Guide to TransUnion CIBIL

Commercial Bureau
- Input File Format

Version 3.6
Delimited Format
May 2022
Commercial Input File Format Version 3.6

Table of Contents
Revision Control …………………………………………………………………………….4
1. General Introduction ......................................................................................................... 6
2. Description of the File Layout............................................................................................ 7
3. Segment Description of the Commercial Input File Format .............................................. 9
4. Format Details – Input File Format.................................................................................. 11
4.1. Method for Input File Submission ......................................................................... 11
4.2. Formatting of the Input File Format...................................................................... 11
4.3. File Naming Convention ........................................................................................ 11
5. Input File Submission Process ......................................................................................... 13
6. Important Instructions to be followed while Creating the Data Input File ..................... 14
7. Commercial Credit Bureau File Format – Data Segments and Data Fields ..................... 16
7.1. Header Segment (HD) ........................................................................................... 16
7.2. Borrower Segment (BS) ......................................................................................... 18
7.3. Address Segment (AS) ........................................................................................... 21
7.4. Relationship Segment (RS) .................................................................................... 23
7.5. Credit Facility Segment (CR) .................................................................................. 27
7.6. Guarantor Segment (GS) ....................................................................................... 34
7.7. Security Segment (SS)............................................................................................ 38
7.8. Dishonour of Cheques Segment (CD) .................................................................... 39
7.9. File Closure Segment (TS) ...................................................................................... 40
8. Catalogues ....................................................................................................................... 41
8.1. Legal Constitution.................................................................................................. 41
8.2. Business Category ................................................................................................. 41
8.3. Business / Industry Type ....................................................................................... 41
8.4. Location Type ........................................................................................................ 42
8.5. State ...................................................................................................................... 42
8.6. Type of Relationship .............................................................................................. 43
8.7. Currency Code – ISO code 421 .............................................................................. 43
8.8. Credit Type ............................................................................................................ 46
8.9. Asset Classification/ Days Past Due ....................................................................... 48
8.10. Account Status....................................................................................................... 49
8.11. Suit Filed Status ..................................................................................................... 49
8.12. Transaction Type Code .......................................................................................... 50
8.13. Security Type ......................................................................................................... 50
8.14. Security Classification ............................................................................................ 50
8.15. Country Code/ Nationality .................................................................................... 51
8.16. Security Coverage .................................................................................................. 54
8.17. Guarantee Coverage.............................................................................................. 54
8.18. Repayment Frequency .......................................................................................... 54
8.19. Assessment Agency/Authority .............................................................................. 54
8.20. Reason for Dishonour............................................................................................ 55
9. Appendix A – Allowed and Disallowed Characters .......................................................... 56
10. Annexure A .................................................................................................................. 57
11. Annexure B

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Revision Control

Version Date Description

3.0 July 2012 Version 3.0 released
3.1 January 2016  7 New credit facility types added (LOAN AGAINST
SHARES/SECURITIES (9004), Health Finance (9005), Infrastructure
Finance (9006), Factoring (9007), Commercial Papers (9008), NCD
– Non Convertible Debentures (9009), Unhedged Foreign Currency
Exposure (9010), Payment Account (Point Of Sale & Payment
Gateways)(9011)
 Field name in Credit Facility segment changed from Asset
Classification to Asset Classification / Days Past Due
 Note added in Bank Remark Code” of Credit Facility Segment to
indicate “Joint” for Joint loans.
 New field added “Other_BK” for members to report data related
to Consortium lending
 Added new Asset Classification – SMA 0,1, 2 & Doubtful 1, 2, 3
under Asset Classification / Days Past Due catalogue
 Gender type for Transgender (Relationship segment & Guarantor
segment)
 Restructured Due to Natural Calamity
 Added in Major reasons for Restructuring 02-
Restructured due to Natural Calamity
 Added on Account status 09-Restructured due to
Natural Calamity under Account Status catalogue
3.2 Feb 2016  Added new Asset Classification – NPA Non Performing Assets
(0012)
 Unhedged Foreign Currency Exposure Amount (UFCE) & UFCE
Date added in Credit Facility Segment
3.2 Mar 2016 Description Change for the following fields
 Name of CP issuer - BS Segment - Field No. 4
Field Name: Borrower's Name"
 CP Amount - "CF Segment - Field No. 5
Field Name: Sanctioned Amount/ Notional Amount of Contract"
 Issue Date - "CF Segment - Field No. 4
Field Name: Facility / Loan Activation / Sanction Date"
 Maturity Date - "CF Segment - Field No. 13
Field Name: Loan Expiry / Maturity Date"
 Name of CRA - "BS Segment- Field No. 24
Field Name: Assessment Agency / Authority"
 Rating Agency - "BS Segment - Field No. 23
Field Name: Credit Rating"
 Amount of Default - "CF Segment - Field No. 17
Field Name: Amount Overdue / Limit Overdue"
3.3 Dec 2018  ARC Changes in Asset Classification, Credit Type & Account status
 ARC related validation included in Annexure B
3.4 June 2020  Seller Financing Credit Type added
 GECL Loan in Credit type
3.5 April 2021  ‘Major reasons for restructuring’ will have a new catalogue value,
viz., ‘Restructured due to COVID-19’

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Version Date Description

3.6 May 2022  Under 7.2 Borrower Segment removed catalogue value 99 Not
Classified for field no. 13 Borrower’s Legal Constitution. Refer to
catalogue master 8.1 Legal Constitution
 Under 7.2 Borrower Segment, changed field no. 27 from filler to
“when available” field “CKYC”.
 Under 7.2 Borrower Segment, changed field no. 12 ”Other ID” to
“Udyam Registration Number”.
 Under 7.3 Address Segment added catalogue value - 06 Mortgage
Property Address for field no. 2 Borrower Office Location type.
Refer to catalogue master 8.4 Location Type.
 Segment 7.4 Relationship Segment is mandatory
o Field no. 10 Gender changed from ‘when available’ to
‘required conditionally’ for RS Field ID #3 Related Type 2
(Resident Indian Individual) or 4 (Foreign/Non-Resident
Indian Individual)
o Field no. 13 Date of Birth changed from ‘when available’ to
‘required conditionally’ for RS Field ID #3 Related Type 2
(Resident Indian Individual) or 4 (Foreign/Non-Resident
Indian Individual)
o Field no. 14 PAN changed from ‘when available’ to ‘required
conditionally’. Required to be reported for RS Field ID #3
Related Type = 1 (Business Entity Registered in India) OR RS
Field ID #3 Related Type 2 (Resident Indian Individual) and
none of the other IDs mentioned in Field Nos. 15,16,17,18,19
is provided.
o Field no. 15 Voter ID changed from ‘when available’ to
‘required conditionally’ for RS Field ID #3 Related Type 2
(Resident Indian Individual) and none of the other IDs
mentioned in Field Nos. 14,16,17,18,19 is provided.
o Field no. 16 Passport Number changed from ‘when available’
to ‘required conditionally’ for RS Field ID #3 Related Type 2
(Resident Indian Individual) or 4 (Foreign/Non-Resident
Indian Individual) and none of the other IDs mentioned in
Field Nos. 14,15,17,18,19 is provided.
o Field no. 17 Driving License ID changed from ‘when available’
to ‘required conditionally’ for RS Field ID #3 Related Type 2
(Resident Indian Individual) or 4 (Foreign/Non-Resident
Indian Individual) and none of the other IDs mentioned in
Field Nos. 14,15,16,18,19 is provided.
o Field no. 18 UID changed from ‘when available’ to ‘required
conditionally’ for RS Field ID #3 Related Type 2 (Resident
Indian Individual) and none of the other IDs mentioned in
Field Nos. 14,15,16,17,19 is provided.
o Field no. 19 Ration Card No. changed from ‘when available’
to ‘required conditionally’ for RS Field ID #3 Related Type 2
(Resident Indian Individual) and none of the other IDs
mentioned in Field Nos. 14,15,16,17,18 is provided.
o Field no. 31 State/Union Territory changed from ‘when
available’ to ‘required conditionally’ for RS Field ID #3
Related Type 2 (Resident Indian Individual) and Related Type
= 1 (Business Entity Registered in India)

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Version Date Description

o Field no. 32 PIN Code changed from ‘when available’ to
‘required conditionally’ for RS Field ID #3 Related Type 2
(Resident Indian Individual) and Related Type = 1 (Business
Entity Registered in India)
 Under 7.4 Relationship Segment added catalogue value 70 Karta
(HUF) for field no. 4 Relationship. Refer catalogue master 8.6 Type
of Relationship.
 Under 7.4 Relationship Segment, changed field no. 24 “Other ID”
to “when available” “CKYC”.
 Under 7.4 Relationship Segment, changed field no. 39 from filler
field to “when available” for Udyam Registration Number if RS field
no.3 is Related Type 2 (Resident Indian Individual) or Related Type
= 1 (Business Entity Registered in India).
 Under 7.5 Credit Facility Segment added Catalogue value - 12 -
Restructured & Closed for field no. 26 Account status. Refer to
catalogue master 8.10 Account Status.
 Under 7.5 Credit Facility Segment removed Catalogue values
Special Mention Accounts (0005), Doubtful (0003) for field no. 15
Asset Classification / Days Past Due (DPD). Refer to catalogue
master 8.9 Asset Classification / Days Past Due.
 Under 7.5 Credit Facility Segment added Catalogue value Mudra
Term Loan (9022), Mudra Working Capital (9023), Temporary
Overdraft (9024) for field no. 7 Credit Type. Refer to catalogue
master 8.8 Credit Type.
 Under 7.5 Credit Facility Segment, field no. 4 Facility/Loan
Activation/Sanction Date changed from “When Available” to
“Required”.
 Under 7.6 Guarantor Segment, field no. 37 changed from filler field
to “when available” Guarantee Invocation Date field.
 Under 7.6 Guarantor Segment, field no. 23 changed from “Other
ID” to “CKYC”.
 Under 7.6 Guarantor Segment, added field no. 38 as “when
available” for Udyam Registration Number if GS field no.3 is
Guarantor Type 2 (Resident Indian Individual) or Guarantor Type =
1 (Business Entity Registered in India).


