Maintaining an accurate and up-to-date credit report is an important part of long-term financial planning. Your CIBIL report reflects information shared by lenders, including loan details, repayment timelines, and credit enquiries. Reviewing this information periodically helps ensure that your credit profile remains aligned with your financial records.
TransUnion CIBIL is India’s leading credit bureau. It collects and maintains records of individuals’ and businesses’ credit-related activities such as loans and credit cards.
Banks and NBFCs regularly submit borrower data to CIBIL and other credit bureaus. Based on this data, your CIBIL report and CIBIL score are generated.
Other credit bureaus in India include:
Experian
Equifax
CRIF High Mark
Bajaj Finance shares customer credit information with CIBIL (Credit Information Bureau India Limited) in accordance with applicable reporting frameworks. This information includes loan accounts, repayment history, account status, and credit enquiries initiated during loan
A “written off” status reflects a lender’s internal accounting classification of an outstanding loan amount. This classification is based on defined criteria and does not change the borrower’s repayment responsibility.
How to avoid a loan write-off?
To avoid a loan being marked as ‘written off’, customers should adopt proactive repayment and monitoring practices such as:
DPD indicates the number of days between a scheduled payment date and the actual payment date recorded for a loan account. This information is reported periodically based on lender records.
Bajaj Finance reports Days Past Due (DPD) to credit bureaus strictly in line with the agreed repayment schedule and the actual payment behaviour on the loan account. The DPD status reflects whether instalments were paid on time, delayed, or missed, based on system-recorded due dates.
Consequences of DPD reporting
DPD information is shared with credit bureaus such as TransUnion CIBIL and forms part of your credit history. Repeated or prolonged delays may lower your credit score, affect future loan approvals, increase borrowing costs, or reduce eligibility for higher credit limits. Maintaining disciplined repayment behaviour is essential to preserve a healthy credit profile.
When a loan or credit application is submitted, a corresponding enquiry is recorded in the CIBIL report. These entries reflect credit checks conducted during the application process and remain visible for a defined period as per CIBIL guidelines.
When you apply for a loan or credit facility, a credit enquiry is generated and reflected in your credit report. This is a normal process followed across lenders and reported to credit bureaus such as TransUnion CIBIL.
Maintaining awareness of your credit report helps you stay informed about your overall credit profile and financial standing. Bajaj Finance reports loan details, including repayment history and Days Past Due (DPD), to credit bureaus strictly in accordance with the agreed loan terms and the customer’s actual repayment behaviour.
Your credit record reflects how consistently you meet your financial obligations. Timely EMI payments, adherence to due dates, and responsible credit usage are essential to maintaining a standard DPD status and a healthy credit score. Any delays, missed instalments, or repeated defaults are reported as part of the regular credit reporting framework and may affect future borrowing eligibility, interest rates, or approval decisions.
Bajaj Finance customers can use official customer service channels for general information about their loan accounts. However, maintaining a clean and positive credit profile ultimately depends on sustained financial discipline and consistent repayment performance.
You can improve your CIBIL score by paying EMIs and credit card dues on or before the due date, maintaining a low credit utilisation ratio, avoiding frequent loan applications, and keeping older credit accounts active where appropriate. Consistent repayment behaviour and responsible credit usage positively influence your credit profile over time.
Loan status reflects the current position of your loan account as reported by the lender. Common statuses include Active (ongoing loan with regular repayment), Closed (loan fully repaid), Settled (loan closed after partial payment agreement), and Written Off (loan marked as loss after prolonged non-payment).
An Active or Closed loan with timely repayments generally supports a healthy credit score. However, a Settled or Written Off status may negatively affect your credit profile, as it indicates incomplete repayment or prolonged default. Maintaining financial discipline helps ensure a positive credit history.
Lenders report repayment performance to credit bureaus strictly based on actual payment behaviour. Paying EMIs on time and avoiding delays ensures your Days Past Due (DPD) remains standard, which supports a stronger credit score and improves eligibility for future credit facilities.
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