Consumer Credit Information

System
Guide to Enquiry Input and Response File
Format

Mar 31, 2021

Version 2.50
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Table of Contents

Document History ................................................................................................................................ v

Overview............................................................................................................................................... 7

Who Should Use This Guide ................................................................................................................................ 7

Understanding the Tables in This Guide .............................................................................................................. 7

Enquiry Record .................................................................................................................................... 9

Required and When Available Segments .......................................................................................................... 10

Formatting an Enquiry Record ........................................................................................................................... 10
Things to Remember.......................................................................................................................................... 12
Enquiry Header Segment (TUEF) ...................................................................................................................... 14
Name Segment (PN) .......................................................................................................................................... 18
Identification Segment (ID)................................................................................................................................. 21
Telephone Segment (PT) ................................................................................................................................... 24
Address Segment (PA) ...................................................................................................................................... 27
Account Number Segment (PI) .......................................................................................................................... 31
End Segment (ES) ............................................................................................................................................. 32

Response Record .............................................................................................................................. 33

Secondary Response Records .......................................................................................................................... 35

Reading a Response Record ............................................................................................................................. 35
TUEF Response Header Segment .................................................................................................................... 37
Name Segment (PN) .......................................................................................................................................... 38
Identification Segment (ID)................................................................................................................................. 40
Telephone Segment (PT) ................................................................................................................................... 41
Email Contact Segment (EC) ............................................................................................................................. 42
Employment Segment (EM) ............................................................................................................................... 43
Enquiry Account Number Segment (PI) ............................................................................................................. 45
Score Segment (SC) .......................................................................................................................................... 46
Address Segment (PA) ...................................................................................................................................... 53
Account Segment (TL) ....................................................................................................................................... 55
Account Segment Summary (TL) – Summary for Other Live/Closed Accounts ......................................... 61
Account Segment Details (TL) – Details for Other Live/Closed Accounts .................................................. 63
CONSUMER CREDIT INFORMATION SYSTEM | DOCUMENT HISTORY

Enquiry Segment (IQ) ........................................................................................................................................ 67

Consumer Dispute Remarks Segment (DR) ...................................................................................................... 69
End Segment (ES) ............................................................................................................................................. 70

Error Record ...................................................................................................................................... 71

Error Segment (ERRR) ...................................................................................................................................... 72

User Reference Error Segment (UR) ................................................................................................................. 73
End Segment (ES) ............................................................................................................................................. 76

Appendix A – Account Type and Enquiry Purpose Table ............................................................... 77

Appendix B – Allowed and Disallowed Characters ......................................................................... 80

Appendix C – State / Union Territory Codes .................................................................................... 81

Appendix D – PIN Code Validation Table ......................................................................................... 82

Appendix E – Classification of Secured and Unsecured Loans ..................................................... 84

Appendix F – Score Reason Codes .................................................................................................. 86

Appendix G – Error Codes ................................................................................................................ 91

Appendix H – Error/Dispute Remarks Codes................................................................................. 100

Appendix I – CIBIL Remarks Codes ............................................................................................... 101

Annexure B ...................................................................................................................................... 105

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CONSUMER CREDIT INFORMATION SYSTEM | DOCUMENT HISTORY

Document History

Version Date of Change Description

2.20 Jun 17, 2015 Rebranding.

2.21 Aug 27, 2015 Added UR Tag 19 to return reason for reason why the request is
rejected.

2.22 Sep 17, 2015 Revised the description for the ES segment and the Length of
Transmission when it exceeds 9999999.

2.23 Sep 24, 2015 Revised to allow PIN Code from 900000 to 999999 for APO address
(or State Code = 99).
Added a gender type for Transgender.
Added two new account types and enquiry purposes for Loan on Credit
Card and Business Loan – Unsecured.
Added a status flag “Restructured due to Natural Calamity” to Written-
Off & Settled Status.
2.24 Oct 22, 2015 Removed Business Loan – Director Search from account types,
enquiry purposes and loan types.
2.26 Jan 15, 2016 “Rolled Back” Version 2.25 with contained invalid account types and
enquiry purposes.
Added Secondary Response Record Section
2.27 Mar 3, 2016 Added account types and enquiry purposes of:
38 - Prime Minister Jaan Dhan Yojana - Overdraft
39 - Mudra Loans – Shishu / Kishor / Tarun
44 - Pradhan Mantri Awas Yojana - Credit Link Subsidy Scheme MAY
CLSS
50 - Business Loan – Secured
2.28 Mar 14, 2016 Revised the handling of consumer name presented as a single name
word.
2.29 Apr 21, 2016 Revised to include Universal ID (UID) Number as of the the required ID
types.
2.30 Jun 9, 2016 Updated Min/Max PinCode for state Pondicherry in Appendix D.

2.31 Dec 21, 2016 Revised the SC segment to include CreditVision Demonetisation
Algorithms.
2.32 Jun 15, 2017 Revised the SC segment to include CreditVision Algorithms.

2.34 Jun 30, 2017 Used the reserved field at positions 32-33 as GST State Code in the
request Header segment.
Added Account Types 31 and 35 to Tag 12 of the TL segment.

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CONSUMER CREDIT INFORMATION SYSTEM | DOCUMENT HISTORY

Version Date of Change Description

2.35 Jul 27, 2017 Revised the field name and comments for Tags 34-40 of the SC
segment.
2.36 Feb 18, 2018 Added P2P Enquiry Purposes

2.37 Dec 05, 2018 Added CreditVision Risk Score (CIBILTUSC3)

2.38 Jan 15, 2019 Updated CreditVision Risk Score Reason Codes

2.39 Feb 05, 2019 Revised CreditVision Risk Score definitions

2.40 Mar 28, 2019 Rebranded as CreditVision© (CIBILTUSC3) Score

2.41 Apr 8, 2019 Added Reason Code 54

2.42 May 17, 2019 Added Income Estimator Score (CIBILTUIE1)

2.43 May 29, 2019 Revised the Score Options and Output formats for Income Estimator

2.44 Feb 04, 2020 Revised the Score Options, Output formats and Score Response for
Income Estimator 2.
2.45 Mar 16, 2020 Modified Score Response to remove Point Estimate Income

2.46 Mar 30, 2020 Incorporated UAT comments and remove CIBILTUIE1 reference

2.47 Mar 31, 2020 Remove all references to CIBILTUIE1 for response and combo scores

2.48 May 29, 2020 Added iSPIRIT Enquiry Purpose and Account Type codes

2.49 Jun 25, 2020 Added GECL Loan Enquiry Purpose and Account Type codes

2.50 Mar 31, 2021 Field Name is changed from “Written-off and Settled Status” to “Credit
Facility Status”

New status Restrucured due to COVID-19 added

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CONSUMER CREDIT INFORMATION SYSTEM | OVERVIEW

Overview
This guide describes how to create an Enquiry Record and receive a response from Credit
Information Bureau (India) Limited (CIBIL). The Enquiry Input and Response File Format is used
by members using CPU-to-CPU and Tape-to-Tape modes of transmission to request and
receive Credit Information Reports (CIRs), Individual Information Reports (IIRs), Portfolio
Review Reports, Locate Plus Reports (LP), and Locate Plus for Insurance Reports (LPI). CIBIL
uses the information in the Enquiry Record to generate a response. The response is returned to
the member either as a Machine-Readable Formatted Response Record or as a Print Image
Report.

If a member requests the Output Format as Machine-Readable Formatted Response Record

and an error occurs, CIBIL returns an Error Record; a user-friendly error message is returned in
case of a Print Image Report.

Who Should Use This Guide

This guide must be used by all the people involved in using or developing the Enquiry Format
and understanding or decoding the Response Record received from CIBIL. For the purpose of
this guide, we assume that the reader is familiar with basic computer programming concepts
and terminology.

Understanding the Tables in This Guide

The tables in this guide describe the segments that make up the Enquiry and Response File
Format. These tables contain all the fields that can make up each segment. The column
headings in these tables are consistent throughout the guide. Each of these column headings is
explained in the following bullet points:
 Position
The starting position of a field in a fixed-length segment.

 Field Tag
The two-byte tag that identifies each field in a variable-length segment.

 Field Name
The name of each field.

 Field Type
Fields are classified as one of the following:

 Required: Information in these fields must be furnished. Missing or invalid

information in these fields in any of the segments will cause the entire record to
be rejected.

 When Available: Information in these fields must be furnished when available

with the member. In case the information is not available, members are
encouraged to capture the same information for new accounts and update
existing accounts in their database.

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 See Comments: Special circumstances separate this type of field from the
above classifications. The Comments column in the table explains the special
conditions.

 Character Type
Identifies the type of character appearing in a field. The values that appear in this
column are:

 A: Alphabetic – only letters are used.

 N: Numeric – only whole numbers are used, unless otherwise specified for
signed numeric.
 D: Decimal – only one or more digits, followed by “.” (decimal point), then one or
more digits as specified (e.g. 99.27).
 A/N: Alphanumeric – letters and numbers can be used.
 A/N*: Alphanumeric with space – letters, numbers and spaces can be used.
 P: Printable – any printable characters can be used (specifically, ASCII [32-126],
“space”, “–”, “~”).