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Commercial Input File Format Version 3.6

1. General Introduction
This Guide is for TransUnion CIBIL and its Members only. It must not be modified, copied,
reproduced or used in part or whole for any purpose, other than specified.
This Guide describes how Members should report corporate credit related information to
TransUnion CIBIL. This format should be used for submitting data on all credit facilities in the
names of non-individuals only and not for those accounts in the names of individuals. All
borrowings in the name of non-individuals, regardless of purpose, should be included in this
format. For e.g., a loan to Peter Parker & Co. for the purpose of acquiring a commercial
vehicle, for business purpose is to be reported in this format. However, if the same loan
were to be in the name of Mr. Peter Parker, the same will not be reported as a Commercial
Credit Facility.
TransUnion CIBIL will accept data from Members, only in the form of electronic data files
hereafter called as “Data Input Files”.
Members should read this document carefully before using the Commercial Input File
Format for the extraction and delivery of data.
The designated personnel from the Systems/ Information Technology Department of the
Members must refer to this document in order to develop their data extraction program(s)
internally or while using a third party utility.
This document assumes that the reader is familiar with the basic concepts and terms related
to credit, data and systems.

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Commercial Input File Format Version 3.6

2. Description of the File Layout

The Data Input File has the following hierarchy:
 Field: Refers to a data element
 Segment: Refers to a collection of related fields – for e.g., an instance of a Credit Facility
Segment
 Structure: Refers to an instance of a Credit Facility Segment and all associated Sub-
segments (including Subject and Relationship segment(s), Security segment(s) and
Guarantor segment(s))
The Data Input File layout has the description of the segments that make up the Commercial
Input File Format and describes the fields that are contained in each segment. The column
headings are consistent throughout the document. The layout and the meaning of column
headings are described below:
 No.: Sequence number assigned to each field in the segment.
 Field Name: The name assigned to each data element requested in the Data Input File.
 Field Option:
 Required: Indicates that the data element for the relevant Field Name is to be
compulsorily furnished. Non-submission of a ‘Required’ data element shall render
the Data Input File or the Segment or the Structure defective. This may cause
rejection of the Data Input File or the Segment or the Structure based on the
assigned severity level
 Required Conditionally: Indicates that the data element for the relevant Field Name
is to be compulsorily furnished based on some condition given in the remarks
column. For Example “Business Entity Name” in the “Relationship Segment” is a
“Required Conditional” field and is required only when the “Related Type” field in
the “Relationship Segment” is reported as “1= Business Entity Registered in India” or
“3= Business Entity Registered Outside India”. Non-submission of a ‘Required
Conditionally’ data element shall render the Data Input File or the Segment or the
Structure defective. This may cause rejection of the Data Input File or the Segment
or the Structure based on the assigned severity level
 When Available: Indicates that the data element is not mandatory. However, it shall
be submitted wherever information is available with the Member Branch. Some of
the ‘When Available’ information is considered desirable since it is used as
secondary filters in ‘Search and Access’ process and ‘Matching’ process of the
TransUnion CIBIL system. In case the information on ‘When Available’ fields is not
available, Members are encouraged to capture the same for the new accounts and
update the existing accounts in their database
 See Description: Indicates that Member should refer to the Description column for
more instructions. Information shall be furnished in a prescribed manner if certain
conditions are met. For example “Borrower D-U-N-S Number” shall be 999999999 if
the Member is not aware of a valid D-U-N-S Number assigned to a Borrower by
TransUnion CIBIL.
For all the fields, the Member should refer to the Description column for more
instructions. For self-explanatory fields, the description would be left blank. Information
shall be furnished in a prescribed manner if certain conditions are met. For example

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“Borrower D-U-N-S Number” shall be 999999999 if the Member is not aware of a valid
D-U-N-S Number assigned to a Borrower by TransUnion CIBIL
 Field Type: Identifies the data type of each field. These are:
 Text: fields shall be in capital letters and can contain alpha, numeric, print or
alphanumeric characters. (Any printable characters can be used in this type of field
i.e. ASCII).
 Numeric: Only whole numbers (without separators and without decimals i.e. all
decimals to be rounded to the nearest whole number) will be accepted
 Date: All dates should be in DDMMYYYY format. For e.g. 1st July 2007 should be
denoted as 01072007
 Time: All time should be in HHMMSS format
 Field Length: Indicates the permitted field length applicable for the value of a given Field
Name
 Description: Contains the instructions to be followed with respect to a Field Name.

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3. Segment Description of the Commercial Input

File Format
Table 1 below describes the various Segments that make up the entire Data Input File.
Segment Maximum Number of
Segment Name Segment Option
Identifier Entries
HD Header Required 1 per File
BS Borrower Required n per File
AS Address Required n per Borrower
RS Relationship Required n per Borrower
CR Credit Facility Required n per Borrower
GS Guarantor When Available n per Credit Facility
SS Security When Available n per Credit Facility
CD Dishonour of Cheques When Available n per Credit Facility
TS File Closure Required 1 per File

Header Segment (HD): Is a Required Segment and contains the general information about
the Data Input File provided by the Member Branch. It occurs only in the BEGINNING of the
Data Input File. It should appear only ONCE in the Data Input File and it will precede the
other Segments.
Borrower Segment (BS): Is a Required Segment and contains general data (identification and
location data) for each Borrower. The BS Segment can appear several times in the input file,
depending on the number of Borrowers, but without repeating the same Borrower per
Branch Code.
Address Segment (AS): Is a Required Segment and sub segment of Borrower segment. This
segment contains information on Registered, Communication, Warehouse, and Branch
addresses related to the Borrower (BS). The AS Segment can appear several times for the
same Borrower (BS).
Relationship Segment (RS): Is a Required Segment and a sub segment of the Borrower
Segment. This Segment contains information on Proprietors, Partners, Holding Companies,
Subsidiary Companies and Associated Companies related to the Borrower. It can appear
multiple times for a Borrower Segment without repeating the same Relationship for a
Subject. Member Branch can report two addresses of the Relationship.
Credit Facility Segment (CR): Is a Required Segment and contains information on Credit
Facility provided to the Borrower. It should appear at least once in the Data Input File but
can appear multiple times for each Borrower in the file depending on the number of Credit
Facilities, but without repeating the same Credit Facility per Credit Facility Number per
Member Branch’s branch.
Guarantor Segment (GS): Is a When Available Segment and a sub segment of the Credit
Facility Segment. It contains general information of the guarantor(s), if any, for each Credit

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Commercial Input File Format Version 3.6

Facility and can appear multiple times per Credit Facility. Member Branch can report two
addresses of the Guarantor in this Segment.
Security Segment (SS): Is a When Available Segment and a sub segment of the Credit Facility
Segment. It contains details of collateral security provided by the Subject for availing the
Credit Facility and can appear multiple times per Credit Facility.
Cheque Dishonour Segment (CD): Is a When Available Segment and a sub segment of the
Credit Facility Segment. It contains information on cheques dishonoured if any, by a Subject
related to a Credit Facility and can appear multiple times per Credit Facility.
File Closure Segment (TS): Is a Required Segment and contains summary of the number of
Credit Facility Segments reported in the Data Input File. It occurs only in the END of the Data
Input File. It should appear only ONCE in the Data Input File and will be the FINAL segment in
the Data Input File.

Header
1

n
Borrower

n
Address

n
Relationship

n
Credit Facility

n Guarantor

n Security

n
Dishonour of Cheques

Trailer 1 Indicates Single occurrence of a Segment .

