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

 

[SSV]

Although ICICI and IDFC started reporting more frequently (although ICICI is not yet verified with confidence) they are two of the laziest banks to update across the CICs.

My IDFC accounts were reported as on 15/01 latest now..

Guys,
Shall I add IDFC to 15h and month end list now?? any more inputs from some more people??

 

[lightwaves]

My IDFC accounts were reported as on 15/01 latest now..

Guys,
Shall I add IDFC to 15h and month end list now?? any more inputs from some more people??

Mine was also updated on 15th. Looks like they will follow 15th and month end pattern.

 

[SSV]

Mine was also updated on 15th. Looks like they will follow 15th and month end pattern.

Thanks for the update… any more feedback about IDFC reporting from anyone??

 

[Anurag96]

IDFC first reported on 15/01/2025.

 

[SSV]

IDFC first reported on 15/01/2025.

Thank you.. added idfc to the first post

 

[Raavan]

This is for NBFCs
Piramal Finance
SMFG India Credit
These 2 have reported last on 15th January.
Navi Finserv - reported 15th Jan then 31st Jan.

Also SSV mention PNB in 15th and 31st category.

 

[EverybodyEverybody is verified member.]

Ok So STANC Reported on 15/01/2025. Earlier was different for sure.

And Surprisingly ICICI reported again on 31/01/2025 i.e. month end . Earlier was only bill gen date. Seems like icici catching up wid others. @SSV

 

[SSV]

Ok So STANC Reported on 15/01/2025. Earlier was different for sure.

And Surprisingly ICICI reported again on 31/01/2025 i.e. month end . Earlier was only bill gen date. Seems like icici catching up wid others. @SSV

They will and they have to .. probably by mid March we should get more clarity of the majority of the Banks.

 

[TrueColours]

SBI reported on 04 /02/2025 ( Old pattern: Due date + 3 days)

 

[Raavan]

SBI reported on 04 /02/2025 ( Old pattern: Due date + 3 days)

View attachment 83357

With this we know
SBI reporting pattern is

1. Due date + 3 days
2. 15th
3. 30th

 

[TrueColours]

Another important glaring omission was :
Amex didn’t report twice last month.. they reported only once is as on statement date.. very strange.. they were the first one who declared about these fortnightly reporting and they didn’t comply with it.. very very unlike Amex.. they must also be getting used to Indian standards, may be !!

Amex:

1. Statement date
2. Statement date + 15days

 

[SSV]

Amex:

1. Statement date
2. Statement date + 15days


View attachment 83420


View attachment 83421

okay , lets see. if they report mine twice this month..

 

[ReloadFin]

As someone already posted about sbi reporting again on due+ 3 days and let's see if they report twice apart from this old pattern then this will be set as new pattern

But surprisingly icici gemstone cards not reported for me except amazon pay card (20-01-25), gemstone cards last report in November 2024.

 

[Nishan11]

As someone already posted about sbi reporting again on due+ 3 days and let's see if they report twice apart from this old pattern then this will be set as new pattern

But surprisingly icici gemstone cards not reported for me except amazon pay card (20-01-25), gemstone cards last report in November 2024.

My icici amazon pay was last reported on 12th December 2024.

Evert other icici card was reported on 31st January 2025.

 

[Credit_Cards]

My icici amazon pay was last reported on 12th December 2024.

Evert other icici card was reported on 31st January 2025.

Typical ICICI behaviour

 

[Credit_Cards]

As someone already posted about sbi reporting again on due+ 3 days and let's see if they report twice apart from this old pattern then this will be set as new pattern

But surprisingly icici gemstone cards not reported for me except amazon pay card (20-01-25), gemstone cards last report in November 2024.

yes thats new pattern in making but need SSV approval which Shall happen by early March

 

[ReloadFin]

But surprisingly icici gemstone cards not reported for me except amazon pay card (20-01-25), gemstone cards last report in November 2024.

Update: Icici Apay again reported on 31-01-2025
but gemstone cards are not reported after November 2024.

For me apay reporting on 20th then month end.

 

[Raavan]

With this what i have understood for SBI is
1. Due date + 3 days
2. 15th
3. 30th

@SSV add this too.
On due date+3 days SBI reports statement balance whereas on 15th and 30th SBI reports outstanding as on date.

 

[Credit_Cards]

@SSV add this too.
On due date+3 days SBI reports statement balance whereas on 15th and 30th SBI reports outstanding as on date.

This was discussed before, once February end date is confirmed he will update

 

[Sobirvs]

interesting to know i closed 7-8 cards this month, like 1st week of feb and hdfc, icici, federal bank have closed the cards on cibil but the reporting date is of jan when the cards were active. I guess while closing cards on cibil doesn't matter reporting. Does everyone know this?