 Length Type
Identifies whether the field is of a fixed length or a variable length. The values that
appear in this column are:

 F: Fixed Length – the field must be of the specified byte length.

 V: Variable Length – the number of bytes contained in this field is variable, but
cannot exceed the maximum length of the field.

 Maximum Length
If the length of a field is fixed, this column shows the number of bytes that the field
must contain. If a field’s length is variable, this column shows the maximum number
of bytes that the field may contain.

 Comments
This column contains special instructions and/or specific values (highlighted in bold
type) that can appear in a field. When specific values appear in this field, only those
values are valid.

 Date Field
All dates have the format: DDMMYYYY.

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Enquiry Record
All segments in the Enquiry Record are variable in length except the TUEF and ES segments,
which have fixed lengths. Each segment has a maximum length and minimum and maximum
number of entries.

The following table describes the different segments that make up an Enquiry Record.

These segments appear in an Enquiry Record in the following order: TUEF, PN, ID, PT, PA, PI,
and ES. This order must be followed for every enquiry. Of these, five segments are required:
TUEF, PN, ID or PT, PA and ES.

Segment Segment Segment Segment Number of Entries Maximum

Tag Name Length Type Length
Minimum Maximum

TUEF TUEF Fixed Required 1 1 115

Enquiry
Header

PN Name Variable Required 1 1 174

ID Identification Variable Required++ 0++ 8 47 each

PT Telephone Variable Required++ 0++ 4 51 each

PA Address Variable Required* 1 2 259 each

PI Account Variable Required** 1 4 36 each

Number When 0 4
Available

ES End Fixed Required 1 1 15

Segment

* The current address is always required, and the Permanent address

Note
should be provided When Available.

** When the Enquiry Purpose (Positions 94-95 of the TUEF Enquiry

Header Segment) is “Account Review”, “Retro Enquiry” or “Locate Plus”
then PI is also a required segment.

++ At least one of the valid Identification (ID) segment with either Income
Tax ID Number, Passport Number, Voter ID Number or Driver’s License
Number, or valid Telephone (PT) segment should be present except
when the Enquiry Purpose (Positions 94-95 of the TUEF Enquiry Header
Segment) is “Account Review”, “Retro Enquiry” or “Locate Plus”.

Refer to the tables that describe the fields in each segment to determine if
a field is required, When Available, or See Comments.

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Required and When Available Segments

A segment is either Required or When Available. Required segments must be present in an
Enquiry Record. In the absence or rejection of any of the required segments, the entire Enquiry
Record is rejected.

When Available segments must be furnished if information is available in the credit application
form/internal system. They provide information that the system can use in conjunction with
required segments to generate a more accurate and complete response.

For example, Mr. Haren Patel receives his mail at two different addresses, and an enquiry for
Haren Patel contains both of these addresses. The response generated from that Enquiry
Record would logically be more accurate than a response generated from only one address.
Refer to the Maximum Number of Entries column in the preceding table to determine how many
times each segment can occur. When Available segments that exceed the maximum number
allowed are ignored.

Formatting an Enquiry Record

Fixed length segments contain only fixed-length fields. To format a fixed-length segment, place
the data specified in each field in the correct position.

At the end of each fixed-length segment description, a total byte counter indicates the required
segment length. A fixed-length segment must contain the number of bytes associated with it.
This means that each field in this type of segment is of a specific, fixed length, and not of a
variable length.

Variable-length segments contain both fixed-length and variable-length fields. To format a

variable length segment:
 Supply the two-byte tag identifying the field (refer to the Field Tag column in tables of
variable-length segments).

 Supply a two-byte length that indicates how many bytes (or characters) are in the
field value.

 Supply the field value.

For example, the name HAREN PATEL would appear as 0111HAREN PATEL in the Consumer
Name Field1 of the Name Segment (PN). In this example, 01 is the Field Tag and 11 is the Field
Length of the data in the field.

At the end of each variable-length segment description, a counter indicates its maximum
possible length. For example, the Name Segment (PN) can be up to 174 bytes if every field is
supplied and each data element in those fields is of the maximum length. The breakdown of the
total 174 bytes is:

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Field Size

8 two-byte tags (Field Tags PN to 08) 16 bytes

8 two-byte lengths 16 bytes

Sum of all maximum field lengths 142 bytes

Total bytes in PN segment 174 bytes

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Things to Remember
The following information is crucial to properly formatting data and will be observed strictly. The
system will reject all fields that violate the following criteria. Remember that:
 Rejected Required fields cause a default value, if any, to be assumed or the entire
Enquiry Record is rejected.

 Rejected fields that are not classified as required cause a default value, if any, to be
assumed, or the field is ignored.

Rejected fields do not help generate accurate credit reports, so please take the time to read and
use the following information:
 Alphanumeric (A/N) and Alphabetic (A) fields of a fixed length must be left-justified.
Any open positions in a fixed-length field of these types must be filled with spaces.

 Numeric (N) fields of a fixed length must be right-justified. Any open positions in a
fixed-length field of this type must be filled with zeros.

 If a field contains the wrong type of character, it will be rejected. For example, if an
alphabetic character is reported when the field requires a numeric character, the field
is rejected. The converse is also true.

 When values appear in the Comments column, note that these are the only valid
values for the field. Other values will be rejected.

 Some field tag numbers are intentionally skipped. For example, in the Name
Segment (PN), Tag 06 is skipped resulting in Tag 07 following Tag 05.

 The Date of Birth (DOB) must be a valid calendar date in DDMMYYYY format. For
example, 16022000 is the equivalent of February 16, 2000. The DOB must contain
eight digits; if the field contains fewer than eight digits, the Enquiry Record will be
rejected. The DOB must be more recent than 01011900 and earlier than the system
date.

 Monetary amounts must be expressed in whole numbers (for example, 1, 51693,

309820).

 If the member captures both Current and Permanent addresses for a consumer, then
each address must be reported.

 Special edit checks are used to reject an Enquiry Record if any of the following
conditions are detected:

 Incomplete or insufficient name and address data. For example, a person called
MEHTA who has an address with only MUMBAI in the Enquiry Record.

 Non-individual records.

 Overseas addresses.

 Each Enquiry Record must begin with a TUEF Enquiry Header Segment (TUEF)
and end with an End Segment (ES), which marks the end of an Enquiry Record.

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 Joint accounts applicants must be enquired upon separately, as two distinct

enquiries. For example, Mr. Atul E Patel and Mrs. Veena A Patel should be enquired
upon as two separate enquiries – Enquiry 1 - “MR. ATUL E PATEL” and Enquiry 2 -
“MRS. VEENA A PATEL.” This rule is also applicable to enquiries on “Authorised
User” or the “Guarantor” to a consumer.

 Annexure B should accompany input files each time when enquiries are submitted to
CIBIL. Incomplete or non-submission of Annexure B can cause a delay in
processing.

 Input file name should conform to this format:

<ENQUIRY MEMBER ID> - <Date of file creation in DDMMYYYY format> - <File creation time in
HHMMSS format>.tuef

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Enquiry Header Segment (TUEF)

The TUEF Enquiry Header Segment marks the beginning of the Enquiry Record, and:
 It is a required segment.
 It is of a fixed size of 115 bytes.
 It can appear only once per Enquiry Record.
 All the fields must be provided; otherwise the entire Enquiry Record is rejected.
 All fields must be valid.

Position Field Name Character Fixed Comments

Type Length

1 Segment Tag A 04 Must contain the value TUEF.

5 Version N 02 Must contain the value 12.

7 Member P 25 The Member should specify the value to be

Reference returned on the Response Record or the Print
Number Image Report. Typically, it could be a unique
credit application/reference number.
Any non-printable characters will be replaced by
spaces.

32 GST State P 02 The member should specify the GST state code
Code of the member branch / office making the enquiry.
Please refer to the State / Union Territory Codes
values in Appendix C.
The state code (99) for APO Address is not
allowed and any invalid state code provided will
be ignored.

34 Enquiry P 30 Must contain the Enquiry Member User ID

Member User assigned by CIBIL to the Member.
ID

64 Enquiry A/N 30 Must contain the Enquiry Password assigned by

Password CIBIL to the Enquiring Member User ID. Any
password with less than 30 characters should be
padded with trailing blanks.

94 Enquiry N 02 Please refer to the Account and Enquiry Type

Purpose values in Appendix A.

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Position Field Name Character Fixed Comments

Type Length

96 Enquiry Amount N 09 This amount must be a whole number.

If the Enquiry Purpose is other than “Account
Review”, “Retro Enquiry”, “Locate Plus”, or
“Locate Plus for Insurance” then it must be
greater than zero. Zero is permissible for Account
Review, Retro Enquiry, Locate Plus, and Locate
Plus for Insurance.
If the Enquiry Purpose is “For Individual”, the
Enquiry Amount will be always reset to
000000000.