1
n - .
Indicates Multiple occurrences of a Segment

Legend

Required When Available

When Available

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Commercial Input File Format Version 3.6

4. Format Details – Input File Format

4.1. Method for Input File Submission
Data Providers should submit Input Files only in electronic format. CIBIL will not accept data
submission by data providers in hard copies (such as printouts, faxes etc.).
Data Providers can submit their Input File Format using either FTP or manually deliver it to
TransUnion CIBIL using external media.
Electronic FTP (File Transfer Protocol)
Manual CD (Compact Disc)

4.2. Formatting of the Input File Format

In the Input File Format, every row corresponds to a Segment and the length of each
Segment/ Field can vary. Every instance of a Segment (for e.g. the Borrower Segment details
of a borrower) in the Input File should end with a carriage return and line feed [\r\n].
Input File can be reported in either the Fixed Length format or the Delimited format;
delimited being the preferable and recommended format owing to the ease of preparation
and processing files in this format.
Please refer to the document “TransUnion CIBIL - Commercial IFF - V3 – Fixed Length
Format (June2011).doc” for information on how to report data in Fixed Length format
In the Delimited format a predefined character delimiter separates the Fields. ‘|’ will be
used as the delimiter.
When data is not available for a Field, it should be left blank and the delimiter should occur
to indicate a null value. In such a case the Input File will contain two consecutive delimiters
as in the following example:
RS|999999999|2||60||MRS|ANU SACHDEVA||B606,I|||DELHI||DELHI|110048|INDIA|4143143|

4.3. File Naming Convention

The Input File must always conform to the following naming convention and have a unique
file name.
<Member ID>-< Date of file creation & certification in DDMMYYYY format>-<File creation
time in HHMMSS format>-<IFF Type ID>.tap
Example – Input file name will be 0000000062-07052011-174052-01.tap for a file created &
certified by Member 0000000062, Created & Certified as on 07052011 (7th May 2010) and
Creation time being 174052 (HH 17 MM 40 SS 52)
 Following are the Input File Format Type ID
 01-Commercial IFF
 02-Cheque Dishonour IFF

 A Member can submit only its own data directly to TRANSUNION CIBIL or a Member
Branch can submit data of multiple Branches that may be attached to it.
If a Member submits data of multiple Branches following special instructions should be
followed:
Consider an example where a Member is submitting data for following Branches for
following periods:

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Commercial Input File Format Version 3.6

Branch 1 Period 30th June 2002

Branch 2 Period 30th June 2002
Branch 3 Period 31st May 2002
Branch 4 Period 30th June 2002
The Member that submits data to TransUnion CIBIL can:
 Create 4 separate input files corresponding to each Branch respectively in which
case instructions 2 and 3 below are redundant.
 If the Member wishes to merge the data of multiple Branches and submit the same
to TRANSUNION CIBIL, then data for the Branches reporting for the same period
should be grouped together. Branch 1, Branch 2 and Branch 4 data should be
grouped together in an input file since they all have the same reporting period,
which shall be reported in HD (Header Segment).
 A separate input file should be created for Branch 3 data.

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5. Input File Submission Process

Input files can be sent to TransUnion CIBIL in any of the following media:
Supported Operating
No. Media type Supported Types Supported Backups
Systems
1. CD ROM All Windows Operating Not applicable
Systems
2. DLT 20/40 and 40/80 GB Windows NT and Windows NT and
Windows 2000 Windows 2000 native
backup.
Backups through
Veritas Unix/ NT Client.
DAT 12/24 GB Windows NT and Windows NT and
Windows 2000 Windows 2000 native
3. backup
 Input files sent by CD ROM, DLT and DAT should be accompanied by a covering letter
stating the following details of the input file/files and should be signed by an Authorized
Signatory. Refer Annexure A on page 57:
1. Member ID
2. Member Name
3. Member Address
4. For each input file in the media following information should be provided:
a. Input file name and Reporting Period
b. Date of Input file creation
c. Number of Borrower Segments in the input file
d. Number of Credit Facility Segments in the input file
 Input files can also be sent to TransUnion CIBIL by FTP. TransUnion CIBIL will provide
1. FTP address and FTP user ID and password at the time of Member
registration.
The input files:
1. Should be compressed
2. Should be encrypted
3. Should not contain viruses and
4. Should be password protected
 Only computer readable input files will be accepted. Hardcopy or printed form data will
not be accepted.
Please note that input files which do not conform to the above media and/or the above
conditions will not be accepted by TransUnion CIBIL.

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Commercial Input File Format Version 3.6

6. Important Instructions to be followed while

Creating the Data Input File
The following instructions shall be observed strictly and are crucial to properly format data.
 Data Input File should not contain Control Characters such as ~, ^ etc. as this leads to
rejection of the entire file
 Each and every segment should end with a carriage return and line feed [\r\n]
 Certain fields must have specific values cited in the Catalogues included in this
document
 All Date fields must have a valid calendar date and must be in DDMMYYYY format. For
e.g., the date 30th August, 1974 must be reported as 30081974
 All Time fields must have a valid time and must be in HHMMSS format
 File naming convention should be <Member ID>-< Date of file creation & certification in
DDMMYYYY format>-<File creation time in HHMMSS format>-<IFF Type ID>.tap.
Example – Input file name will be 0000000062-07052011-174052-01.tap for a file
created & certified by Member 0000000062, Created & Certified as on 07052011 (7th
May 2011) and Creation time being 174052 (HH 17 MM 40 SS 52) IFF type id 01
signifying Commercial.
 Monetary amounts must be expressed in whole numbers (no decimals and without
separators). All the fields except the Account Balance / Limit Utilized /Mark to Market
field (Credit Facility Segment (CR)) must be reported as positive. The Account Balance /
Limit Utilized /Mark to Market field can have negative value, when a loan/ credit facility
is in credit balance. Negative values must be prefixed with a minus symbol at the starting
position of the field
 In case of multiple loans availed by the Borrower from the same Member Branch, then
the information on such loans must be reported SEPARATELY as multiple Credit Facility
structures
 If in the Description column, the legend Reserved for future use is displayed, then the
corresponding field must be reported blank
 Annexure A should be provided along with Data Input File when submitted by the
Member Branch to TransUnion CIBIL for a CD based submission. In the interest of
security, TransUnion CIBIL will process only those Data Input Files that are accompanied
with Annexure A included in this document
 Segments can appear only in the following sequences:

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Commercial Input File Format Version 3.6

Table 2
Immediate following
Segment Identifier Is a Sub Segment of
Segment
HD - BS
BS HD AS
AS BS AS/RS
RS BS RS/CR
CR BS CR/ GS/ SS/ CD/ BS/ TS
GS CR GS/ SS/CD / CR/ BS/ TS
SS CR SS/ CD/ CR/ BS/ TS
CD CR CD/ CR/ BS/ TS
TS - -

 The system will reject the field(s), segment(s) or structure(s) or the entire file in case of:
 If the date fields are not in DDMMYYYY format.
 If the Required segments are not present in the input file. For example: if there is no
Credit Facility Segment present in the Input File for a Borrower.
 If the Required fields do not contain data.
 If each and every segment in the input file does not end with carriage return and line
feed [\r\n]
 If the number of Borrower Segments reported in “Number of Borrower Segments”
and/or number of Credit Facility Segments reported in “Number of Credit Facility
Segments” fields in the File Closure Segment are not equal to the actual number of
Borrower Segments and/or actual number of Credit Facility Segments in the input
file.
 If the Date reported in Header segment’s “Date of Creation & Certification of Input
File” is lesser than the “Reporting/Cycle Date”

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Commercial Input File Format Version 3.6

7. Commercial Credit Bureau File Format – Data

Segments and Data Fields
7.1. Header Segment (HD)
 Is a Required segment
 Contains the general information about the Data Input File provided by the Member
Branch
 It should appear only ONCE in the Data Input File
 Occurs only in the BEGINNING of the Data Input File
 It will precede the other Segments
Maximum
Field
No Field Name Field Option Character Description
Type
Length
1. Segment Required Text 2 Must contain the value HD
Identifier

2. Member ID Required Text 10 Must contain the Identification

Number assigned by BUREAU to the
Member.
If the Member ID changes and the new
Member ID is being reported for the
first time, complete this field with the
new Member ID.
3. Previous Required Text 10 To be used in the immediate
Member ID Conditionally submission, following a merger or
acquisition between 2 existing
Members. Previous Member ID may
have to be obtained from TransUnion
CIBIL
4. Date of Creation Required Date 8 Date when the Data Input File was
& Certification created/ extracted/ generated &
of Input File certified from the Member Branch’s
system.
Must be valid calendar date and in
DDMMYYYY format.

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Maximum
Field
No Field Name Field Option Character Description
Type
Length
5. Reporting / Required Date 8 Date up to which information is
Cycle Date reported. This is not the date on which
the Data Input File was created nor the
date of extraction.
Must be a valid calendar date and in
DDMMYYYY format.
E.g. ABC Bank reports data as on
March 31, 2006, extracts the Data
Input File on April 05, 2006 and
submits the data to TransUnion CIBIL
on April 12, 2006. In this case, the
reporting date will be 31032006.
6. Information Required Text 2 It should contain 01
Type
7. Filler When Text 225 Reserved for future use. This field is to
Available be left blank

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7.2. Borrower Segment (BS)

 Is a Required segment
 Contains information on the Borrower
 It should appear only once per each borrower reported
 It can appear multiple times per the Data Input File without repeating the same
Borrower per Branch ID
Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
1. Segment Identifier Required Text 2 It must be BS.
2. Member Branch Required Text 15 Identification code of the
Code member’s branch where the credit
facility has been granted.
If the Member Branch code
changes and the new Member
Branch code is being reported for
the first time, complete this field
with the new Member Branch
code.
Provide the old Member Branch
code in the Previous Member
Branch code.
3. Previous Member Required Text 15 Must contain the previous
Branch Code Conditionally Identification code of the
member’s branch where the credit
facility had been granted.
The Previous Identification
Number should be provided in the
immediate submission following a
change in Member Branch Code
due to merger or acquisition or any
other reason.
Hence, post a merger or
acquisition or any such reason
prompting a change in the
Member Branch Code, the
Previous Member Branch Code
becomes a Required field in the
submission immediately following
such a change.
4. Borrower’s Name Required Text 125 Legal Business Name of Borrower.
In case of Commercial Paper
“Name of the CP Issuer”

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
5. Borrower Short When Text 20 Borrower‘s Short Name
Name Available
6. Company When Text 30 Company Registration Number
Registration Number Available issued by Registrar of Companies
7. Date of When Date 8 The date on which the Business is
Incorporation Available Registered / Incorporated
8. PAN When Text 15 Permanent Account Number
Available issued by Income Tax Authority
9. CIN When Text 30 Corporate Identification Number
Available
10. TIN When Text 30 Tax Identification Number for Non-
Available Individuals issued by Income Tax
Authority
11. Service Tax # When Text 30 Service Tax Registration Number
Available issued by Central Excise Authority
12. Udyam Registration When Text 30 Udyam Registration Number issued
Number Available by Ministry of MSME
Alphanumeric: UDYAM-XX-XX-
XXXXXXX (with hyphen),
UDYAMXXXXXXXXXXX (without
Hyphen)
XXXXXXXXXXX (without UDYAM as
static value)
13. Borrower’s Legal Required Text 2 Refer to Legal Constitution
Constitution catalogue on page 41 for a list of
valid values.
14. Business Category Required Text 2 Refer to Business Category
catalogue on page 41 for a list of
valid values.
15. Business/ Industry Required Text 2 Refer to Business / Industry Type
Type catalogue on page 41 for a list of
valid values.

