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

 

[Raavan]

For SBI people
SBI reports on due date+3 days
My statement date was 19th. My due date was 9th so mostly my card got reported on 12th or 13th depending on 30/31st month.

With this logic in mind
I propose to keep your statement date on 23rd which makes your due date on 12th or 13th depending on 30/31st month.
For months with 31 days : 12th + 3 days = 15th
For months with 30 days : 13th + 3 days = 16th.

Which aligns your reporting for 2 days in a month instead of 3 days in month.

Alternatively you can choose 22nd as well, I chose 23rd because there are more months with 31 days.
Exception being February month statement that is March month reportings.
This is only for those who care about SBI reporting your outstanding to CIBIL.

Assumed that days between statement generation and due date is 20 days.