105 Future Use A 03 Fill with blanks.

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Position Field Name Character Fixed Comments

Type Length

108 Score Type N 02 Possible values are:

00 = Not requesting a score.
01 = Requesting the CIBIL TransUnion Score
Version 1.0 (CIBILTUSCR) only.
02 = Requesting the Personal Loan Score
(PLSCORE) only.
03 = Requesting both the CIBILTUSCR and
PLSCORE scores.
04 = Requesting the CIBIL TransUnion Score
Version 2.0 (CIBILTUSC2) only.
06 = Requesting both the CIBILTUSC2 and
PLSCORE scores.
08 = Requesting the CreditVision© Score
(CIBILTUSC3) only.
10 = Requesting both CreditVision© Score
(CIBILTUSC3) and PLSCORE.
12 = Requesting the Income Estimator Score
(CIBILTUIE2) only.
13 = Requesting both Income Estimator Score
(CIBILTUIE2) and CIBILTUSC3.
15 = Requesting Income Estimator Score
(CIBILTUIE2), CIBILTUSC3 and PLSCORE

Defaults to 00 if none of the available scores is

selected.
If the Enquiry Purpose (Positions 94-95 of the
TUEF Enquiry Header Segment) is “Retro
Enquiry” and the Score Type is 00 or invalid, the
Score Type will be reset to 04.
If the Enquiry Purpose (Positions 94-95 of the
TUEF Enquiry Header Segment) is “Locate Plus”,
“Locate Plus for Insurance” or “For Individual”, the
Score Type will be ignored and always reset to
00.

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Position Field Name Character Fixed Comments

Type Length

110 Output Format N 02 Specify the type of response CIBIL should return.
Valid values are:
01 = Machine-Readable Formatted
Response Record
02 = Print Image Report
04 = Tab-delimited Report (This option is currently
not available. If 04 is populated in the input TUEF
string, the system defaults it to 01.)

Defaults to 01 if an invalid value is provided.

112 Response Size N 01 Must contain the value 1.

Defaults to 1 if an invalid value is provided.

113 Input/Output A 02 Specify the input and output media used for the
Media enquiry. Valid values are:
CC = CPU-to-CPU
TT = Tape-to-Tape
Account Review, Retro, Locate Plus and Locate
Plus for Insurance Enquiries can use only TT.
Income Estimator Score could be requested only
through CC.

115 Authentication A 01 Specify the way to authenticate the Enquiry

Method Member User ID and the Enquiry Password fields.
Valid values are:
L = Legacy
A = Advanced
Any invalid value provided in this field will be reset
to the value of L.

Total bytes: 115

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Name Segment (PN)

The PN Segment contains information about the consumer applying for credit, and:
 It is a required segment.
 It is variable in length and can be a maximum of 174 bytes.
 It can appear only once per Enquiry Record.
 Tag 06 is reserved for future use.

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

PN Segment Required A/N F 03 Must contain the value N01.

Tag

01 Consumer Required A V 26 Consumer name is required. Use

Name as many Consumer Name fields as
Field1 necessary to provide the complete
02 Consumer See A V 26 consumer name.
Name Comments The Consumer Name fields must
Field2 contain the full name of the
consumer and must have at least
03 Consumer See A V 26
one word (but not just one initial).
Name Comments
Field3 Members are encouraged to
capture and provide full, expanded
04 Consumer See A V 26 names instead of initials.
Name Comments
Field4

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

05 Consumer See A V 26 If the Consumer Name fields

Name Comments contain only just one word but the
Field5 word is too generic and the system
will still considered as invalid name
and leads to a rejection of the
Enquiry Record.
Disallowed Characters, as specified
in Appendix B, Numbers, and
Commercial Names should not be
entered in any of these fields. This
will lead to a rejection of the
Enquiry Record.
Please refer to the list of Allowed
and Disallowed Characters in
Consumer Name Field1 to Field5 in
Appendix B.
Salutations are not considered to
be part of a valid name, though
they may be present.
Do not split name words between
two fields. For example, do not put
“PAT” in Consumer Name Field1
and “EL” in Consumer Name Field2
to complete the word PATEL.
When a name word will not fit in its
entirety in one Consumer Name
field, put that word in the next
available Consumer Name field.
In case of the consumer name
consists one word,
father/mother/husband’s name
must be submitted with S/O, W/O
and D/O (e.g. AMIT S/O SUNIL).
Do not truncate names.

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

07 Date of See N F 08 Is a required field for all enquiries,

Birth Comments except when the Enquiry Purpose
(Positions 94-95 of the TUEF
Enquiry Header Segment) is
“Account Review”, “Retro Enquiry”
or “Locate Plus”.
Must contain a valid date in
DDMMYYYY format.
The date in this field must be more
recent than 01011900 and must be
16 years earlier than the system
date.

08 Gender See N F 01 Is a required field for all enquiries,

Comments except when the Enquiry Purpose
(Positions 94-95 of the TUEF
Enquiry Header Segment) is
“Account Review”, “Retro Enquiry”
or “Locate Plus”.
Valid values are:
1 = Female
2 = Male
3 = Transgender

Sum of all maximum byte lengths: 142

Sum of all two-byte tags and two-byte lengths: 32

Maximum byte size of segment: 174

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CONSUMER CREDIT INFORMATION SYSTEM | ENQUIRY RECORD

Identification Segment (ID)

The ID Segment contains identification information about the consumer applying for credit, and:
 If the Consumer Name contains only one (name) word, this is a Required segment. If
this segment is not provided (with ID Type of 01, 02, or 06, the Enquiry Record is
rejected.
 This is a required segment (with ID Type of 01, 02, 03, 04, or 06) when no valid
Telephone (PT) segment is provided except when the Enquiry Purpose (Positions
94-95 of the TUEF Enquiry Header Segment) is “Account Review”, “Retro Enquiry”
or “Locate Plus”.
 It is variable in length and can be a maximum of 47 bytes.
 This can occur maximum of 8 times per Enquiry Record.
 The ID Type(s) should be unique within the same Enquiry Record.

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

ID Segment Required A F 03 Must contain the value I01.

Tag If multiple ID segments are to be
provided the first segment contains
I01, the second contains I02 and
so on up to I08.

01 ID Type Required N F 02 Indicates the type of ID.

Possible values are:
01 = Income Tax ID Number (PAN)
02 = Passport Number
03 = Voter ID Number
04 = Driver’s License Number
05 = Ration Card Number
06 = Universal ID Number (UID)
07 = Additional ID #1 (For Future
Use)
08 = Additional ID #2 (For Future
Use)

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Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

02 ID Number See P V 30 For ID Type 01, Income Tax ID

Comments Number
Permanent Account Number
(PAN) as defined by the Income
Tax department.
For example, ABCPD1234E
If present, must be a minimum of
10 characters (excluding delimiters
such as space, hyphen, etc.).
The first five characters must be
letters, followed by four numbers,
and followed by a letter. The fourth
letter must be either P or H;
otherwise, the PAN will be ignored.
____________________________
For ID Type 02, Passport Number
As defined by the India Security
Press.
For example, A-9388067
If present, must be a minimum of 7
and a maximum of 10 characters
(excluding delimiters such as
space, hyphen, etc.).
The first character must be a letter,
and the remaining characters must
be numbers.

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Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

00 For ID Type 03, Voter ID Number

Elector’s Photo Identity Card
(EPIC) number, as issued by the
Election Commission.
If present, must be a minimum of 9
characters (excluding delimiters
such as space, hyphen etc.).
Old format:
For example, MT/08/039/0060725
New format:
For example, AAA/999999/0
At least the first two, and no more
than the first three characters must
be letters, and the remaining must
be numbers.
____________________________
For ID Type 06, Universal ID
Number, is required when the field
is present in the member’s internal
system. If present must it contain
12 numeric characters (excluding
delimiters such as space, hyphen
etc.)

Note that the 12th numeric

character is a check digit of the
previous 11 numeric characters
and if that is invalid then the ID will
be rejected.
____________________________
For all other ID Types
Is required when the field is
present in the member’s internal
system.
No validation will be performed.

Sum of all maximum byte lengths: 35

Sum of all two-byte tags and two-byte lengths: 12 

Maximum byte size of segment: 47 

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Telephone Segment (PT)

The PT Segment contains the known phone numbers of the consumer, and:
 This is a required segment when no valid Identification (ID) segment with either
Income Tax ID Number, Passport Number, Voter ID Number, Driver’s License
Number or Universal ID Number is provided except when the Enquiry Purpose
(Positions 94-95 of the TUEF Enquiry Header Segment) is “Account Review”, “Retro
Enquiry” or “Locate Plus”.
 It is variable in length and can be of a maximum size of 51 bytes.
 This can occur maximum of 4 times per Enquiry Record.

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

PT Segment Required N F 03 Must contain the value T01.

Tag If multiple PT segments are to be
provided, the first segment
contains T01, the second contains
T02 and so on.

