New CIBIL Reporting Frequencies of Various Banks from January 2025

[SSV]

Guys,
We already know that the new norms of cibil reporting comes into place w.e.f 1 Jan 2025.
As per the new rules ,the banks and other financial institutions should report outstanding balances of loans and credit card accounts atleast every fortnight. In this regard some banks adopted fortnightly and some adopted weekly reporting.
Let's collate the list of various banks with their frequency of reporting here in this thread..
The following is the list of Banks with their respective frequency and reporting dates in a month:
We will add more banks to this list as and when the information is available...

Weekly ( Four times, a month)

Fortnightly ( Two times, a month )

1. Statement Date and Statement Date + 15 days
   • Amex
   • 
     
2. 15th and month end ( 30/31)
   • Axis
   • HDFC
   • BOB Cards
   • Yes Bank
   • SBM Bank
   • Kotak
   • IndusInd
   • RBL
   • Indian Bank(One card)
   • Federal bank
   • AU
   • IDFC

Thrice a month ( God Knows why SBI Chose this !!)

1. 15th , 30th and Due Date + 3 days
   • SBI

 

[nikhilv0303]

In case of SBI Card You have to pay the bill by 13th or 28th only to report the less balance

Means they take the balance as on 13th and 28th night?

 

[Anil_SinghAnil_Singh is verified member.]

Means they take the balance as on 13th and 28th night?

No. Balance on 15th and 30th. Payment before 2 days because sometimes it takes T+2 to settle the transaction.

 

[nikhilv0303]

No. Balance on 15th and 30th. Payment before 2 days because sometimes it takes T+2 to settle the transaction.

Is that true for all banks or only SBI?

 

[SSV]

Is that true for all banks or only SBI?

Please see the the very first post

 

[nikhilv0303]

Please see the the very first post

Hi @SSV
Yes saw that.. wanted to clarify if I should pay in 13/28 for HDFC and ICICI as well? So it settles by 15/30?
Or paying on 15/30 will also report as 0 credit used?

Also, one more thing, if this brings up the CIBIL by 5-10 points, if after 2-3 months I stop doing this - will the score drop again, or will stay there

 

[syed_ar0403]

Hi @SSV
Yes saw that.. wanted to clarify if I should pay in 13/28 for HDFC and ICICI as well? So it settles by 15/30?
Or paying on 15/30 will also report as 0 credit used?

Also, one more thing, if this brings up the CIBIL by 5-10 points, if after 2-3 months I stop doing this - will the score drop again, or will stay there

You are correct bro 👍 You have to pay by 13th and 28th so that it settles by 15th & 30th and the balance reported on 15th & 30th shows correctly. It works like this only in SBI Card — I’ve been following it for a year now. Always pay 2 days before to be safe.

 

[nikhilv0303]

Also, one more thing, if this brings up the CIBIL by 5-10 points, if after 2-3 months I stop doing this - will the score drop again, or will stay there

You are correct bro 👍 You have to pay by 13th and 28th so that it settles by 15th & 30th and the balance reported on 15th & 30th shows correctly. It works like this only in SBI Card — I’ve been following it for a year now. Always pay 2 days before to be safe.

Thanks @syed_ar0403
Are you aware of the other question I have

 

[nikhilv0303]

Does Axis report multiple cards with shared limit as 1 account or multiple accounts in CIBIL?

 

[Dr.AMAN]

Does Axis report multiple cards with shared limit as 1 account or multiple accounts in CIBIL?

Multiple accounts as different cibil enteries

 

[syed_ar0403]

Thanks @syed_ar0403
Are you aware of the other question I have

Bro, to keep your score steady, maintain utilization below 10% always. If it goes above, the score may drop a few points (around 6), but it bounces back next month once utilization is below 10% again. Don’t worry too much about CIBIL — it’ll recover automatically.

 

[nikhilv0303]

Bro, to keep your score steady, maintain utilization below 10% always. If it goes above, the score may drop a few points (around 6), but it bounces back next month once utilization is below 10% again. Don’t worry too much about CIBIL — it’ll recover automatically.

Overall utilization is always below 10%... only issue is with specific SBI CB card where I end us using almost 80% of limit...hence was wondering

 

[nikhilv0303]

Multiple accounts as different cibil enteries

Already struggling with OL issue with SBI when applied for PhonePe card. So I'll go ahead and close the useless Axis Shopper Stop card..

 

[SSV]

Overall utilization is always below 10%... only issue is with specific SBI CB card where I end us using almost 80% of limit...hence was wondering

this will impact the score with about - 5 to -10 points..

 

[syed_ar0403]

Overall utilization is always below 10%... only issue is with specific SBI CB card where I end us using almost 80% of limit...hence was wondering

Individual card utilization doesn’t matter bro, CIBIL only considers the overall utilization ratio across all your cards for score calculation. So as long as your total stays below 10%, you’re good.

 

[nikhilv0303]

this will impact the score with about - 5 to -10 points..

Guess I'll keep clearing SBI for now.. and rest HDFC is anyways stay below 10%.. so would that be fine @SSV or should I clear that as well?

 

[SSV]

Guess I'll keep clearing SBI for now.. and rest HDFC is anyways stay below 10%.. so would that be fine @SSV or should I clear that as well?

this should be fine..

if you clear HDFC also it will do good to the score

 

[SSV]

My ICICI Sapphire CC ( Gem stone card accouint ) was last reported as on 31/08/2025..

ICICI is blatantly violating RBI guidelines..



where as APAY ICICI card is almost upto date... last reported as on 30/09/2025

 

[CarbonLogic]

My ICICI Sapphire CC ( Gem stone card accouint ) was last reported as on 31/08/2025..

ICICI is blatantly violating RBI guidelines..

where as APAY ICICI card is almost upto date... last reported as on 30/09/2025

View attachment 112987

Checked CIBIL dashboard today
1. Yup, same status with Apay ICICI card. I am surprised its not updated yet for 15th October.
2. Supercard-Utkarshbank FD CC has been updated today with reporting date of 15th October.

Since the reporting was done on 15th October itself, why wasnt it showing up on CIBIL on 15th itself? I was been refreshing almost daily since 15th.

 

[hender]

Checked CIBIL dashboard today
1. Yup, same status with Apay ICICI card. I am surprised its not updated yet for 15th October.
2. Supercard-Utkarshbank FD CC has been updated today with reporting date of 15th October.

Since the reporting was done on 15th October itself, why wasnt it showing up on CIBIL on 15th itself? I was been refreshing almost daily since 15th.

+1, with SBI Cards ...

 

[nikhilv0303]

Do unsettled transactions on HDFC also get reported on 30th? I did some txn today, so want to understand if I should pay tomorrow itself or can pay till 15th?

@SSV @hender maybe you guys can confirm