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
16. Class of Activity 1 Required Text 5 Classification of
Conditionally Activity/Occupation as per Reserve
Bank of India, Handbook of
Instructions, Basic Statistical
Returns 1 and 2, Latest Edition
Class of Activity is to be
mandatorily reported for Individual
borrowers.
17. Class of Activity 2 When Text 5 Classification of
Available Activity/Occupation as per Reserve
Bank of India, Handbook of
Instructions, Basic Statistical
Returns 1 and 2, Latest Edition
18. Class of Activity 3 When Text 5 Classification of
Available Activity/Occupation as per Reserve
Bank of India, Handbook of
Instructions, Basic Statistical
Returns 1 and 2, Latest Edition
19. SIC Code When Text 20 Standard Industrial Classification
Available code to specify which industry the
company belongs to
20. Sales Figure When Numeric 20 Sales Figure as of Previous
Available Financial year (year before the
current running financial year) is to
be reported.

21. Financial Year When Date 8 Financial year for which Sales
Available information is provided
22. Number of When Numeric 8 This includes the count of
Employees Available permanent employees
23. Credit Rating When Text 10 Credit Rate or Score issued by
Available recognized Assessment agencies or
Authorities.
In case of Commercial Paper,
“Rating Agency” to be reported.

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
24. Assessment Agency / Required Text 2 Report this field when Borrower
Authority Conditionally Level Rating is reported. Refer to
8.19 Assessment
Agency/Authority on page 54 for a
valid list of catalogue values
In case of Commercial Papers, “
Name of CRA” to be reported
25. Credit Rating As On When Date 8 Date Credit Rating was issued
Available
26. Credit Rating Expiry When Date 8 Date until which the Credit Rating
Date Available is Valid
27. CKYC When Text 41 14 digit Central KYC (CKYC)
Available managed by Central Registry of
Securitization and Asset
Reconstruction and Security
Interest in India (CERSAI)
Cannot start with 0, Cannot have
repetitive numbers in all digits

7.3. Address Segment (AS)

 Is a Required Segment
 This is a sub segment of the Borrower Segment
 It should appear at least once per Borrower
 It can appear multiple times per Borrower
Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
1. Segment Identifier Required Text 2 It must be AS.
2. Borrower Office Required Text 2 Refer to Location Type catalogue
Location Type on page 42 for a list of valid values.
Registered Address is Mandatory.
3. Borrower Office See Text 13 Report D-U-N-S Number assigned
DUNS Number Description specifically for the Registered Office
of the Borrower.
If D-U-N-S Number has not been
assigned, return 999999999
4. Address Line 1 Required Text 200

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
5. Address Line 2 When Text 200 The address is to be parsed logically
Available under the fields Address Line1,
Address Line2, Address Line3,
6. Address Line 3 When Text 200
City/Town, District, State/ Union
Available
Territory. If this is not possible, the
entire address should appear in
Address Line1. Do not truncate. Use
comma separated values. Do not
split whole words. If insufficient,
please use Address Line 2 and
Address Line 3
7. City/Town When Text 40
Available
8. District When Text 40
Available
9. State/Union When Text 2 Refer to State catalogue on page 42
Territory Available for a list of valid values.
10. Pin Code When Text 6
Available
11. Country When Text 3 Report default Value 079 (India).
Available
12. Mobile Number(s) When Text 55 Use comma separators for multiple
Available numbers
13. Telephone Area When Text 6
Code Available
14. Telephone When Text 55 Use comma separators for multiple
Number(s) Available numbers
15. Fax Area Code When Text 6
Available
16. Fax Number(s) When Text 55 Use comma separators for multiple
Available numbers
17. Filler When Text 31 Reserved for future use. This field is
Available to be left blank.

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7.4. Relationship Segment (RS)

 Is a Mandatory Segment
 This is a sub segment of the Borrower Segment
 Contains information on Directors, Share Holders, Proprietors, Partners, Trustees,
Holding Companies, Subsidiary Companies and Associated Companies related to the
Subject
 It can appear multiple times for a Borrower
Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
1. Segment Identifier Required Text 2 It must be RS.
2. Relationship DUNS See Text 13 Report D-U-N-S Number assigned
Number Description specifically for the Registered Office
of the Related Entity.
If D-U-N-S Number has not been
assigned, return 999999999
3. Related Type Required Text 1 1= Business Entity Registered in
India
2=Resident Indian Individual
3= Business Entity Registered
Outside India
4= Foreign/Non-Resident Indian
Individual
4. Relationship Required Text 2 Refer to Type of Relationship
catalogue on page 43 for a list of
valid values.
5. Business Entity Required Text 125 Required if RS Field ID # 3 =1 or 3
Name Conditionally
6. Business Category Required Text 2 Required if RS Field ID # 3 =1 or 3
Conditionally Refer to Business Category
catalogue on page 41 for a list of
valid values.
7. Business / Industry Required Text 2 Required if RS Field ID # 3 = 1 or 3
Type Conditionally Refer to Business / Industry Type
catalogue on page 41 for a list of
valid values.
8. Individual Name When Text 15 Mr, Ms, Mrs, Dr, etc., Only when RS
Prefix Available Field ID # 3 = 2 or 4
9. Full Name Required Text 150 Required if RS Field ID # 3 =2 or 4
Conditionally

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
10. Gender Required Text 2 Required if RS Field ID # 3
Conditionally =2 or 4
01 Male; 02 Female;
03 Transgender
11. Company When Text 30 Report only when RS Field ID # 3 = 1
Registration Number Available or 3.
Company Registration Number
issued by Registrar of Companies
12. Date of When Date 8 Report only when RS Field ID # 3 = 1
Incorporation Available or 3.
The date on which the Business is
Registered / Incorporated
13. Date of Birth Required Date 8 Report if RS Field ID # 3 = 2 or 4
Conditionally
14. PAN Required Text 10 Permanent Account Number issued
Conditionally by Income Tax Authority
RS Field ID #3 Related Type = 1
(Business Entity Registered in India)
OR RS Field ID #3 Related Type 2
(Resident Indian Individual) and
none of the other IDs mentioned in
Field Nos. 15,16,17,18,19 is
provided
15. Voter ID Required Text 30 Issued by Election Commission of
Conditionally India
Required if RS Field ID #3 Related
Type 2 (Resident Indian Individual)
and none of the other IDs
mentioned in Field Nos.
14,16,17,18,19 is provided
16. Passport Number Required Text 30 Required if RS Field ID#3= 2 or 4
Conditionally and none of fields 14,15,17,18,19 is
provided
17. Driving Licence ID Required Text 30 Required if RS Field ID#3= 2 or 4
Conditionally and none of fields 14,15,16,18,19 is
provided
18. UID Required Text 30 Issued by Government of India
Conditionally Required if RS Field ID #3 Related
Type 2 (Resident Indian Individual)
and none of the other IDs

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
mentioned in Field Nos.
14,15,16,17,19 is provided
19. Ration Card No Required Text 30 Required if RS Field ID #3 Related
Conditionally Type 2 (Resident Indian Individual)
and none of the other IDs
mentioned in Field Nos.
14,15,16,17,18 is provided
20. CIN When Text 30 Corporate Identification Number
Available
21. DIN When Text 12 Director Identification Number
Available issued by Ministry of Company
Affairs.
Only when RS Field ID # 3 = 2 or 4
22. TIN When Text 30 Tax Identification Number for Non-
Available Individuals issued by Income Tax
Authority
23. Service Tax # When Text 30 Service Tax Registration Number
Available issued by Central Excise Authority
24. CKYC When Text 30 14 digit Central KYC (CKYC)
Available managed by Central Registry of
Securitization and Asset
Reconstruction and Security
Interest in India (CERSAI)
Cannot start with 0, Cannot have
repetitive numbers in all digits
25. Percentage of When Text 6 Percentage of shares owned by
Control Available Borrower in Related Business Entity
or Percentage of shares owned by
Related Person/ Business Entity in
the Borrower, as the case may be.
Example: submit 9999 for 99.99%
or 10000 for 100.00%
26. Address Line 1 Required Text 200 The address is to be parsed logically
under the fields Address Line1,
27. Address Line 2 When Text 200
Address Line2, Address Line3,
Available
City/Town, District, State/ Union
28. Address Line 3 When Text 200 Territory. If this is not possible, the
Available entire address should appear in
Address Line1. In such case report
City/Town Name appropriately,
without truncating or splitting into