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Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

01 Telephone Required P V 20 Is required when the field is

Number present in the member’s internal
system and when the ID segment
is not present.
If present, must be a minimum of
five digits.
Telephone numbers must not start
with “1”.
Any Indian mobile telephone
number starting with “6”,”7”,“8” or
“9” requires a minimum of 10 digits.
An International Standard Dialing
(ISD) number requires a minimum
of nine digits.
Multiple telephone numbers are
allowed only if Telephone Type is
00.
If more than one telephone number
is entered when Telephone Type is
00, they must be separated by
delimiters such as backward slash
(\), forward slash (/), comma (,),
colon (:), semicolon (;) or
ampersand (&) sign.
The telephone number identified in
this field with straight
descending/ascending sequence
(e.g., 876543/234567) or same
digits (e.g., 222222) will be edited
out from the input field. Also when
multiple telephone numbers are
provided, a truncated telephone
number at the end of the field
would be edited out as well (e.g.,
5436734,645231,012 3. The last
no. "012 3" is clearly a truncated
no. and this would be edited out
from the input.). Only the edited
Telephone number would be used
for further field validation.

02 Telephone When A/N V 10

Extension Available

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Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

03 Telephone Required. N F 02 Valid types are:

Type 00 = Not Classified
01 = Mobile Phone
02 = Home Phone
03 = Office Phone
Invalid type will be defaulted to 00.
Sum of all maximum byte lengths: 35 

Sum of all two-byte tags and two-byte lengths: 16 

Maximum byte size of segment: 51 

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Address Segment (PA)

The PA Segment(s) contain(s) the known address(es) of the consumer, and:
 It is a required segment.
 It is variable in length and can be a maximum of 259 bytes.
 It occurs at least once, but no more than twice per Enquiry Record. Where possible,
enter the Current Address in the first Address Segment and the Permanent Address
in the second Address Segment.

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

PA Segment Required A/N F 03 Must contain the value A01. If two

Tag PA segments are entered, the first
segment (Current Address) must
contain A01, and the second
segment (Permanent Address) must
contain A02 in this field. If no
Current Address is available, then
the Permanent Address should be
entered twice.

01 Address Required P V 40 Consumer address is required. Use

Line1 as many Address Line fields as
necessary to provide the complete
02 Address See P V 40 consumer address.
Line2 Comments It must be a complete address,
03 Address See P V 40 which includes within Address Line1
Line3 Comments to Address Line5, the following:
Location, City/Town, and/or District,
04 Address See P V 40 State, and PIN Code.
Line4 Comments

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Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

05 Address See P V 40 Must be a minimum length of 3 for

Line5 Comments Address Line1.
Do not split words between two
fields. For example, do not put “FLA”
in Address Line1 and “T” in Address
Line2 to complete the word FLAT.
When a word will not fit in its entirety
in one address line field, put that
word in the next available address
line field.
Do not truncate addresses.
Overseas addresses are not
acceptable.
For all enquiries requested except
when the Enquiry Purpose
(Positions 94-95 of the TUEF
Enquiry Header Segment) is
“Account Review”, “Retro Enquiry”
or “Locate Plus”.
State and PIN Code are required
within Address Line1 – Line5, if they
are not provided separately in fields
State Code (Field Tag 06) and PIN
Code (Field Tag 07), respectively.

06 State Required N F 02 Is a required field, except when the

Code Enquiry Purpose (Positions 94-95 of
the TUEF Enquiry Header Segment
(TUEF)) is “Account Review”, “Retro
Enquiry” or “Locate Plus”.
For APO address, if this field is a
required field, then the State Code
must be provided. If the State Code
is not known, then it should be set to
99.
Please enter the 2-digit code for the
State / Union Territory as specified
in Appendix C.
State Code will take precedence
over the State name in the Address
Line1 to Address Line5, if both are
provided.

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Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

07 PIN Code Required P V 10 Is a required field, except when the

Enquiry Purpose (Positions 94-95 of
the TUEF Enquiry Header Segment
(TUEF)) is “Account Review”, “Retro
Enquiry” or “Locate Plus”.
If present, all characters other than
the digits 0-9 shall be stripped out.
The remaining value must be
exactly 6 digits long, and the last
three digits must not be all zeroes
(“000”). However, for APO address,
if this field is a required field, then
the PIN Code must be provided. If
the PIN Code is not known, then it
should be set to the value between
900000 and 999999.
For example, all of the following are
valid PIN codes: “604002”,
“604002”, “604-002”, “900000”, “900
000”.
The following are NOT valid PIN
codes: “604”, “604000”,
“6040020000”, “0000604002”,
“901234”.
Please refer to Appendix D for
additional information on PIN Code
validation.
PIN Code provided in this field will
take precedence over the (free-
format) PIN Code provided in the
Address Line1 to Address Line5, if
both are provided.

08 Address Required N F 02 Valid values are:

Category
01 = Permanent Address
02 = Residence Address
03 = Office Address
04 = Not Categorized
Invalid value will be defaulted to 04.

09 Residence When N F 02 Valid values are:

Code Available
01 = Owned
02 = Rented

Sum of all maximum byte lengths: 219

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Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

Sum of all two-byte tags and two-byte lengths: 40

Maximum byte size of segment: 259

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Account Number Segment (PI)

The PI Segment(s) contain(s) the account number(s) of account(s) that the consumer has with
other member(s) and/or the Enquiring Member itself, and:
 It is a required segment if the Enquiry Purpose (Positions 94-95 of the TUEF Enquiry
Header Segment) is “Locate Plus”, “Account Review” or “Retro Enquiry,” for all other
enquiries it is a When Available segment.
 It is variable in length and can be of a maximum size of 36 bytes.
 It occurs no more than 4 times per Enquiry Record.

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

PI Segment Required A/N F 03 Must contain the value I01. If two,

Tag three, or four account segments are
entered, the first segment tag must
contain I01, second must contain I02,
the third I03, and the fourth I04.

01 Account Required P V 25 Must contain only account number of

Number loans/advances or credit card
numbers and not
current/savings/deposit account
numbers.
Please note that when the Enquiry
Purpose (Positions 94-95 of the
TUEF Enquiry Header Segment
(TUEF)) is “Account Review”, “Retro
Enquiry”, or “Locate Plus”, the
account number must be provided
and should be the same as provided
to CIBIL during data submission.

Sum of all maximum byte lengths: 28

Sum of all two-byte tags and two-byte lengths: 08

Maximum byte size of segment: 36

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End Segment (ES)

The ES Segment marks the end of the Enquiry Record, and:
 It is a required segment.
 It is of a fixed size of 15 bytes.
 It can appear only once per Enquiry Record.

Position Field Name Character Fixed Comments

Type Length

1 Length of A/N 09 Must contain the value ES05NNNNN, where

Record NNNNN is the total length of the Enquiry Record
(including the End Segment (ES)), left-padded with
zeros.

10 End Characters N 06 Must contain the value 0102 followed by two

asterisks (**).

Total bytes 15

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Response Record
The Response Record is a variable length Machine-Readable Formatted Response Record and
is generated only when the value in the Output Format Field (Positions 110-111 of the TUEF
Enquiry Header Segment) in the Enquiry Record is 01.

The following table describes the segments that make up the Response Record. All segments
are variable in length except the TUEF and ES Segments, which have fixed lengths. Each
segment has a maximum length, and a minimum and maximum number of entries. These
segments appear on a Response Record in the following order: TUEF, PN, ID, PT, EC, EM, PI,
SC, PA, TL, IQ, DR and ES.

Segment Segment Segment No. of Entries Maximum

Tag Name Type Length
Minimum Maximum

TUEF TUEF Fixed 1 1 94

Response
Header

PN Name Variable 1 1 253

ID Identification Variable 0 8 76 each

PT Telephone Variable 0 4 56 each

Unlimited***

EC Email Variable 0 4 81 each

Contact Unlimited***

EM** Employment Variable 0 1 127

PI* Enquiry Variable 1 4 36 each

Account
Number

SC** Score Variable 0 2 1313 each

PA Address Variable 1 4 296 each

0*** Unlimited***

TL** Account Variable 0 Unlimited 516 each

IQ Enquiry Variable 0 Unlimited 59 each

DR Consumer Variable 0 1 463 each

Dispute
Remarks

ES End Fixed 1 1 17

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* When the Enquiry Purpose (Positions 94-95 of the TUEF Enquiry

Note
Header Segment) is “Locate Plus” then PI is also a required segment.
When the Enquiry Purpose is "Locate Plus for Insurance" then PI is
returned if it is submitted in the request with valid value. This segment is
not applicable to all other enquiry purposes.

** These segments (EM, SC and TL) are not applicable to “Locate Plus”
or "Locate Plus for Insurance" enquiries. The SC segment is not
applicable to “For Individual” enquiries.

*** When the Enquiry Purpose (Positions 94-95 of the TUEF Enquiry
Header Segment) is “Locate Plus” or "Locate Plus for Insurance" then the
maximum no. of entries for these segments is unlimited and the minimum
is 0 (when it is a no-hit report). For all other enquiry purposes the
maximum no. of entries is 4 and the minimum is 1.

For a Portfolio Review Response Record, the Account Segment (TL) is divided into five parts:
 Account Segment (Details for Own Accounts, if available)
 Account Segment Summary (Summary for Other Live Accounts)
 Account Segment Details (Details for Other Live Accounts, if available)
 Account Segment Summary (Summary for Other Closed Accounts)
 Account Segment Details (Details for Other Closed Accounts, if available)

The following table describes the Account Segment (TL) components in Portfolio Review.

