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)

1. HDFC
   • 7th
   • 15th
   • 22nd
   • 30/31st ( ie month end)

Fortnightly ( Two times, a month )

1. Statement Date and Statement Date + 15 days
   • Amex
   • 
     
2. 15th and month end ( 30/31)
   • Axis
   • 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

 

[Sobirvs]

my icici reported on 20th jan

 

[Raavan]

Icici reported on 31st january

Itni jaldi visible on CIBIL
How
Its yampossible

 

[lightwaves]

Icici reported on 31st january

Which card bro?

 

[aniketkr.sharma]

Which card bro?

Apay, wasn't getting reported from 3 months

 

[aniketkr.sharma]

Itni jaldi visible on CIBIL
How
Its yampossible

Refreshed today score was decreased due to there 50k dues from past 3 months.

Goes up so checked its reported for January, not reported in December and reported in November and so on

 

[Credit_Cards]

IDFC reported on 15th Jan.
They never ever reported before mid Month except Month end, they are joining mid and month end team.

@SSV

 

[kuchbhikuchbhi is verified member.]

my icici reported on 20th jan

your icici .

 

[Credit_Cards]

your icici .

sabka icici .

 

[Nishan11]

Refreshed cibil today.

Icici reported sapphiro :- 20th January
( Statement dat 12th of each month (

MMT Signature :- 18th January
* Statement day 22nd of each month )

Amazon Pay :- 12th December ( Statement Day )

Emeralde Metal :- 18th December ( Statement Day )

 

[aniketkr.sharma]

Refreshed cibil today.

Icici reported sapphiro :- 20th January
( Statement dat 12th of each month (

MMT Signature :- 18th January
* Statement day 22nd of each month )

Amazon Pay :- 12th December ( Statement Day )

Emeralde Metal :- 18th December ( Statement Day )

They aren't sticking to single date.

 

[Credit_Cards]

They aren't sticking to single date.

They themselves are confused

 

[Raavan]

Hi @SSV
Weird pattern for SBI Card
Three times reporting in a month
1. Due Date + 3 days (Old pattern)
2. 15th
3. 30/31 (30th January reported for me)

Surprisingly CIBIL processed SBI's reporting in 3 days.

Similar weird pattern noticed for Axis Neo CC reporting, apart from 15th and 30/31 Axis Neo also got reported on 22nd which is statement date.. but can't be sure of this. Will need to wait because Axis Ace and Airtel is not updated (billing date is 25th for Ace and Airtel).

 

[Credit_Cards]

Hi @SSV
Weird pattern for SBI Card
Three times reporting in a month
1. Due Date + 3 days (Old pattern)
2. 15th
3. 30/31 (30th January reported for me)

Surprisingly CIBIL processed SBI's reporting in 3 days.

Similar weird pattern noticed for Axis Neo CC reporting, apart from 15th and 30/31 Axis Neo also got reported on 22nd which is statement date.. but can't be sure of this. Will need to wait because Axis Ace and Airtel is not updated (billing date is 25th for Ace and Airtel).

yes SBI simply added 15th and Month end to existing system which is a good thing as per me

 

[Raavan]

yes SBI simply added 15th and Month end to existing system which is a good thing as per me

@SSV Surprise, surprise! SBI has come up with a new twist!

I just noticed that SBI has again reported to CIBIL in its usual pattern—due date + 3 days. They have reported on 25-01-2025 with my statement balance of 02-01-2025 (my statement date) as the current balance, which is their regular reporting style.

Interestingly, they also recently reported on 15-01-2025 with the outstanding balance reflecting settled transactions. So now, SBI has reported two different balances:

1. 15th of the month: Outstanding balance (settled transactions).
2. Due date + 3 days: Statement balance (backdated to the 15th of the month).

If this continues, it seems SBI might start reporting three times a month:

1. 15th
2. 30/31st (month-end reporting)
3. Due date + 3 days

This is getting interesting! Let’s see if they maintain this new pattern.

This above reply was correct. Three times reporting pattern by SBI.

Pehle 3 3 months tak 1 bhi reporting nahi karte the.. ab majburi me 1 month me 3 3 baar kar rahe hai

 

[ajijul_93rahman]

@SSV Surprise, surprise! SBI has come up with a new twist!

I just noticed that SBI has again reported to CIBIL in its usual pattern—due date + 3 days. They have reported on 25-01-2025 with my statement balance of 02-01-2025 (my statement date) as the current balance, which is their regular reporting style.

Interestingly, they also recently reported on 15-01-2025 with the outstanding balance reflecting settled transactions. So now, SBI has reported two different balances:

1. 15th of the month: Outstanding balance (settled transactions).
2. Due date + 3 days: Statement balance (backdated to the 15th of the month).

If this continues, it seems SBI might start reporting three times a month:

1. 15th
2. 30/31st (month-end reporting)
3. Due date + 3 days

This is getting interesting! Let’s see if they maintain this new pattern.

@SSV
As expected, SBI Card reported to CIBIL again on 30-01-2025!

That means they’ve now reported three times in January:
1️⃣ 15-01-2025
2️⃣ 25-01-2025 (Due date + 3 days)
3️⃣ 30-01-2025

Not sure how long SBI Card will continue this 3-times-a-month reporting pattern, but it’s definitely making it harder to maintain a low utilization rate consistently. Our homework for managing utilization just got more complicated!

Let’s see if this trend continues in February. 🤔

 

[ReloadFin]

Update: [03-02-2025]
SBI 15th and then 30th = Pattern 15+15 days
RBL 15th and 31st = Pattern 15th and month end


PS: my assumption: sbi 3 times reporting was a transition period, reporting at old pattern (due+3 days) then January 15th+15 days which is 30th January. Here old pattern brought December 2024 statment balances at Due+3days irrespective of any balance after that but before 30th January 2025. So conclusion is after 30th January 2025 SBI will only report every 15 days i.e. 15th feb then 3rd march instead of 28th Feb.

 

[asm07]

Icici reported on 20th January. Earlier it was statement generation date 28th for me. They neither went for 15th nor month end, weird.

 

[lightwaves]

Icici reported on 20th January. Earlier it was statement generation date 28th for me. They neither went for 15th nor month end, weird.

Gems of ICICI 😅

 

[vivekshah]

what is the impact on cibil score for these multiple reportings?

 

[Raavan]

Yes bank reported on 31/01
PNB 31/01 (Mention this in first post)
SBI 30/01