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
the next field. Do not truncate. Use
comma separated values. Do not
split whole words. If insufficient
please use Address Line2 and
Address Line 3
29. City/Town When Text 40
Available
30. District When Text 40
Available
31. State/Union Required Text 2 Report for 1= Business Entity
Territory Conditionally Registered in India
2=Resident Indian Individual
Refer to State catalogue on page 42
for a list of valid values.
32. PIN Code Required Text 6 Report for 1= Business Entity
Conditionally Registered in India
2=Resident Indian Individual
33. Country When Text 3 Report default Value 079 (India) for
Available 1 – Business Entity Registered in
India, 2 – Resident Indian Individual.
Refer to Country Code/ Nationality
catalogue on page 51 for a list of
valid values.
34. Mobile Number(s) When Text 55 Use comma separators for multiple
Available numbers
35. Telephone When Text 55 Use comma separators for multiple
Number(s) Available numbers
36. Telephone Area When Text 6
Code Available
37. Fax Number(s) When Text 55 Use comma separators for multiple
Available numbers
38. Fax Area Code When Text 6
Available
39. Udyam Registration When Text 46 Udyam Registration Number issued
Number Available by Ministry of MSME. Report if RS
field no.3 is Related Type 2
(Resident Indian Individual) or
Related Type = 1 (Business Entity
Registered in India)

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
Alphanumeric: UDYAM-XX-XX-
XXXXXXX (with hyphen),
UDYAMXXXXXXXXXXX (without
Hyphen)
XXXXXXXXXXX (without UDYAM as
static value)

7.5. Credit Facility Segment (CR)

 Is a Required Segment
 This is a sub segment of the Borrower Segment
 It must appear at least once per Borrower
 It can appear multiple times per Borrower
Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
1. Segment Identifier Required Text 2 It must be CR
2. Account Number Required Text 25 Account Number assigned by the
Member to the Borrower.
Note: In case CR Field ID # 7 = 0200
(Overdraft) provide overall facility
number and NOT the individual
drawdown number.
3. Previous Account When Text 25 Previous Credit Facility Number
Number Available where Credit Facility Number is
reassigned/changed
4. Facility / Loan Required Date 8 Date on which the Credit Facility
Activation / Sanction was first activated by the Member.
Date In case of Renewal, report the
renewal date in CF Field ID # 14
In case of Commercial Paper the
‘Issue Date’ is to be given.
5. Sanctioned Amount/ Required Numeric 20 Sanctioned/ Approved amount of
Notional Amount of loan/credit as at the end of
Contract reporting period. In case of
Derivative, the Notional Amount of
the contract has to be given.
In case of Commercial Paper, the
amount of CP to be given.

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
Note: This amount must be positive
and specified in the base currency
(Currency reported in Currency
Code field) in which the Credit
Facility was granted
6. Currency Code Required Text 3 Refer to “Currency Code – ISO code
421” catalogue on page 43 for a list
of valid values.
Note: The Currency mentioned in
this field is linked only to the
Sanctioned Amount / Notional
Amount of Contract
7. Credit Type Required Text 4 Refer to Credit Type catalogue on
page 46 for a list of valid values.
8. Tenure / Weighted When Numeric 3 Number of months the Credit
Average maturity Available facility is extended / Weighted
period of Contracts Average maturity period of
Contracts for Derivatives only. If the
number of Months exceeds 999,
report 999.
9. Repayment Required Text 2 Refer to Repayment Frequency
Frequency catalogue on Page 54 for the list of
valid values
10. Drawing Power Required Numeric 20 Drawing Power as computed by the
Member
11. Current Balance / Required Numeric 20 In case of credit balance, please
Limit Utilized /Mark prefix negative sign. In case of
to Market Derivative, Mark to Market has to
be reported.
Note: This field must have the
current balance in INR - Indian
Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
12. Notional Amount of When Numeric 20 Report Notional Amount of Out-
Out-standing Available standing Contracts which has been
Restructured restructured. This field is applicable
Contracts for Derivatives only.

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
Note: This amount must be positive
and must contain the notional
amount in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
13. Loan Expiry / When Date 8 Expected date of Maturity of the
Maturity Date Available loan. Should be reported for all the
facilities except revolving facilities
without expiry date.
In case of Commercial Papers, the
“Maturity Date: is to be given.
14. Loan Renewal Date When Date 8 Expected date of Renewal of the
Available loan. To be reported for all
revolving credit facilities.
15. Asset Required Text 4 Refer to Asset Classification
Classification/Days catalogue on page 48 for a list of
Past Due (DPD) valid values.
16. Asset Classification When Date 8 Should be the first effective date
Date Available when the account moved to other
than “Standard” for the first time.

17. Amount Overdue / Required Numeric 20 The amount that has been overdue
Limit Overdue in the account. If no overdue
amount then "0" needs to be
populated
Note: This amount must be positive
and must contain the amount
overdue in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
In case of Commercial Papers,
“Amount of Default” to be given.
18. Overdue Bucket 01 When Numeric 20 Report the Amount Overdue
( 1 – 30 days) Available between 1 – 30 days
Note: This amount must be positive
and must contain the amount
overdue in INR - Indian Rupees.

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
19. Overdue Bucket 02 When Numeric 20 Report the Amount Overdue
( 31 – 60 days) Available between 31 – 60 days
Note: This amount must be positive
and must contain the amount
overdue in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
20. Overdue Bucket 03 When Numeric 20 Report the Amount Overdue
Available between 61 – 90 days
( 61 – 90 days) Note: This amount must be positive
and must contain the amount
overdue in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
21. Overdue Bucket 04 When Numeric 20 Report the Amount Overdue
(91 – 180 days) Available between 91 – 180 days
Note: This amount must be positive
and must contain the amount
overdue in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
22. Overdue Bucket 05 When Numeric 20 Report the Amount Overdue for
(Above 180 days) Available more than 180 days
Note: This amount must be positive
and must contain the amount
overdue in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
23. High Credit When Numeric 20 Highest amount of credit used by
Available borrower during the reported
period
Note: This amount must be positive
and must contain the Highest credit
in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
24. Installment Amount When Numeric 20 Amount paid by the Borrower to
Available the Member for repayment of the
Credit Facility
Note: This amount must be positive
and must contain the Installment
amount in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
25. Last Repaid Amount When Numeric 20 The latest amount paid by the
available borrower
Note: This amount must be positive
and must contain the last repaid
amount in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
26. Account Status Required Text 2 Refer to Account Status catalogue
on page 49 for a list of valid values.
27. Account Status Date When Date 8 The date on which the account
Available status is effective from.

28. Written Off Amount When Numeric 20 Amount written off form the overall
Available liability
Note: This amount must be positive
and must contain the Written off
amount in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
amount in INR should be reported
in this field
29. Settled Amount When Numeric 20 Amount paid in full settlement of
Available overdue loans
Note: This amount must be positive
and must contain the Settled
amount in INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
30. Major reasons for When Text 2 01= Restructured due to Non-
Restructuring Available Performance
02= Restructured due to Natural
Calamity
03= Restructured due to COVID-19
99= Others
31. Amount of Contracts When Numeric 20 Applicable for Derivatives only
Classified as NPA Available Note: This amount must be positive
and must contain the amount in
INR - Indian Rupees.
If the Credit Facility is sanctioned in
a foreign currency, the equivalent
amount in INR should be reported
in this field
32. 0 Asset based Security When Text 2 Refer to Security Coverage
coverage Available catalogue on page 54 for a list of
valid values.
33. Guarantee Coverage When Text 2 Refer to Guarantee Coverage
Available catalogue on page 54 for a list of
valid values.
34. Bank Remark Code When Text 100 Free text for banks to provide any
Available comments
Report “JOINT” in case of Joint
Loans against both the borrower &
the Co-borrower(s).
35. Wilful Default Status Required Numeric 1 0 = Not Wilful Defaulter;
1 = Wilful Defaulter

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
36. Date Classified as Required Date 8 Date on which the Member
Wilful Default Conditionally classified the Account as being in
wilful default. This field must be
reported when Wilful Default Status
is reported as “1- Wilful Defaulter”
37. Suit Filed Status When Text 2 Refer to Suit Filed Status catalogue
Available on page 49 for a list of valid values.
38. Suit Reference Required Text 25 Internal reference number to the
Number Conditional suit filed.
This field must be reported when
there is a Suit Filed (Suit Filed status
other than 00 - Not a Suit Filed
Case)
39. Suit Amount in Required Numeric 20 The total amount for which the suit
Rupees Conditional has been filed.
This field must be reported when
there is a Suit Filed (Suit Filed status
other than 00 - Not a Suit Filed
Case)
Note: This amount must be positive
and must contain the Suit amount
in INR - Indian Rupees.
40. Date of Suit Required Date 8 Date when suit was admitted by
Conditional Authority
This field must be reported when
there is a Suit Filed (Suit Filed status
other than 00 - Not a Suit Filed
Case)
41. Dispute ID No. When Text 20 This field should be filled only when
Available the Dispute is raised and is not
applicable for regular submission.
The Dispute ID would be provided
by TransUnion CIBIL upon
registering a dispute.
42. Transaction Type When Text 2 Refer to Transaction Type Code
Code Available catalogue on page 504 for a list of
valid values.
This field should by default have the
value “01 – Normal Submission”

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
43. OTHER_BK When Text 42 Name of other Banks/ FIs.
Available The names of other Banks/FIs from
which the party has availed credit
facility should be indicated.
Multiple Banks/FIs may be provided
separated by commas and in
abbreviated form.
44. UFCE (Amount) When Numeric 20 Future Use (Unhedged Foreign
Available Currency Exposure)
45. UFCE Date When Date 8 Future Use (Unhedged Foreign
Available Currency Exposure Date)

7.6. Guarantor Segment (GS)

 Is a When Available Segment This is a sub segment of the Credit Facility Segment
 Contains general information of the guarantor(s), if any, for each Credit Facility
 It can appear multiple times per Credit Facility
Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
1. Segment Identifier Required Text 2 It must be GS.