Segment Segment Segment Number of Entries Maximum

Tag Name Type Length
Minimum Maximum

TL Own Accounts Variable 0 Unlimited 516 each

TL Summary of Variable 2 2 106 each

Other Live
Accounts

TL Details of Other Variable 0 Unlimited 300 each

Live Accounts

TL Summary of Variable 2 2 106 each

Closed Live
Accounts

TL Details of Other Variable 0 Unlimited 300 each

Closed Accounts

It is important to remember the following for the purpose of Portfolio Review:

 Own Accounts: Details of accounts reported by the Enquiring Member. For
example, when XYZ Bank is doing a Portfolio Review, the details of all the accounts
reported by XYZ Bank for that borrower will be displayed in the same format as
displayed in the Credit Information Report.

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 Other Accounts: Details of accounts not reported by the Enquiring Member. The
details of other accounts are provided in two parts: live accounts and closed
accounts. The live and closed accounts are further classified into Secured and
Unsecured Loans.

 Live Accounts: All accounts that do not have a value reported in the field Date
Closed (Field Tag 10, TL Segment).

 Closed Accounts: All accounts that have a value reported in the field Date Closed
(Field Tag 10, TL Segment).

 Classification of Secured and Unsecured Loans: In case of accounts not reported

by the Enquiring Member, “loan types” would be reported as Secured or Unsecured
Loans as classified in Appendix E.

 Account Segment Summary: The summary segment will contain a count and
summation of the High/Credit Sanctioned Amount and Current Balance of Secured
and Unsecured Loans. This summary will be shown separately for Live and Closed
accounts.

Secondary Response Records

Secondary files are those that match the input but are not merged into the primary file due to
some conflicting indicative information. In a multiple credit file response, only the Primary file
has its full credit details returned. Secondary files have only their Indicative details shown, ie the
Name, ID, Telephone, Email, and Address segments. Credit data such as Trade, Employment,
Score, and Enquiry details are suppressed from the response record.

Which members receive secondary files and the maximum number of secondary subjects
returned is dependent upon configurations specific to the member. When multiple response
records are returned, only the first response record contains the enquiry control number in the
Enquiry Control No field; any subsequent response records that have a an enquiry control
number of zero should be considered as secondary subjects.

Reading a Response Record

Reading a fixed-length segment in a Response Record requires finding each field’s specified
position in that segment. At the end of each fixed-length segment description, a total byte
counter indicates how long each of these segments must be. A fixed-length segment contains
the specified number of bytes associated with it. This means that each field in this type of
segment is of a specific, fixed length and not of a variable length.

Reading a variable-length segment requires finding each field’s tag and length in order to
identify the value in that field. For example, to find the Date Reported and Certified field in the
Account segment:
 Locate the Account Segment Tag (TL) in the Response Record. The Account
Segment follows the last Address Segment (PA).

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 Locate Tag 11, the Date Reported and Certified field in the Account Segment (TL).
Immediately following the field tag is the field’s length. Because this is a date field,
the length is always 08. These two together appear as 1108, with 11 being the Field
Tag and 08 being the Field Length.

 The value of the field follows the field tag and field length. If the account was
reported on September 25, 2000 then the date would appear as 25092000.

 The Date Reported and Certified field in the Account Segment (TL) appears as
110825092000.

At the end of each variable length segment description, a counter indicates the maximum length
of the segment. For example, the Account Segment (TL) can be a maximum of 516 bytes if
every field is supplied and each data element in those fields is the maximum length. The
breakdown of the total 516 bytes is:

Field Size

36 two-byte tags (Field Tags TL to 99) 72 bytes

36 two-byte lengths 72 bytes

Sum of all maximum field lengths 368 bytes

Total bytes in TL segment 516 bytes

It is also important to remember that:

 When the system does not find the enquired subject during the enquiry process, a
no-hit report is returned.

 If the Enquiry Purpose (Positions 94-95 of the TUEF Enquiry Header Segment) is
not “Account Review”, “Retro Enquiry”, “Locate Plus”, or "Locate Plus for
Insurance", then the consumer is added as a new subject to the CIBIL database.

 This enquiry made on the consumer is displayed in response to future enquiries

made on the same consumer. The details of the “no-hit” enquiry will be returned
the next time a credit report is requested for the consumer.

 All dates in the Response Record are in DDMMYYYY format. For example,
16022000 is the equivalent of February 16, 2000.

 Some fields in the Response Record contain specific values. These values are listed
in the Comments column of the following tables.

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TUEF Response Header Segment

The TUEF Response Header Segment marks the beginning of the Response Record, and:
 It is of a fixed size of 94 bytes.
 It can appear only once per Response Record.

Position Field Name Character Fixed Comments

Type Length

1 Segment Tag A 04 Contains the value TUEF.

5 Version N 02 Contains the value 12.

7 Member A/N 25 Contains the value supplied by the Member in the

Reference TUEF Enquiry Header Segment of the Enquiry Record.
Number Filled with blanks if the value was not supplied.

32 Future Use A 02 Filled with blanks.

34 Future Use N 04 Filled with zeros.

38 Enquiry P 30 Contains the Enquiry Member User ID supplied by the

Member User Member in the TUEF Enquiry Header Segment of the
ID Enquiry Record.

68 Subject N 01 Valid values are:

Return Code 0 = Not found
1 = Found

69 Enquiry N 12 Contains a system-generated enquiry control number.

Control
Number

81 Date N 08 Contains the date when the enquiry was made.

Processed Format is DDMMYYYY.

89 Time N 06 Contains the time when the enquiry was made.

Processed Format is HHMMSS.

Total bytes: 94

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Name Segment (PN)

The PN Segment contains information about the consumer applying for credit, and:
 It is variable in length and can be of a maximum size of 253 bytes.
 It can appear only once per Response Record.
 Tag 06 is reserved for future use.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

PN Segment Tag A/N F 03 Contains the value N01.

01 Consumer P V 26 Note that Consumer Name may contain

Name Field1 disallowed characters and numbers.
02 Consumer P V 26
Name Field2

03 Consumer P V 26
Name Field3

04 Consumer P V 26
Name Field4

05 Consumer P V 26
Name Field5

07 Date of Birth N F 08 Format is DDMMYYYY.

08 Gender N F 01 Values are:

1 = Female
2 = Male
3 = Transgender

80 Date of Entry N F 08 Contains the date when the error code was
for Error Code entered. Format is DDMMYYYY.

81 Error Segment A F 02 Error segment tag registered within the

Tag error/dispute resolution process.
This field will contain a value of “ZZ” in case
if there are errors/disputes across multiple
segments or if there are no errors/disputes.
Otherwise, the segment tag as per TUDF
Guide should be used (e.g. PA for the
Address segment).

82 Error Code N F 03 Error Code registered within the

error/dispute resolution process.
Refer to Appendix G for list of codes.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

83 Date of Entry N F 08 Contains the date when the CIBIL remarks

for CIBIL code was entered. Format is DDMMYYYY.
Remarks Code

84 CIBIL Remarks A/N F 06 Refer to Appendix I for list of codes.

Code

85 Date of Entry N F 08 Contains the date when the error/dispute

for remarks codes were entered. Format is
Error/Dispute DDMMYYYY.
Remarks Code

86 Error/Dispute A/N F 06 Contains up to 2 error/dispute remarks

Remarks Code codes.
1 Refer to Appendix H for list of codes.

87 Error/Dispute A/N F 06
Remarks Code
2

Sum of all maximum byte lengths: 189

Sum of all two-byte tags and two-byte lengths: 64

Maximum byte size of segment: 253

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Identification Segment (ID)

The ID Segment(s) contain(s) the known identification numbers of the consumer applying for
credit, and:
 It is variable in length and can be of a maximum size of 76 bytes.
 It can occur up to 8 times per Response Record with maximum of one segment per
ID Type.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

ID Segment Tag A F 03 Contains the value I01. If multiple ID

segments are returned, the first segment
contains I01, the second contains I02, and
so on up to I08.

01 ID Type N F 02 Values are:

01 = Income Tax ID Number (PAN)
02 = Passport Number
03 = Voter ID Number
04 = Driver’s License Number
05 = Ration Card Number
06 = Universal ID Number (UID)
07 = Additional ID #1 (For Future Use)
08 = Additional ID #2 (For Future Use)

02 ID Number P V 30

03 Issue Date N F 08 Format is DDMMYYYY.

04 Expiration Date N F 08 Format is DDMMYYYY.

90 Enriched A F 01 Only the value of Y is returned when

Through Enquiry applicable.

Sum of all maximum byte lengths: 52

Sum of all two-byte tags and two-byte lengths: 24

Maximum byte size of segment: 76

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Telephone Segment (PT)

The PT Segment(s) contain(s) the known telephone numbers of the consumer applying for
credit, and:
 It is variable in length and can be of a maximum size of 56 bytes.
 It can occur up to 4 times per Response Record for all enquiries except when
enquiry purpose is “Locate Plus” or “Locate Plus for Insurance”.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

PT Segment Tag N F 03 Contains the value T01. If multiple PT

segments are returned, the first segment
contains T01, the second contains T02,
and so on up to T04.

