;!
[7] DE#AILED HIS#OR. OF CREDI#$S% /*ARAN#EED !. #HE !ORRO,ER
CA#ALO/*ES
8. LE/AL CONS#I#*#ION
Pri5ate imited
Public imited
Business Entities Created by *tatute
Pro+rietorshi+
Partnershi+
Trust
:indu Undi5ided -amily
Co6o+erati5e *ociety
#ssociation o$ Persons
;o5ernment
Not classi$ied
9. RELA#IONSHI"
*hareholder
:olding Com+any
*ubsidiary Com+any
Pro+rietor
Partner
Trustee
Promoter Director
Nominee Director
Inde+endent Director
Director 6 *ince Resigned
Other
:. RELA#ED ; /*ARAN#OR ; !ORRO,ER #."E
Business Entity Registered in India
Resident Indian Indi5idual
Business Entity Registered Outside
India
-oreign 9 Non6Resident Indian
Indi5idual
<. CREDI# #."E
Cash Credit
O5erdra$t
Demand oan
oan EDtended Through Credit Cards
Medium Term oan 0+eriod abo5e 1 year and u+to
% years1
ong Term oan 0+eriod abo5e % years1
Pac4ing Credit 0all eD+ort +re6shi+ment $inance1
ED+ort Bills Purchased
ED+ort Bills Discounted
ED+ort Bills #d5anced #gainst
#d5ances #gainst ED+ort Cash Incenti5es and
Duty Dra26bac4 Claims
Inland Bills Purchased
Inland Bills Discounted
#d5ances #gainst Im+ort Bills
-oreign Currency Che.ues8 TCs9DDs9TTs9MTs
Purchased
ease -inance
:ire Purchase
Ban4 ;uarantee
De$erred Payment ;uarantee
etters o$ Credit
#ggregation o$ all borro2ings due to $iling o$ suit
Others
<. C*RRENC. CODE
Code
De(0ription
Code
De(0ription
#-# #$ghanistan #$ghani CN< Chinese <uan Renminbi
# #lbanian e4 COP Colombian Peso
DKD #lgerian Dinar IM- Comoros -ranc
#D- #ndorran -ranc A#- CongoE C-# -ranc BE#C
#DP #ndorran Peseta CRC Costa Rican Colon
#ON
#ngolan Ne2 I2anLa AO- Cote DMI5oireE C-# -ranc
BCE#O
#N; 0Netherlands1 #ntillian ;uilder :RI Croatian Iuna
#ED 0United1 #rab Emirates Dirham CUP Cuban Peso
#R# #rgentine #ustral C@P Cy+rus Pound
#R* #rgentine Peso C*I CLech Ioruna
#(; #ruban -lorin 0old guilder1 DII Danish Irone
#UD #ustralian Dollar DJ- DNibouti -ranc
#T* #ustrian *chilling DOP Dominican Peso
B*D Bahamian Dollar N; Dutch ;uilder
B:D Bahraini Dinar EUR Euro
BDT Bangladeshi Ta4a EC* Ecuador *ucre
BBD Barbados Dollar E;P Egy+tian Pound
BE- Belgian -ranc *@C El *al5ador Colon
BKD
BeliLe Dollar A#- E.uatorial ;uineaE C-# -ranc
BE#C
AO- BeninE C-# -ranc BCE#O EEI Estonian Iroon
BMD Bermudian Dollar ETB Ethio+ian Birr
BTN Bhutan Ngultrum -IP -al4land Isl!Pound
BOB Boli5ian Boli5iano -JD -iNi Dollar
B(P Bots2ana Pula -IM -innish Mar44a
BRC BraLilian CruLeiro -R- -rench -ranc
BR BraLilian Real A#- ;abonE C-# -ranc BE#C
;BP British Pound ;MD ;ambian Dalasi
BND Brunei Dollar DEM ;erman Mar4
B; Bulgarian e5 ;:C ;hanaian Cedi
AO- Bur4ino -asoE C-# -ranc
BCE#O
;IP
;ibraltar Pound
BI- Burundi -ranc A#U ;old 0oL!1
AO- C-# -ranc BCE#O (for Benin,
Burkino Faso, Cote D'Ivoire,
Mali, Niger, Senegal and Togo)