2. Guarantor DUNS See Text 13 Report D-U-N-S Number assigned

Number Description specifically for the Registered Office
of the Guarantor.
If D-U-N-S Number has not been
assigned, return 999999999
3. Guarantor Type Required Text 1 1= Business Entity Registered in
India 2=Resident Indian Individual
3= Business Entity Registered
Outside India
4= Foreign/ Non-Resident Indian
Individual
4. Business Category Required Text 2 Required if GS Field ID # 3 =1 or 3.
Refer to Business Category
catalogue on page 41 for a list of
valid values.
5. Business / Industry Required Text 2 Required if GS Field ID # 3=1 or 3.
Type Refer to Business / Industry Type

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
catalogue on page 41 for a list of
valid values.

6. Guarantor Entity Required Text 125 Required

Name Conditionally if GS Field ID # 3 = 1 or 3
7. Individual Name When Text 15 Mr, Ms, Mrs, Dr, etc., Only when GS
Prefix Available Field ID # 3 = 2 or 4

8. Full Name Required Text 150 Required

Conditionally if GS Field ID # 3 = 2 or 4

9. Gender When Text 2 Only When GS Field ID # 3 =2 or 4

Available 01 Male; 02 Female;
03 Transgender
10. Company When Text 30 Report only when GS Field ID # 3 = 1
Registration Available or 3.
Number Company Registration Number
issued by Registrar of Companies
11. Date of When Date 8 Report only when GS Field ID # 3 = 1
Incorporation Available or 3.
The date on which the Business is
Registered / Incorporated
12. Date of Birth When Date 8 Report only when GS Field ID # 3 = 2
Available or 4.

13. PAN When Text 10 Permanent Account Number issued

Available by Income Tax Authority
14. Voter ID When Text 30 Issued by Election Commission of
Available India
Only when GS Field ID # 3 = 2 or 4
15. Passport Number When Text 30 Only when GS Field ID # 3 = 2 or 4
Available
16. Driving Licence ID When Text 30 Only when GS Field ID # 3 = 2 or 4
Available
17. UID When Text 30 Issued by Government of India
Available Only when GS Field ID # 3 = 2 or 4

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
18. Ration Card No When Text 30 Only when GS Field ID # 3 = 2 or 4
Available
19. CIN When Text 30 Corporate Identification Number
Available
20. DIN When Text 12 Director Identification Number
Available issued by Ministry of Company
Affairs.
Only when GS Field ID # 3 = 2 or 4
21. TIN When Text 30 Tax Identification Number for Non-
Available Individuals issued by Income Tax
Authority
22. Service Tax # When Text 30 Service Tax Registration Number
Available issued by Central Excise Authority
23. CKYC When Text 30 14 digit Central KYC (CKYC)
Available managed by Central Registry of
Securitization and Asset
Reconstruction and Security
Interest in India (CERSAI) Cannot
start with 0, Cannot have repetitive
numbers in all digit
24. Address Line 1 Required Text 200 The address is to be parsed logically
under the fields Address Line1,
25. Address Line 2 When Text 200
Address Line2, Address Line3,
Available
City/Town, District, State/ Union
26. Address Line 3 When Text 200 Territory. If this is not possible, the
Available entire address should appear in
Address Line1. In such case report
City/Town Name appropriately,
without truncating or splitting into
the next field. Do not truncate. Use
comma separated values. Do not
split whole words. If insufficient,
please use Address Line2 and
Address Line 3
27. City/Town When Text 40
Available
28. District When Text 40
Available
29. State/Union When Text 2 Report for 1= Business Entity
Territory Available Registered in India

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Maxim
um
Field
No. Field Name Field Option Charac Description
Type
ter
Length
2=Resident Indian Individual
Refer to State catalogue on page 42
for a list of valid values.
30. Pin Code When Text 6 Report for 1= Business Entity
Available Registered in India
2=Resident Indian Individual
31. Country When Text 3 Report for 1= Business Entity
Available Registered in India
2=Resident Indian Individual.
Refer to Country Code/ Nationality
catalogue on page 51 for a list of
valid values.
32. Mobile Number(s) When Text 55 Use comma separators for multiple
Available numbers
33. Telephone Area When Text 6
Code Available
34. Telephone When Text 55 Use comma separators for multiple
Number(s) Available numbers
35. Fax Area Code When Text 6
Available
36. Fax Number(s) When Text 55 Use comma separators for multiple
Available numbers
37. Guarantee When Text 58 Report Guarantee Invocation Date
Invocation Date Available
38. Udyam Registration When Text 30 Udyam Registration Number issued
Number Available by Ministry of MSME. Report if GS
field no.3 is Guarantor Type 2
(Resident Indian Individual) or
Guarantor Type = 1 (Business Entity
Registered in India) Alphanumeric:
UDYAM-XX-XX-XXXXXXX (with
hyphen), UDYAMXXXXXXXXXXX
(without Hyphen)
XXXXXXXXXXX (without UDYAM as
static value)

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7.7. Security Segment (SS)

 Is a When Available Segment
 This is a sub segment of the Credit Facility Segment
 It can appear multiple times per Credit Facility
Maximum
Field
No. Field Name Field Option Character Description
Type
Length
1. Segment Identifier Required Text 2 It must be SS

2. Value of Security Required Numeric 20 Value of the Security as on the

date of Valuation.
3. Currency Type Required Text 3 Refer to “Currency Code – ISO code
421” catalogue on page43 for a list
of valid values.

4. Type of Security Required Text 3 Refer to Security Type catalogue on

page 50 for a list of valid values.

5. Security Required Text 2 Refer to Security Classification

Classification catalogue on page50 for a list of
valid values.
6. Date of Valuation When Date 8 The latest date on which the
Available valuation was done.
7. Filler When Text 38 Reserved for future use. This field
Available is to be left blank.

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7.8. Dishonour of Cheques Segment (CD)

 Is a When Available Segment
 This is a sub segment of the Credit Facility Segment
 Contains information on cheques dishonoured, if any, by a Subject related to a Credit
Facility
 It can appear multiple times per Credit Facility
 Only Cheques dishonoured due to Insufficient Funds or Closed Accounts need to be
reported
Maximum
Field
No. Field Name Field Option Character Description
Type
Length
1. Segment Identifier Required Text 2 It must be CD

2. Date of Dishonour Required Date 8 Mention the cycle in which the

cheque has been dishonoured
3. Amount Required Numeric 20 Amount of the cheque dishonored

4. Instrument / Required Text 30

Cheque Number

5. Number of times Required Numeric 10 Number of times the cheque was

dishonoured dishonoured
6. Cheque Issue Date Required Date 8 To be provided only in case of
Conditionally single cheque dishonoured.
7. Reason for Required Text 2 Refer to catalogue Reason for
Dishonour Dishonour on page 55 for a valid
list of values
8. Filler When Text 18 Reserved for future use. This field
Available is to be left blank.

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7.9. File Closure Segment (TS)

 Is a Required segment
 Contains summary of the number of Credit Facility Segments reported in the Data Input
File
 Occurs only in the END of the Data Input File
 It should appear only ONCE in the Data Input File
 It will be the FINAL segment in the Data Input File
Maximum
Field
No. Field Name Field Option Character Description
Type
Length
1. Segment identifier Required Text 2 It must be TS
2. Number of Required Numeric 10 Total number of Borrower
Borrower Segments Segments reported in the file
3. Number of Credit Required Numeric 15 Total number of Credit Facility
Facility Segments Segments reported in the file
4. Filler When Text 65 Reserved for future use. This field is
Available to be left blank.