01 Telephone P V 20
Number

02 Telephone A/N V 10
Extension

03 Telephone Type N F 02 Types are:

00 = Not Classified
01 = Mobile Phone
02 = Home Phone
03 = Office Phone

90 Enriched A F 01 Only the value of Y is returned when

Through Enquiry applicable.

Sum of all maximum byte lengths: 36

Sum of all two-byte tags and two-byte lengths: 20

Maximum byte size of segment: 56

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Email Contact Segment (EC)

The EC Segment(s) contain(s) the known email addresses of the consumer applying for credit,
and:
 It is variable in length and can be of a maximum size of 81 bytes.
 It can occur up to 4 times per Response Record for all enquiries except when
enquiry purpose is “Locate Plus” or “Locate Plus for Insurance”.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

EC Segment Tag A F 03 Contains the value C01. If multiple EC

segments are returned, the first segment
contains C01, the second contains C02,
and so on up to C04.

01 E-Mail ID P V 70

Sum of all maximum byte lengths: 73

Sum of all two-byte tags and two-byte lengths: 08

Maximum byte size of segment: 81

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Employment Segment (EM)

The EM Segment(s) contain(s) the known employment related information of the consumer
applying for credit, and:
 It is variable in length and can be of a maximum size of 127 bytes.
 It can occur once per Response Record.
The employment segment is not applicable to Locate Plus or Locate Plus for Insurance
enquiries.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

EM Segment Tag A F 03 Must contain the value E01.

01 Account Type N F 02 Please refer to the Account and Enquiry

Type values in Appendix A.

02 Date Reported N F 08 This is the most recent date the

and Certified Reporting Member reported and certified
information about the employment
related information to CIBIL.
Format is DDMMYYYY.

03 Occupation Code N F 02 Codes are:

01 = Salaried
02 = Self Employed Professional.
03 = Self Employed
04 = Others

04 Income N V 09

05 Net/Gross Income A F 01 Values are :

Indicator G = Gross Income
N = Net Income

06 Monthly/Annual A F 01 Values are :

Income Indicator M = Monthly
A = Annual

80 Date of Entry for N F 08 Contains the date when the error code
Error Code was entered. Format is DDMMYYYY.

82 Error Code N F 03 Error Code registered within the

error/dispute resolution process.
Refer to Appendix G for list of codes.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

83 Date of Entry for N F 08 Contains the date when the CIBIL

CIBIL Remarks remarks code was entered. Format is
Code DDMMYYYY.

84 CIBIL Remarks A/N F 06 Refer to Appendix I for list of codes.

Code

85 Date of Entry for N F 08 Contains the date when the error/dispute

Error/Dispute remarks codes were entered. Format is
Remarks Code DDMMYYYY.

86 Error/Dispute A/N F 06 Contains up to 2 error/dispute remarks

Remarks Code 1 codes.
Refer to Appendix H for list of codes.
87 Error/Dispute A/N F 06
Remarks Code 2

Sum of all maximum byte lengths: 71

Sum of all two-byte tags and two-byte lengths: 56

Maximum byte size of segment: 127

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Enquiry Account Number Segment (PI)

The PI Segment(s) contain(s) the account number(s) of account(s) provided by the TUEF
request, and:
 It is a required segment if the Enquiry Purpose is “Locate Plus”. It is a When
Available if the Enquiry Purpose is "Locate Plus for Insurance". This segment is not
applicable to all other enquiries.
 It is variable in length and can be of a maximum size of 36 bytes.
 It can occur up to 4 times per Response Record.

Field Field Field Character Length Maximum Comments

Tag Name Type Type Type Length

PI Segment Required A/N F 03 Contains the value I01. If multiple

Tag Enquiry Account Enquiry segments
are returned, the first segment
contains I01, the second contains
I02, the third contains I03, and the
fourth I04.

01 Account Required P V 25 Contains the account no. as

Number provided in the PI segment in the
TUEF request.

Sum of all maximum byte lengths: 28

Sum of all two-byte tags and two-byte lengths: 08

Maximum byte size of segment: 36

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Score Segment (SC)

The three major components of the Score segment are:
 Score (Tag 04)
 Reason Codes (Tags 25-29)
 CreditVision Demonetisation Algorithms (Tags 30-33)
 CreditVision Algorithms (Tags 34-40)
 Exclusion Codes (Tags 05-14)

The score segment appears up to three per Response Record. For more information on the
score, please see the guides Understanding the CIBIL TransUnion Score (CIBILTUSCR),
Understanding_the_score_2.0 (CIBILTUSC2), Understanding_CV_Score (CIBILTUSC3),
Understanding the Income Estimator Score (CIBILTUIE2) and Understanding the CIBIL
TransUnion Personal Loan Score (PLSCORE).

The score segment is not applicable to "Locate Plus", "Locate Plus for Insurance", and “For
Individual” enquiries.

**CreditVision algorithms will be delivered ONLY ON SUBSCRIPTION under tag 30 onwards.

The Output String contains the following format:

Field Field Name Character Length Maximum Comments

Tag Type Type Length

SC Score Name A/N F 10 CIBIL TransUnion Score Name.

Possible names are:
CIBILTUSCR for CIBIL TransUnion
Score Version 1.0
PLSCORE for Personal Loan Score
CIBILTUSC2 for CIBIL TransUnion
Score Version 2.0
CIBILTUSC3 for CreditVision© Score
CIBILTUIE2 for Income Estimator Score

01 Score Card Name N F 02 Values are:

01 for CIBILTUSCR
02 for PLSCORE
04 for CIBILTUSC2
08 for CIBILTUSC3
12 for CIBILTUIE2

02 Score Card Version N F 02 Contains the value 10.

03 Score Date N F 08 Current date on which the score is

generated. Format: DDMMYYYY.

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04 Score N F 05 For CIBIL TransUnion Score Version 1.0

- Score range is between 300 and 900;
two zeroes (00) prefix the score, but in
some cases score can be 0 or -1. -1 for
No-Hit or subject with only enquiries and
0 for subjects where the earliest open
trade is less than six months old across
all channels or there is a error code.

For CIBIL TransUnion Score Version 2.0

- Score range is between 300 and 900
for consumers with more than 6 months
of credit history*; for others (new to
credit subjects with less than 6 months
credit history*) the score range can be
between 1 and 5.
Two zeroes (00) prefix the score when
the range is between 300 to 900.
A score of -1 is returned for subjects that
are new to credit or do not have enough
information to score*.
A score of 0 is returned for subjects
when there is an error.
*At least one tradeline with credit
information updated, in the last 36
months (or 24 months, as applicable) is
required

For CreditVision® Score (CIBILTUSC3)

– Score range is between 300 and 900
Example: The score of 3 is returned as
00003 in the output string. The score
456 is formatted as 00456 in the output
string.
The value -1 is returned as 000-1 in the
output string and it returned for subjects
that are new to credit or do not have
enough information to score*
*At least one tradeline with credit
information updated, in the last 36
months (or 24 months, as applicable) is
required

For Income Estimator Score

(CIBILTUIE2) – Score between 1 and 10

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Field Field Name Character Length Maximum Comments

Tag Type Type Length
which specifies the Income segment of a
particular individual
Example: The score of 5 is returned as
00005 in the output string.
The value -1 is returned as 000-1 in the
output string and it returned for subjects
having not enough information on
bureau

Sc Bnd Income Band (INR) – IE2

1 0 - **2.4L

2 2.4L – **4.8L

3 4.8L – **7.2L

4 7.2L – **9.6L

5 9.6L – **12L

6 12L – **15L

7 15L – **18L

8 18L – **21L

9 21L – **24L

10 24L and more

**Does not include the upper value, ie,

for 0-**2.4L scenario, 2.4L not included

05 Exclusion Code 1 A/N V 02 One or more trades with suit filed status
in the past 24 months.
A value of 01 when this exclusion is
applied.
Exclusion codes are not relevant for
CreditVision® Score and Income
Estimator Score
06 Exclusion Code 2 A/N V 02 One or more trades with wilful default
status in the past 24 months.
A value of 01 when this exclusion is
applied.
07 Exclusion Code 3 A/N V 02 One or more trades with suit filed (wilful
default) status in the past 24 months.
A value of 01 when this exclusion is
applied.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

08 Exclusion Code 4 A/N V 02 One or more trades written off in the

past 24 months.
A value of 01 when this exclusion is
applied.
09 Exclusion Code 5 A/N V 02 One or more trades with suit filed and
written off status in the past 24 months.
A value of 01 when this exclusion is
applied.
10 Exclusion Code 6 A/N V 02 One or more trades with wilful default
and written off status in the past 24
months.
A value of 01 when this exclusion is
applied.
11 Exclusion Code 7 A/N V 02 One or more trades with suit filed (wilful
default) and written off status in the past
24 months.
A value of 01 when this exclusion is
applied.
12 Exclusion Code 8 A/N V 02 No eligible trade for scoring.
A value of 01 when this exclusion is
applied.

