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New CIBIL Reporting Frequencies of Various Banks from January 2025

SSV

TF Reserve
Contributor
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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
 
Last edited:
So again a update,

IDFC also reporting 15/01/2024 ,earlier one was month end.
And Indus also reporting on 15/01/2024,earlier one was month end.

All these changes are visible on crif currently, Very soon gonna reflect the same in cibil.



For me now IndusInd is also getting reflected in CIBIL as on 15/01..
Kotak also got refelcted as on 15/01.

Updated the list with the above banks along with RBL and Federal
 
@SSV
Update:
SBI Card has reported to CIBIL on 15-01-2025, with the balance reflecting settled transactions.

Note: Transactions done on 14-01-2025 and 15-01-2025 (which were unsettled) were not included in the reported balance.

Previously, SBI Card used to report the statement balance as the current balance on due date + 3 days. For example, my statement date is 02nd of every month, and the last report by SBI was on 28-12-2024, reflecting the statement balance of 02-12-2024.

Now, SBI has changed its algorithm to report the current settled transaction balance on the 15th of the month. Based on this new reporting pattern, the next report is expected to be on 31-01-2025, reflecting the same balance of settled transactions.
@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.
 

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@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.
Thanks for the info. That's why I didn't add SBI in the list of the first post. Let's wait for one more month to see the trend
 
The interesting thing is : Amex had not reported the second report for the month (ie statement date +15) for me yet..
My statement date was 02/01/2025 and it was promptly reported on 4th or 5th..
But 17/01/2025 reporting is not done yet and today it is 28/01.. very strange.. probably amex may be rethinking about reporting dates again..not sure..

Hdfc is upto date, last one being as on 22/01
 
No-one got AU on cibil?
AU on Cibil reported on 15/01, last was 31st it is adopting to fortnightly pattern for sure.

However i noticed PNB changed card number with account number in cibil with reporting as new account then closed pervious one then suppressed the old account and migrated history to new account number of PNB CC.

For SBI they were as usual starting this month
And later decided to put reporting on Fortnightly which is 15/01 and month end, irrespective of their due date + 3 days pattern continue or not.

Icici reported last 30/11 however it is not the first time they missed reporting it seems it's their usual practice few time during the year.

I'm guessing first almost all banks start as per RBI BAMBOO them later this year they'll rethink about their strategy (keeping rivals in the sight), for example IDFC changed statment date for few cards it has something to do with their own implementation/future plans.

It seems few of them will come up with something interesting regarding credit reporting.


I've also noticed there's delay in data update for some set of customers of same lender.
 
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No-one got AU on cibil?
AU on Cibil reported on 15/01, last was 31st it is adopting to fortnightly pattern for sure.

However i noticed PNB changed card number with account number in cibil with reporting as new account then closed pervious one then suppressed the old account and migrated history to new account number of PNB CC.

For SBI they were as usual starting this month
And later decided to put reporting on Fortnightly which is 15/01 and month end, irrespective of their due date + 3 days pattern continue or not.

Icici reported last 30/11 however it is not the first time they missed reporting it seems it's their usual practice few time during the year.

I'm guessing first almost all banks start as per RBI BAMBOO them later this year they'll rethink about their strategy (keeping rivals in the sight), for example IDFC changed statment date for few cards it has something to do with their own implementation/future plans.

It seems few of them will come up with something interesting regarding credit reporting.


I've also noticed there's delay in data update for some set of customers of same lender.
Yes for this month AU also reported till 15/01/2025 to cibil and last report date was on 31/11/2024
AU also adopted fortnightly form this month
okay, shall I update AU with 15th and month end??
 
ICICI reported on 20th for both my accounts previously the used to report on bill dates but today after refresh found them reported on 20th, It will take a while to decode ICICI @SSV

IDFC is yet to update month mid
 
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ICICI reported on 20th for both my accounts previously the used to report on bill dates but today after refresh found them reported on 20th, It will take a while to decode ICICI @SSV

IDFC is yet to update month mid
Yup. They have reported on 20th over here also
Yes,
my coral account - as on 20/01
Apay cc account - still as on statement date
 
Just refreshed Cibil

ICICI has reported on 20th January for MMT Signature & Sapphiro.

For Amazon Pay statement date :- 12th December 2024

For Emeralde Metal statement date :- 18th December 2024
 
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Apay reported on 20/01 but other icici cards not reported yet last was November/24.

It will take few days till all batches gets reported

But still confusion is what's frequency.
 
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