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

 

[SSV]

So you had outstanding balance on billed date but it wasn't reported.
Coz in order to improve cibil, I was pre-paying every bill before due date and with this fortnightly system it's even more confusing

my current score having 0 outstanding balances on every account..
EDIT: all active accounts are CC accounts only

 

[Riya]

my current score having 0 outstanding balances on every account..

View attachment 88069

Great... This could be a good strategy too now

 

[Raavan]

my current score having 0 outstanding balances on every account..

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@SSV do you have any secured loans as well?
I keep negative outstanding on cibil still it is at 789.
Total accounts 19
Credit enquiry total 39, last 2 months 7.
Age of credit 5y11m

Planning to take fd cc. Does amount of FD matters in case to increase score?

 

[SSV]

@SSV do you have any secured loans as well?

Nil .. all accouints are credit card accounts only..
Never taken HL also..

Planning to take fd cc. Does amount of FD matters in case to increase score?

no .. dont take this .. even though technically it is called as Secured loan , but it reality it was not taken as secured loan in CIBIL... I tried this option but it didn't work out the way it should have ..