Please note that the Exclusion Code

8 is applicable to Personal Score
(PLSCORE) only.
13 Exclusion Code 9 A/N V 02 One or more trades with restructured
debt in the past 24 months.
A value of 01 when this exclusion is
applied.
14 Exclusion Code 10 A/N V 02 One or more trades with settled debt in
the past 24 months.
A value of 01 when this exclusion is
applied.
Tags 15 - 24 are fixed and defined for additional Exclusion Codes (10) for future use.

25 Reason Code 1 A/N V 02 A reason code is an explanation of a

specific credit factor that can be
26 Reason Code 2 A/N V 02 improved.
Up to five reason codes can be
27 Reason Code 3 A/N V 02 returned. Refer to Appendix F for the list
of reason codes.
28 Reason Code 4 A/N V 02
Reason codes are not relevant for
29 Reason Code 5 A/N V 02 Income Estimator Score

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

30 CreditVision P V 25 This tag returns the missed payment

Demonetisation ratio in the last 12 months (lag required)
Algorithm 1 for trades, and only when the enquiry
member is configured to receive this
additional scoring information.
Please note that the CreditVision
Demonetisation Algorithm 1 is
applicable to CIBIL TransUnion Score
verion 1.0/2.0/3.0
(CIBILTUSCR/CIBILTUSC2/CIBILTUS
C3) only.

31 CreditVision P V 25 This tag returns the number of accounts

Demonetisation with 90 or more days past due ever, and
Algorithm 2 only when the enquiry member is
configured to receive this additional
scoring information.
Please note that the CreditVision
Demonetisation Algorithm 2 is
applicable to CIBIL TransUnion Score
verion 1.0/2.0/3.0
(CIBILTUSCR/CIBILTUSC2/CIBILTUS
C3) only.

32 CreditVision P V 25 This tag returns the aggregate excess

Demonetisation payment for bankcard accounts over the
Algorithm 3 past 6 months, and only when the
enquiry member is configured to receive
this additional scoring information.
Please note that the CreditVision
Demonetisation Algorithm 3 is
applicable to CIBIL TransUnion Score
verion 1.0/2.0/3.0
(CIBILTUSCR/CIBILTUSC2/CIBILTUS
C3) only.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

33 CreditVision P V 25 This tag returns the number of non-

Demonetisation mortgage balance decreases over the
Algorithm 4 past quarter, and only when the enquiry
member is configured to receive this
additional scoring information.
Please note that the CreditVision
Demonetisation Algorithm 4 is
applicable to CIBIL TransUnion Score
verion 1.0/2.0/3.0
(CIBILTUSCR/CIBILTUSC2/CIBILTUS
C3) only.

34 Bureau P V 99 These 7 tags, when concatenated, will

Characteristics provide a total of 693 characters to hold
#1/7 the results (if available) from Bureau
35 Bureau P V 99 Characteristics, as determined by
Characteristics subscriber settings.
#2/7 The results will be formatted with pipe (|)
36 Bureau P V 99 as a field separator between the
Characteristics algorithm name and the result, and
#3/7 comma (,) as a separator between each
set of algorithm result, i.e.
37 Bureau P V 99
Characteristics <AlgoName1>|<Result1>,<AlgoNam
#4/7 e2>|<Result2>,...,<AlgoNameN>|
<ResultN>
38 Bureau P V 99
Characteristics Note that only Tag 34 will be returned if
#5/7 the results is less than 100 characters,
or Tags 34 and 35 will be returned if less
39 Bureau P V 99 than 199 characters, and vice versa.
Characteristics
#6/7 Please note that the Bureau
Characteristics, including
40 Bureau P V 99 CreditVision, are applicable to CIBIL
Characteristics
TransUnion Score verion 1.0/2.0/3.0
#7/7
(CIBILTUSCR/CIBILTUSC2/CIBILTUS
C3) only.

Tags 41 - 74 are fixed and defined for additional reason codes (34) for future use.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

75 Error Code N F 05 This tag is only returned when error is

encountered. Possible values are:
00001 = FID Not Found
00002 = Duplicate FID
00003 = Error related to Consumer Data
Issue
00004 = Error related to Database Issue
00005 = Error during score calculation

Sum of all maximum byte lengths: 1097

Sum of all two-byte tags and two-byte lengths: 216

Maximum byte size of segment: 1313

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Address Segment (PA)

The PA Segment(s) contain(s) the known address(es) of the consumer applying for credit, and:
 It is variable in length and can be of a maximum size of 296 bytes.
 Tag 11 is returned only when enquiry purpose is “Locate Plus” or "Locate Plus for
Insurance". This tag is not applicable to all other enquiry purposes.
 It occurs at least once but no more than 4 times, per Response Record for all
enquiries except when enquiry purpose is “Locate Plus” or “Locate Plus for
Insurance”.
 For enquiry when enquiry purpose is “Locate Plus” or “Locate Plus for Insurance”,
this segment is not required when it is a no-hit report, otherwise it occurs with no
limit.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

PA Segment Tag A/N F 03 Contains the value A01. If multiple PA

segments are returned, the first segment
contains A01, the second contains A02, and
so on up to A04.
When Enquiry Purpose is “Locate Plus” or
“Locate Plus for Insurance”, this field will
contain A99 for all PA segments beyond the
first 99 PA segments.

01 Address Line1 P V 40

02 Address Line2 P V 40

03 Address Line3 P V 40

04 Address Line4 P V 40

05 Address Line5 P V 40

06 State Code N F 02 Please refer to the list of State/Union

Territory Codes appearing in Appendix C.

07 PIN Code P V 10

08 Address P F 02 Values are:

Category 01 = Permanent Address
02 = Residence Address
03 = Office Address
04 = Not Categorized

09 Residence Code N F 02 Values are:

01 = Owned
02 = Rented

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

10 Date Reported N F 08 The date when this address was first

reported to CIBIL by any Member.
Format is DDMMYYYY.

11 Member Short A/N* V 16 When Enquiry Purpose is “Locate Plus” or

Name “Locate Plus for Insurance”, this field
contains the member short name of this
reported address.
For “Locate Plus” and “Locate Plus for
Insurance”, those members who request
that their name not be disclosed, the value
returned will be “Not Disclosed.”
For “Locate Plus” and “Locate Plus for
Insurance” it will only display the Short
Name of the member when the enquiry has
been made by the member itself.
For all other Enquiry Purposes, this tag is
not applicable.

90 Enriched A F 01 Only the value of Y is returned when

Through Enquiry applicable.

Sum of all maximum byte lengths: 244

Sum of all two-byte tags and two-byte lengths: 52

Maximum byte size of segment: 296

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Account Segment (TL)

The TL Segment contains the credit information of the consumer applying for credit, and:
 It is variable in length and can be of a maximum size of 516 bytes.
 It can appear unlimited number of times per Response Record.
 Ordering of TL segments will be based on Account Group in descending order, then
Account Type in ascending order, and finally Date Opened/Disbursed in descending
order (i.e. more recently opened accounts first).
 Tags 01, 06, 07 and 15-27 are reserved for future use.

The account segment is not applicable to Locate Plus or Locate Plus for Insurance enquiries.

Note The following table also describes the Accounts Segment (Own
Accounts) segment of the Accounts Segment in a Portfolio Review
Response Record.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

TL Segment Tag A/N F 04 Contains the value T001. If multiple TL

segments are returned, the first segment
contains T001, the second contains
T002, and so on.
This field will contain T999 for all TL
segments beyond the first 999 TL
segments.

02 Reporting Member A/N* V 16 This field will contain the Short Name of
Short Name the Reporting Member who reported this
Account.
For Reporting Members who request that
their names should not be disclosed, the
value returned will be “Not Disclosed.”
However, it will display the Short Name of
the member for accounts reported by
itself.
If the enquiry purpose is “For Individual”,
the rules above will not apply and the
Short Name of the Reporting Member will
always be shown.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

03 Account Number P V 25 This field will contain the Account

Number of the consumer if the credit has
been obtained from the Member itself or
else the field will be suppressed.
If the enquiry purpose is “For Individual”,
the account number will always be shown
and will be masked. The Account Number
will show "X" for all but the last four
alphabets/digits, i.e. "XXXX4321" for
account number "987654321". The
account number will be left-padded with
zeros if less than 4 digits, i.e.
"XXXX0012" for account number "12".

04 Account Type N F 02 Please refer to the Account and Enquiry

Type values in Appendix A.

05 Ownership N F 01 Valid values are:

Indicator 1 = Individual
2 = Authorised User (refers to
supplementary credit card holder)
3 = Guarantor
4 = Joint

08 Date N F 08 This is the date of first disbursement of

Opened/Disbursed the account.
For Credit/Fleet cards, this is the date the
card becomes active.
Format is DDMMYYYY.

09 Date of Last N F 08 This is the most recent date a payment

Payment was made on the account.
Format is DDMMYYYY.

