Download CIBIL Report: Check Score and Fix Overdues

A CIBIL report is a record maintained by TransUnion CIBIL, one of the credit information companies (CICs) registered with the Reserve Bank of India (RBI). It shows your loan and credit card accounts, your repayment history, how many times your report has been checked by lenders, and your CIBIL score, which usually ranges from 300 to 900.

Lenders refer to this report when you apply for a loan or a credit card, since it gives them a quick view of how you have handled credit in the past. A higher score generally reflects consistent, on-time repayment, while missed or delayed payments can bring the score down.

Checking your own CIBIL report regularly is a useful habit. It helps you:

• Confirm that your loan and credit card accounts are reported correctly
• Spot errors, such as a closed loan still showing as active
• Track how recent repayments have affected your score
• Understand where you stand before applying for new credit

How to download your CIBIL report

Here is how to get it from the official CIBIL website:

1. Go to the official CIBIL website (cibil.com).
2. Select the option for your free annual credit report, or the paid CIBIL score and report plan if you would like more frequent access.
3. Register with your name, PAN, mobile number, email ID, and date of birth. Returning users can simply log in.
4. Complete identity verification, usually through an OTP sent to your registered mobile number.
5. Once verified, your CIBIL score and report will be generated on the dashboard.

6. Use the download option to save the report as a PDF for your records.

   
   

Under RBI's directive, one full report a year is free. Any additional report within the same year, or a subscription for more frequent checks, may involve a fee set by CIBIL. Always check the current terms on the CIBIL website before proceeding, since these can change from time to time.

What information is included in your CIBIL report

Your CIBIL report is divided into several sections, each providing valuable insights into your credit behaviour. Below is a breakdown of the key components:

Understanding these sections can help you identify areas for improvement and maintain a healthy credit profile.

Once you have your CIBIL report, knowing which sections to check helps you understand your credit standing quickly and catch any overdue entries before they affect your score further.

What sections of your CIBIL report matter the most

Your CIBIL report is organised into a few key sections. The Personal Information section lists your name, date of birth, PAN, and address, so this is the first place to check for errors. The Account Summary shows the total number of loans and credit cards, active and closed, along with your overall credit exposure. The Credit History or Account Information section lists each loan and card individually, along with the month-on-month repayment record. This is where overdue or DPD (Days Past Due) entries appear, usually as figures like 030, 060, or 090, showing how many days a payment was late. The Enquiries section shows which lenders have checked your report and when, which is useful to review if you are applying for credit soon.

What does an overdue EMI look like on your CIBIL report

When an EMI is not paid by its due date, the lender reports this to CIBIL and other credit bureaus as part of its regular monthly submission. On your report, this shows up as a DPD entry against that specific month, commonly tagged 30, 60, or 90-plus, depending on how many days the payment remained unpaid. A 30 DPD entry means the payment was up to 30 days late, while 90-plus indicates a more serious delay. These entries stay visible in your credit history for that reporting cycle and, unlike a single late fee, can affect your CIBIL score for a longer period, since lenders view a pattern of delays as a sign of higher credit risk.

Steps to improve your CIBIL score by clearing overdue EMIs

Clearing an overdue EMI does not repair your score immediately, but it stops further damage and starts the process of rebuilding your credit history. Here is what typically happens once you pay, and how Bajaj Finance customers can settle dues conveniently.

How clearing overdue EMIs repairs your credit history

Once you clear an overdue EMI, the lender updates this repayment in its next reporting cycle to the credit bureaus, which is usually monthly. Your CIBIL report will then reflect the payment as made, though the earlier DPD entry for that specific month generally remains on record as part of your credit history. With consistent, on-time repayment going forward, most borrowers see their CIBIL score gradually improve over the following three to six months. The pace of improvement depends on factors such as how overdue the payment was, your overall repayment record, and your credit utilisation. There is no fixed guarantee on timing or the extent of improvement, since this depends on individual credit profiles.

Using Bajaj Finance My Account to pay all overdue EMIs at once

If you have a loan with Bajaj Finance, you can clear overdue EMIs through the My Account customer portal or the Bajaj Finance app. After logging in with your registered mobile number and OTP, select the loan account with the pending EMI, then choose the overdue or missed EMI payment option. If you hold more than one loan with overdue instalments, My Account lets you view and settle these from a single dashboard rather than logging into separate sections for each loan. Payment can be completed through UPI, net banking, or a debit card. Do check the applicable penal or bounce charges shown on screen before confirming, since these are added to the overdue amount as per your loan agreement.