;RD ;ree4 Drachma
A#- C-# -ranc BE#C (for
Cameroon, the Central fri!an
"e#u$li!, Chad, Congo,
%&uatorial 'uinea and 'a$on)
;TB ;uatemalan BuetLal
I:R
Iam+uchean 0Cambodian1 Riel ;N-
;uinea -ranc
A#- CameroonE C-# -ranc BE#C ;(P ;uinea6Bissau Peso
C#D Canadian Dollar ;<D ;uyanan Dollar
Code De(0ription
Code
De(0ription
C@E Ca+e @erde Escudo :T; :aitian ;ourde
I<D Cayman Islands Dollar :N :onduran em+ira
A#- The Central #$rican Re+ublicE
C-# -ranc BE#C
:ID :ong Iong Dollar
A#- ChadE C-# -ranc BE#C :U- :ungarian -orint
CP Chilean Peso I*I Iceland Irona
INR Indian Ru+ee PEN Peru5ian Neue5o *ol
IDR Indonesian Ru+iah P:P Phili++ine Peso
IRR Iranian Rial APT Platinum 0oL!1
IBD Ira.i Dinar PK Polish Kloty
IEP Irish Punt PTE Portugese Escudo
I* Israeli Ne2 *he4el ;BP Pound *terling
IT Italian ira B#R Batari Rial
JMD Jamaican Dollar RO Romanian eu
JP< Ja+anese <en RUB Russian Rouble
JOD Jordanian Dinar (*T *amoan Tala
I:R Iam+uchean 0Cambodian1 Riel *TD *ao Tome and Princi+e Dobra
IKT IaLa4hstan Tenge *#R *audi Riyal
IE* Ienyan *chilling AO- *enegalE C-# -ranc BCE#O
IR( Iorean (on *CR *eychelles Ru+ee
I(D Iu2aiti Dinar * *ierra eone eone
#I ao Ii+ A#; *il5er 0oL!1
@ at5ian ats *;D *inga+ore Dollar
BP ebanese Pound *II *lo5a4 Ioruna
* esotho oti *IT *lo5enian Tolar
RD iberian Dollar *BD *olomon Isl!Dollar
<D ibyan Dinar *O* *omali *chilling
T ithuanian itas K#R *outh #$rican Rand
U- uDembourg -ranc E*P *+anish Peseta
MOP Macau Pataca IR *ri an4a Ru+ee
M;- Malagasy -ranc *:P *t! :elena Pound
M(I Mala2i I2acha *DD *udanese Dinar
M<R Malaysian Ringgit *DP *udanese Pound
M@R Maldi5e Ru$iyaa *R; *uriname ;uilder
MT Maltese ira *K *2aLiland ilangeni
AO- MaliE C-# -ranc BCE#O *EI *2edish Irona
MRO Mauritanian Ouguiya C:- *2iss -ranc
MUR Mauritius Ru+ee *<P *yrian Pound
MAP MeDican Peso T(D Tai2an Dollar
MNT Mongolian Tugri4 TK* TanLanian *chilling
M#D Moroccan Dirham T:B Thai Baht
MKM MoLambi.ue Metical AO- TogoE C-# -ranc BCE#O
MMI Myanmar Iyat TOP Tongan PaManga
N; Netherlands ;uilder TTD Trinidad and Tobago Dollar
#N; Netherlands #ntillian ;uilder TND Tunisian Dinar
N#D Namibian Dollar TR Tur4ish ira
NPR Ne+alese Ru+ee U*D U* Dollar
NKD Ne2 Kealand Dollar U;* Uganda *chilling
Code De(0ription
Code
De(0ription
NIO Nicaraguan Cordoba Oro U#; U4raine :ry5nia
AO- NigerE C-# -ranc BCE#O U#I U4raine Iarbo5anets
N;N Nigerian Naira ;BP United Iingdom Pound
IP( North Iorean (on U<P Uruguayan Peso
NOI Nor2egian Ironer #ED United #rab Emirates Dirham
OMR Omani Riyal @U@ @anuatu @atu
PIR Pa4istan Ru+ee @EB @eneLuelan Boli5ar
APD Palladium 0oL!1 @ND @ietnamese Dong
P#B Panamanian Balboa <UN <ugosla5 Dinar
P;I Pa+ua Ne2 ;uinea Iina KMI Kambian I2acha
P<; Paraguay ;uarani K(D Kimbab2e Dollar