New CIBIL reporting frequencies of various banks from Jan 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. Amex
   • statement date
   • statement date +15 days
2. Axis
   • 15th
   • 30/31st (month end)
3. BOB Cards
   • 15th
   • 30/31st ( month end)
4. YES Bank
   • 15th
   • 30/31st (month end)
5. SBM Bank
   • 15th
   • 30/31st (month end)

 

[Zacobite]

Okay, HDFC reported again on 07/01/ 2025..

So we can conclude that HDFc repeots on the following sates.of the month. Please react to this post if you observed the
same pattern..
HDFC reporting dates:
07, 15, 22 and 30/31st of the month..
4 times a month for HDFC, it is...
Once confirmed by majority of us, I will update the dates for HDFC in the first post..

View attachment 80317

LOL.. Cibil needs a vaccine

 

[Credit_Cards]

LOL.. Cibil needs a vaccine

no, we are not yet ready for post vaccine complications !!

 

[Zacobite]

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:

Weekly ( Four times in a month)

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

Fortnightly ( Two times in a month )

1. Amex
   • statement date
   • statement date +15 days
2. Axis
   • 15th
   • 30/31st (ie. month end)

Yes and now most platforms don't allow you to pay more than what was billed / due ( with variations of unbilled / unsettled etc) .. so making advance payment is being restricted.. CRED doesn't allow.. Yes Bank not allowing.. PAYZAPP still allowing only for HDFC.. so..lets see where this goes

 

[Credit_Cards]

Yes and now most platforms don't allow you to pay more than what was billed / due ( with variations of unbilled / unsettled etc) .. so making advance payment is being restricted.. CRED doesn't allow.. Yes Bank not allowing.. PAYZAPP still allowing only for HDFC.. so..lets see where this goes

using Payzapp can be use DC if yes whats the MCC ?

 

[aniketkr.sharma]

btw those who pay in full; can they expect bumps in score due to lower utilisation ratios due to change in reporting time-frame ?

Yes, i got a bump of 10 point from 779 to 789

 

[S9100]

LOL.. Cibil needs a vaccine

Steroids if you ask me

 

[fageriaji]

I w

Okay, HDFC reported again on 07/01/ 2025..

So we can conclude that HDFc reports on the following dates.of the month. Please react to this post if you observed the
same pattern..
HDFC reporting dates:
07, 15, 22 and 30/31st of the month..
4 times a month for HDFC, it is...
Once confirmed by majority of us, I will update the dates for HDFC in the first post..

View attachment 80317

ii update on 16 Jan as last update was on 7/1/25

 

[fageriaji]

thats true for all banks but ICICI updates more than a month late report date will be back date but they update late to cibil

Standard Chartered Bank is very lazy. I am using their card every month but last reporting was 30/10/2024.
Pathetic 😡

 

[Mahirathore360]

Ssv is best in the business

 

[SSV]

Ssv is best in the business

Thank you for your appreciation..
Best wishes for the festival season !! Enjoy !!

 

[lightwaves]

Ssv is best in the business

A B S O L U T E L Y

 

[me_sovon]

ICICI ne last report 28/11 pe kiya tha, lagta hai abhi wo holiday pe hai 😑

 

[Credit_Cards]

ICICI ne last report 28/11 pe kiya tha, lagta hai abhi wo holiday pe hai 😑

they will be on track starting this month and results shall be visible from month end or 1st week Feb

 

[kushal.b]

Hi @SSV
PNB - Statement date + 1 day and 14 days after that

Example - 19th is my statement date, last reported on 20th Dec then reported on 3rd Jan. Both times reported the statement due amount although there was no outstanding balance as on 3rd Jan.

 

[Nishan11]

BOB reported for my snapdeal card on 31/12/2024, but was visible from yesterday only.

But have not reported for Eterna, last reported on 30/11/2024.

IDFC is still sleeping along with ICICI.

 

[SSV]

Hi @SSV
PNB - Statement date + 1 day and 14 days after that

Example - 19th is my statement date, last reported on 20th Dec then reported on 3rd Jan. Both times reported the statement due amount although there was no outstanding balance as on 3rd Jan.

Okay, lets wait for some more feedback from other users..
However, the whole purpose of frequent reporting is to give the latest outstanding balances, not the same amount being reported even after 15 days..

 

[Nishan11]

Hi @SSV
PNB - Statement date + 1 day and 14 days after that

Example - 19th is my statement date, last reported on 20th Dec then reported on 3rd Jan. Both times reported the statement due amount although there was no outstanding balance as on 3rd Jan.

Pnb reported on 20th December, after that no update. Checked today.

 

[kushal.b]

Pnb reported on 20th December, after that no update. Checked today.

 

[Everybody]

Finally ICICI reported December 2024 ( After months Last was Sept 2024 until Yesterday). Also Date is still the bill generation date. Yet to observe the new dates.
And HDFC 01/07/2025.

 

[Nishan11]

Finally ICICI reported December 2024 ( After months Last was Sept 2024 until Yesterday). Also Date is still the bill generation date. Yet to observe the new dates.
And HDFC 01/07/2025.

Yes noticed same, ICICI have reported for December on statement generation date of cards but it was visible on cibil today only.

Bob has also reported my eterna, date of reporting 31/12/2024, but it was visible today.

IDFC has also reported for December on 31/12/2024, but showed up on cibil today.