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8. Catalogues
8.1. Legal Constitution
Code Constitution
11 Private Limited
12 Public Limited
20 Business Entities Created by Statute
30 Proprietorship
40 Partnership
50 Trust
55 Hindu Undivided Family
60 Co-operative Society
70 Association of Persons
80 Government
85 Self Help Group

8.2. Business Category

Code Description
01 MSME
02 SME
03 Micro
04 Small
05 Medium
06 Large
07 Others

8.3. Business / Industry Type

Code Description
01 Manufacturing
02 Distribution
03 Wholesale
04 Trading
05 Broking
06 Service Provider

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Code Description
07 Importing
08 Exporting
09 Agriculture
10 Dealers
11 Others

8.4. Location Type

Code Description
01 Registered Office – Required
02 Branch / Regional Office
03 Warehouse
04 Plant / Factory Address
05 Others
06 Mortgage Property address

8.5. State
Code Description Code Description
01 Andaman and Nicobar Islands 19 Madhya Pradesh
02 Andhra Pradesh 20 Maharashtra
03 Arunachal Pradesh 21 Manipur
04 Assam 22 Meghalaya
05 Bihar 23 Mizoram
06 Chandigarh 24 Nagaland
07 Chhattisgarh 25 New Delhi
08 Dadra and Nagar Haveli 26 Orissa
09 Daman and Diu 27 Puducherry
10 Goa 28 Punjab
11 Gujarat 29 Rajasthan
12 Haryana 30 Sikkim
13 Himachal Pradesh 31 Tamil Nadu
14 Jammu and Kashmir 32 Tripura
15 Jharkhand 33 Uttar Pradesh
16 Karnataka 34 Uttarakhand

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Code Description Code Description

17 Kerala 35 West Bengal
18 Lakshadweep 36 Telangana

8.6. Type of Relationship

Code Relationship
10 Shareholder
11 Holding Company
12 Subsidiary Company
20 Proprietor
30 Partner
40 Trustee
51 Promoter Director
52 Nominee Director
53 Independent Director
54 Director - Since Resigned
55 Individual Member of SHG
56 Other Director
60 Others
70 Karta (HUF)

8.7. Currency Code – ISO code 421

Code Description Code Description
ADF Andorran Franc LSL Lesotho Loti
ADP Andorran Peseta LTL Lithuanian Litas
AED (United) Arab Emirates Dirham LUF Luxembourg Franc
AED United Arab Emirates Dirham LVL Latvian Lats
AFA Afghanistan Afghani LYD Libyan Dinar
ALL Albanian Lek MAD Moroccan Dirham
ANG (Netherlands) Antillian Guilder MGF Malagasy Franc
ANG Netherlands Antillian Guilder MMK Myanmar Kyat
AON Angolan New Kwanza MNT Mongolian Tugrik
ARA Argentine Austral MOP Macau Pataca
ARS Argentine Peso MRO Mauritanian Ouguiya

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Code Description Code Description

ATS Austrian Schilling MTL Maltese Lira
AUD Australian Dollar MUR Mauritius Rupee
AWG Aruban Florin (old guilder) MVR Maldive Rufiyaa
BBD Barbados Dollar MWK Malawi Kwacha
BDT Bangladeshi Taka MXP Mexican Peso
BEF Belgian Franc MYR Malaysian Ringgit
BGL Bulgarian Lev MZM Mozambique Metical
BHD Bahraini Dinar NAD Namibian Dollar
BIF Burundi Franc NGN Nigerian Naira
BMD Bermudian Dollar NIO Nicaraguan Cordoba Oro
BND Brunei Dollar NLG Netherlands Guilder
BOB Bolivian Boliviano NLG Dutch Guilder
BRC Brazilian Cruzeiro NOK Norwegian Kroner
BRL Brazilian Real NPR Nepalese Rupee
BSD Bahamian Dollar NZD New Zealand Dollar
BTN Bhutan Ngultrum OMR Omani Riyal
BWP Botswana Pula PAB Panamanian Balboa
BZD Belize Dollar PEN Peruvian Neuevo Sol
CAD Canadian Dollar PGK Papua New Guinea Kina
CHF Swiss Franc PHP Philippine Peso
CLP Chilean Peso PKR Pakistan Rupee
CNY Chinese Yuan Renminbi PLZ Polish Zloty
COP Colombian Peso PTE Portugese Escudo
CRC Costa Rican Colon PYG Paraguay Guarani
CSK Czech Koruna QAR Qatari Rial
CUP Cuban Peso ROL Romanian Leu
CVE Cape Verde Escudo RUB Russian Rouble
CVP Cyprus Pound SAR Saudi Riyal
DEM German Mark SBD Solomon Isl.Dollar
DJF Djibouti Franc SCR Seychelles Rupee
DKK Danish Krone SDD Sudanese Dinar
DOP Dominican Peso SDP Sudanese Pound

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Code Description Code Description

DZD Algerian Dinar SEK Swedish Krona
ECS Ecuador Sucre SGD Singapore Dollar
EEK Estonian Kroon SHP St. Helena Pound
EGP Egyptian Pound SIT Slovenian Tolar
ESP Spanish Peseta SKK Slovak Koruna
ETB Ethiopian Birr SLL Sierra Leone
EUR Euro SOS Somali Schilling
FIM Finnish Markka SRG Suriname Guilder
FJD Fiji Dollar STD Sao Tome and Principe Dobra
FKP Falkland Isl.Pound SVC El Salvador Colon
FRF French Franc SYP Syrian Pound
GBP British Pound SZL Swaziland Lilangeni
GBP Pound Sterling THB Thai Baht
GBP United Kingdom Pound TND Tunisian Dinar
GHC Ghanaian Cedi TOP Tongan Pa'anga
GIP Gibraltar Pound TRL Turkish Lira
GMD Gambian Dalasi TTD Trinidad and Tobago Dollar
GNF Guinea Franc TWD Taiwan Dollar
GRD Greek Drachma TZS Tanzanian Schilling
GTQ Guatemalan Quetzal UAG Ukraine Hryvnia
GWP Guinea-Bissau Peso UAK Ukraine Karbovanets
GYD Guyanan Dollar UGS Uganda Schilling
HKD Hong Kong Dollar USD US Dollar
HNL Honduran Lempira UYP Uruguayan Peso
HRK Croatian Kuna VEB Venezuelan Bolivar
HTG Haitian Gourde VND Vietnamese Dong
HUF Hungarian Forint VUV Vanuatu Vatu
IDR Indonesian Rupiah WST Samoan Tala
IEP Irish Punt XAF CFA Franc BEAC (for
Cameroon, the Central African
Republic, Chad, Congo,
Equatorial Guinea and Gabon)
ILS Israeli New Shekel XAF Cameroon: CFA Franc BEAC

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Code Description Code Description

INR Indian Rupee XAF The Central African Republic:
CFA Franc BEAC
IQD Iraqi Dinar XAF Chad: CFA Franc BEAC
IRR Iranian Rial XAF Congo: CFA Franc BEAC
ISK Iceland Krona XAF Equatorial Guinea: CFA Franc
BEAC
ITL Italian Lira XAF Gabon: CFA Franc BEAC
JMD Jamaican Dollar XAG Silver (oz.)
JOD Jordanian Dinar XAU Gold (oz.)
JPY Japanese Yen XOF Benin: CFA Franc BCEAO
KES Kenyan Schilling XOF Burkino Faso: CFA Franc
BCEAO
KHR Kampuchean (Cambodian) Riel XOF CFA Franc BCEAO (for Benin,
Burkino Faso, Cote D'Ivoire,
Mali, Niger, Senegal and
Togo)
KHR Kampuchean (Cambodian) Riel XOF Mali: CFA Franc BCEAO
KMF Comoros Franc XOF Niger: CFA Franc BCEAO
KPW North Korean Won XOF Cote D'Ivoire: CFA Franc
BCEAO
KRW Korean Won XOF Senegal: CFA Franc BCEAO
KWD Kuwaiti Dinar XOF Togo: CFA Franc BCEAO
KYD Cayman Islands Dollar XPD Palladium (oz.)
KZT Kazakhstan Tenge XPT Platinum (oz.)
LAK Lao Kip YUN Yugoslav Dinar
LBP Lebanese Pound ZAR South African Rand
LKR Sri Lanka Rupee ZMK Zambian Kwacha
LRD Liberian Dollar ZWD Zimbabwe Dollar

8.8. Credit Type

Code Description
0100 Cash credit
0200 Overdraft
0300 Demand loan
0310 Loan extended through credit cards

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Code Description
0410 Medium term loan (period above 1 year and up to 3 years)
0420 Long term loan (period above 3 years)
0500 Packing credit (all export pre-shipment finance)
0610 Export bills purchased
0620 Export bills discounted
0630 Export bills advanced against
0640 Advances against export cash incentives and duty draw-back claims
0710 Inland bills purchased
0720 Inland bills discounted
0800 Advances against import bills
0900 Foreign currency cheques TCS/DDS/TTS/MTS purchased
1000 Lease finance
1100 Hire purchase
2000 Bank guarantee
2100 Deferred payment guarantee
3000 Letters of credit
3100 Corporate credit card
4000 Commercial vehicle loan
4100 Equipment financing (construction office medical)
5000 Unsecured business loan
5100 Short term loan (less than 1 year)
5200 Aggregation of all fund based facilities
5300 Aggregation of all non fund based facilities
5400 Facilities interchange between fund & non fund based
5500 Derivatives
5600 Plain vanilla forex forward contracts
5700 Plain vanila int rate swap(all including INR as coupon)
5800 Plain vanila foreign currency option (including INR cross currency)
5900 Complex int rate derv with optionalities
6000 Any complex derivative loan involving foreign currency with option
6100 Contracts on past performance – imports
6200 Contracts on past performance – exports

