Know if you are in CIBIL’s list of defaulters or not
By Ankit Sharma
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CIBIL does not confer any entity/individual as defaulter. It only gives an idea about the actual credit status of the borrower. Whether an individual is to be considered a defaulter is entirely at the discretion of the concerned bank.

Borrowers can access a copy of Credit Information Report (CIR) by sending a demand draft of Rs 142/- to CIBIL along with the respective control number from the bank. The payment can also be made online. For more details, kindly refer to

The following documents are required in the process:

• CIR Request Form

• Identity Proof (PAN/Passport/Voter's ID)

• Address Proof ( Bank Statement/Electricity Bill/Telephone Bill)

In case bank refuses to provide control number, then a complaint can be filed on the website of the bank. In case the bank does not respond to the complaint within 15 days then the individual can lodge a complaint with the banking ombudsman along with a copy of the complaint filed at the bank's website as proof.

It is to be noted that a direct complaint to banking ombudsman without registering it with the bank will be considered as invalid and not be entertained.

In case a person has cleared his dues with the bank and the same has not been updated with CIBIL, the above mentioned process is to be followed by the person along with obtaining a no objection certificate (NOC) from the bank.


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(Comments Posted : 344) Post Your Comments
1. Sir, I had taken education loan in 2007 but due to marriage and lots of problem I could not pay the same.and I dont know when I will start paying same. What problems I Will face in future? My husband wants to take loan on my name and he will pay that will I get the new loan. Can I get the pan card??
ahilasha (Posted: Apr 21, 2015)
2. Sir, I have applied three times for credit card from ICICI but not processed.10Yrs Back I was the credit Card Holder of ICICI but due to transfer I could not pay the amount timely andit was settled . Dear sir I want to know is there any amount pending with me .
Gouri Shankar Mishra (Posted: Apr 18, 2015)
3. Just wanted know whether my name is in cibil report or not
Ishwarya. C (Posted: Apr 16, 2015)
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