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Code Description
9000 Aggregate of all borrowings due to filing of suit
9001 Auto Loan
9002 Property Loan
9003 Gold Loan
9004 Loan Against Shares/Securities
9005 HealthCare Finance
9006 Infrastructure Finance
9007 Factoring
9008 Commercial Paper
9009 NCD – Non Convertible Debentures
9010 Unhedged Foreign Currency Exposure
9011 Payment Account (Point of Sale & Payment Gateways)
9012 Current Loan
9013 ARC – Secured Loan (refer Annex. B for validations)
9014 ARC – Unsecured Loan (refer Annex. B for validations)
9015 Seller Financing Soft (“Seller Financing Soft" NOT TO BE USED for loan
reporting)
9020 Seller Financing
9021 GECL Loan
9022 Mudra Term Loan
9023 Mudra Working Capital
9024 Temporary Overdraft
9999 Others

8.9. Asset Classification/ Days Past Due

Code Description
0001 Standard
0002 Sub-standard
0004 Loss
0006 SMA 0 – Principal or interest payment not overdue for more than 30
days but account showing signs of incipient stress.
0007 SMA 1 – Principal or interest payment overdue between 31-60 days
0008 SMA 2 – Principal or interest payment overdue between 61 – 90 days,
and NA (Not applicable)

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Code Description
0009 Doubtful -1
0010 Doubtful -2
0011 Doubtful -3
0012 Non-Performing Assets (NPA)
0013 ARC Loan (refer Annex. B for validations)
1001 1 Day Past Due
1002 2 Days Past Due
1nnn Nnn Days Past Due
Note: Nnn is the actual number of days.
E.g., report 1214, if the the number of days past due is 214 days
1999 999 or above Days Past Due
1000 0 Day Past Due

8.10. Account Status

Code Description
01 Open
02 Closed By Payment
03 Settled & Closed
04 Restructured
05 Written Off
06 Settled Post Write Off
07 Invoked
08 Devolved
09 Restructured Due to Natural Calamity
10 Sold to ARC (refer Annex. B for validations)
11 Purchase from Bank
12 Restructured & Closed

8.11. Suit Filed Status

Code Description
00 Not a Suit Filed Case
01 Suit Filed
02 Trial in Progress

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Code Description
03 Decree issued by court
04 Execution of Decree

8.12. Transaction Type Code

Code Description
01 Normal Submission
02 Dispute Corrected
03 Dispute Rejected

8.13. Security Type

Code Description
001 Cash/ Bullion/ Bank Deposits
002 Shares/ Bonds/ Securities
003 Inventory (Raw Material, WIP and Finished Goods)

004 Accounts Receivable

005 Other Current Assets
006 Plant & Machinery and Equipment
007 Land & Buildings
008 Other Fixed Assets
009 Other Assets
010 Aggregate of all Current Assets
011 Aggregate of all Fixed Assets

8.14. Security Classification

Code Description
01 Primary – First Charge
02 Primary – Second Charge
03 Primary – Third Charge
04 Primary – Parri Passu
21 Collateral – First Charge
22 Collateral – Second Charge
23 Collateral – Third Charge
24 Collateral – Parri Passu

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8.15. Country Code/ Nationality

Code Description Code Description
001 Afghanistan 099 Libyan Arab Jamahiriya
002 Albania 100 Liechtenstein
003 Algeria 101 Lithuania
004 Andorra 102 Luxembourg
005 Angola 103 Madagascar
006 Antigua and Barbuda 104 Malawi
007 Argentina 105 Malaysia
008 Armenia 106 Maldives
009 Australia 107 Mali
010 Austria 108 Malta
011 Azerbaijan 109 Marshall Islands
012 Bahamas 110 Mauritania
013 Bahrain 111 Mauritius
014 Bangladesh 112 Mexico
015 Barbados 113 Micronesia, Federated States of
016 Belarus 114 Monaco
017 Belgium 115 Mongolia
018 Belize 116 Morocco
019 Benin 117 Mozambique
020 Bhutan 118 Myanmar
021 Bolivia 119 Namibia
022 Bosnia and Herzegovina 120 Nauru
023 Botswana 121 Nepal
024 Brazil 122 Netherlands
025 Brunei Darussalam 123 New Zealand
026 Bulgaria 124 Nicaragua
027 Burkina Faso 125 Niger
028 Burundi 126 Nigeria
029 Cambodia 127 Norway
030 Cameroon 128 Oman
031 Canada 129 Pakistan

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Code Description Code Description

032 Cape Verde 130 Palau
033 Central African Republic 131 Palestinian Authority
034 Chad 132 Panama
035 Chile 133 Papua New Guinea
036 China 134 Paraguay
037 Colombia 135 Peru
038 Comoros 136 Philippines
039 Congo 137 Poland
040 Costa Rica 138 Portugal
041 Cote d'Ivoire 139 Qatar
042 Croatia 140 Republic of Korea
043 Cuba 141 Republic of Moldova
044 Cyprus 142 Romania
045 Czech Republic 143 Russian Federation
046 Democratic People's Republic 144 Rwanda
of Korea
047 Democratic Republic of the 145 Saint Kitts and Nevis
Congo
048 Denmark 146 Saint Lucia
049 Djibouti 147 Saint Vincent and the Grenadines
050 Dominica 148 Samoa
051 Dominican Republic 149 San Marino
052 East Timor 150 Sao Tome and Principe
053 Ecuador 151 Saudi Arabia
054 Egypt 152 Senegal
055 El Salvador 153 Serbia and Montenegro
056 Equatorial Guinea 154 Seychelles
057 Eritrea 155 Sierra Leone
058 Estonia 156 Singapore
059 Ethiopia 157 Slovakia
060 Fiji 158 Slovenia
061 Finland 159 Solomon Islands
062 France 160 Somalia

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Code Description Code Description

063 Gabon 161 South Africa
064 Gambia 162 Spain
065 Georgia 163 Sri Lanka
066 Germany 164 Sudan
067 Ghana 165 Suriname
068 Greece 166 Swaziland
069 Grenada 167 Sweden
070 Guatemala 168 Switzerland
071 Guinea 169 Syrian Arab Republic
072 Guinea-Bissau 170 Taiwan
073 Guyana 171 Tajikistan
074 Haiti 172 TFYR Macedonia
075 Honduras 173 Thailand
076 Hong Kong 174 Togo
077 Hungary 175 Tonga
078 Iceland 176 Trinidad and Tobago
079 India 177 Tunisia
080 Indonesia 178 Turkey
081 Iran (Islamic Republic of) 179 Turkmenistan
082 Iraq 180 Tuvalu
083 Ireland 181 Uganda
084 Israel 182 Ukraine
085 Italy 183 United Arab Emirates
086 Jamaica 184 United Kingdom
087 Japan 185 United Republic of Tanzania
088 Jordan 186 United States of America
089 Kazakhstan 187 Uruguay
090 Kenya 188 Uzbekistan
091 Kiribati 189 Vanuatu
092 Kuwait 190 Venezuela
093 Kyrgyzstan 191 Vietnam

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Code Description Code Description

094 Lao People's Democratic 192 Western Sahara
Republic
095 Latvia 193 Yemen
096 Lebanon 194 Zambia
097 Lesotho 195 Zimbabwe
098 Liberia

8.16. Security Coverage

Code Description
01 Full
02 Partial
03 Nil

8.17. Guarantee Coverage

Code Description
01 Full
02 Partial
03 Nil

8.18. Repayment Frequency

Code Description
01 Monthly
02 Quarterly
03 Half yearly
04 Annual
05 On Demand
06 Bullet
07 Rolling
08 Others

8.19. Assessment Agency/Authority

Code Description
01 CARE
02 CRISIL

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Code Description
03 ICRA
04 ONICRA
05 SMERA
06 Fitch
07 Others

8.20. Reason for Dishonour

Code Description
01 Insufficient Funds

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9. Appendix A – Allowed and Disallowed Characters

Following are the allowed and disallowed characters in the Related Individual Name and
Previous Related Individual Name in the Relationship Segment (RS), Guarantor Individual
Name and Previous Individual Name of Guarantor in the Guarantor Segment (GU)
Allowed Disallowed
. ~
` !
@
( #
) $
[ %
] ^
{ &
} *
/ /
\ \
+
-
:
;
|
<
>
?
,
_

The front slash (/) and the back slash (\) are allowed only when used with SON
OF, WIFE OF and DAUGHTER OF in any of the following ways: S/O, S\O, W/O,
NOTE:
W\O, D/O and D\O. In all other situations, their appearance will lead to a
rejection of the data.

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10. Annexure A
To be sent to TransUnion CIBIL with each Data Input File.

Member Branch ID: Date:

Member Name:
Member Address:
Signed
Encrypted
Signed &
Type of Data: Corporate No. of CDs:
Encrypted
Not Signed &
Not Encrypted
REPORTING SUBMISSION DETAILS
No. File Name Media Type No. of Branches* No. of Structures

Comments (if any)

* No. of Branches for which data have been submitted.

In the interest of security, all Data Input Files that are submitted in a manual
NOTE:
mode (on CD), must be accompanied by this Annexure.

(Signature)

Name: _________________
Designation: ____________

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11. Annexure B
Following are the validation when we have ARC data reporting.

a. If Account status=10, then Current balance must be = 0

b. If Account status=11, then Amount Overdue must be > 0

c. If Account status=11, then DPD/AC must be = 1000

d. If Account status=11, then Date Closed cannot be blank

e. If Account status=11, then Current balance must be > 0

f. If Account status=11, then Amount Overdue must be > 0

g. If Account status=11, then Sanctioned Date cannot be blank

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