10 Date Closed N F 08 This is the date the account was closed.

Format is DDMMYYYY.

11 Date Reported and N F 08 This is the most recent date the

Certified Reporting Member reported and certified
information about the account to CIBIL.
Format is DDMMYYYY.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

12 High N V 09 For Credit Card (Account Type 10), Fleet

Credit/Sanctioned Card (Account Type 16), Secured Credit
Amount Card (Account Type 31) and Corporate
Credit Card (Account Type 35), this field
contains the highest amount of credit
used in the history of the account.
For all other accounts, this field contains
the amount of loan sanctioned.
This amount is a whole number and is
assumed to be positive.

13 Current Balance N V 10 The entire amount of credit/loan,

including the current and overdue portion,
if any, outstanding as of the date in the
Date Reported and Certified field. This is
inclusive of interest for Credit Cards
(Account Type = 10), but for the other
Account Types, this is exclusive of
interest.
The maximum length for this field is 10
bytes, where the first 9 bytes represent
numbers and the last byte has been
reserved for a positive (+) or a negative (-
) sign.
This amount must be a whole number
and can be either positive (+) specifically
with debit balance or negative (-)
specifically with credit balance. If the
balance is zero, report as 0.
If a sign appears in this field, it must
appear at the end of the field. If no sign
appears, it is assumed to be positive.
This field must contain the value zero in
case of all closed accounts where
balance is zero.
Amount is in Indian Rupees.

14 Amount Overdue N V 09 The amount past due as of the date

reported in the Date Reported and
Certified field.
This amount is a whole number and is
assumed to be positive.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

28 Payment History 1 A/N V 54 The most recent 18 months of Payment

History. Each month displays the Number
of Days Past Due (NDPD)/Asset
Classification (AC) for that month. The
first value in the payment history string is
the NDPD/AC, as of the date reported in
the Date Reported and Certified field.
For accounts that are closed and where
the Date Closed field is provided, the first
value in the payment history string is the
NDPD/AC, as of the date reported in the
Date Closed field.
If the value for a month is reported as
XXX, it means the Reporting Member did
not report data for that account for that
particular month.
If, instead of NDPD, AC is reported, the
following values will be displayed:
STD = Standard
SMA = Special Mention Account
SUB = Substandard
DBT = Doubtful
LSS = Loss
XXX = Not Reported

29 Payment History 2 A/N V 54 Up to 18 remaining previous months in

the Payment History. Each month
displays the NDPD/AC for that month.

30 Payment History N F 08 This is the date of the beginning of the

Start Date payment history.
Format is DDMMYYYY.

31 Payment History N F 08 This is the date of the end of the payment

End Date history.
Format is DDMMYYYY.

32 Suit Filed / Wilful N F 02 Status are:

Default 00 = No Suit Filed
01 = Suit filed
02 = Wilful default
03 = Suit filed (Wilful default)

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

33 Credit Facility N F 02 Status are:

Status 00 = Restructured Loan
01 = Restructured Loan (Govt.
Mandated)
02 = Written-off
03 = Settled
04 = Post (WO) Settled
05 = Account Sold
06 = Written Off and Account Sold
07 = Account Purchased
08 = Account Purchased and Written Off
09 = Account Purchased and Settled
10 = Account Purchased and
Restructured
11 = Restructured due to Natural
Calamity
12 = Restructured due to COVID-19

34 Value of Collateral N V 09

35 Type of Collateral P V 02 Values are:

00 = No Collateral
01 = Property
02 = Gold
03 = Shares
04 = Saving Account and Fixed Deposit
36 Credit Limit N V 09 To be shown when Account Type field is
10.

37 Cash Limit N V 09 To be shown when Account Type field is

10.

38 Rate Of Interest D V 08 Report numeric value without the

percentage sign.
One or more digits followed by the
decimal point, followed by one or more
digits.
Maximum number of digits before the
decimal point is 4.
Maximum number of digits after the
decimal point is 3.

39 Repayment Tenure N V 03 To be the count of number of months for

repayment.

40 EMI Amount N V 09

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

41 Written-off Amount N V 09 To be reported when Credit Facility

(Total) Status field is reported as 02, 03, or 04.

42 Written-off Amount N V 09 To be reported when Credit Facility

(Principal) Status field is reported as 02, 03, or 04.

43 Settlement Amount N V 09 To be reported when Credit Facility

Status field is reported as 03 or 04.

44 Payment N F 02 Values are :

Frequency 01 = Weekly
02 = Fortnightly
03 = Monthly
04 = Quarterly

45 Actual Payment N V 09
Amount

80 Date of Entry for N F 08 Contains the date when the error code
Error Code was entered. Format is DDMMYYYY.

82 Error Code N F 03 Error Code registered within the

error/dispute resolution process.
Refer to Appendix G for list of codes.

83 Date of Entry for N F 08 Contains the date when the CIBIL

CIBIL Remarks remarks code was entered. Format is
Code DDMMYYYY.

84 CIBIL Remarks A/N F 06 Refer to Appendix I for list of codes.

Code

85 Date of Entry for N F 08 Contains the date when the error/dispute

Error/Dispute remarks codes were entered. Format is
Remarks Code DDMMYYYY.

86 Error/Dispute A/N F 06 Contains up to 2 error/dispute remarks

Remarks Code 1 codes.
87 Error/Dispute A/N F 06 Refer to Appendix H for list of codes.
Remarks Code 2

Sum of all maximum byte lengths: 368

Sum of all two-byte tags and two-byte lengths: 148

Maximum byte size of segment: 516

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ACCOUNT SEGMENT SUMMARY (TL) – SUMMARY FOR OTHER

LIVE/CLOSED ACCOUNTS
The TL Segment Summary contains a count and summary (summation of the values reported in
High Credit/Sanctioned Amount and Current Balance) of the secured and unsecured loans. The
summary will be shown for live accounts and closed accounts of the consumer whose credit is
being reviewed, and:
 It is variable in length and can be of a maximum size of 106 bytes.
 It can appear only 4 times per Response Record.

Note The following table is applicable only for the Account Segment Summary
(Summary for Other Accounts) part of the Portfolio Review Response
Record.

Field Tag Field Name Character Length Maximum Comments

Type Type Length

TL Segment A/N F 04 Contains the value T001. If multiple TL

Tag segments are returned, the first segment
contains T001, the second contains T002,
and so on.
This field will contain T999 for all TL
segments beyond the first 999 TL segments.

02 Reporting P V 16 This field will always contain

Member ACCTREVIEW_SUMM.
Short Name

03 Number of P V 25 This field will contain the number of

Accounts accounts of the consumer, for that account
group.

04 Account N F 02 Values are:

Group 98 = Secured
99 = Unsecured
Please refer Appendix E for classification of
Account Type into Secured and Unsecured
Loans.

05 Live/Closed N F 01 Values are:

Indicator 0 = Live Accounts
1 = Closed Accounts

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Field Tag Field Name Character Length Maximum Comments

Type Type Length

12 Credit Limit / N V 15 This field contains the sum of all the

High Credit / amounts of loan sanctioned.
Sanctioned For Credit Card and Fleet Card, this field
Amount
contains the highest amount of credit used
in the history of the account. For all other
accounts, this field contains the amount of
loan sanctioned.
Credit Limit will take precedence over High
Credit/Sanctioned Amount when both
amounts provided in the account.
This amount is a whole number and is
assumed to be positive.

13 Current N V 15 This field contains the sum of credit/loan,

Balance including the current and overdue portion, if
any, outstanding as of the date in the Date
Reported and Certified field.
This is inclusive of interest for Credit Cards
(Account Type = 10), but for the other
Account Types, this is exclusive of interest.
This amount is a whole number and could
be either positive (+) with a debit balance or
negative (-) with a credit balance. If the
balance is zero, it will report as 0.
If a sign appears in this field, it will appear at
the beginning of the field. If no sign appears,
we assume it to be positive.

Sum of all maximum byte lengths: 78

Sum of all two-byte tags and two-byte lengths: 28

Maximum byte size of segment: 106

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ACCOUNT SEGMENT DETAILS (TL) – DETAILS FOR OTHER LIVE/CLOSED

ACCOUNTS
The TL Segment contains the credit information (others) of the consumer, whose account is
being reviewed, and:
 It is variable in length and can be of a maximum size of 300 bytes.
 It can appear an unlimited number of times per Response Record.

Note The following table is applicable only for the Account Segment Summary
(Summary for Other Accounts) part of the Portfolio Review Response
Record.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

TL Segment Tag A/N F 04 Contains the value T001. If multiple TL

segments are returned, the first segment
contains T001, the second contains T002,
and so on.
This field will contain T999 for all TL
segments beyond the first 999 TL
segments.

04 Account Group N F 02 Values are:

98 = Secured
99 = Unsecured
Please refer to Appendix E for
classification of Account Type into
Secured and Unsecured Loans.

08 Date Opened / N F 08 This is the date of first disbursement of

Disbursed the account.
For Credit/Fleet cards, this is the date the
card becomes active.
Format is DDMMYYYY.

09 Date of Last N F 08 This is the most recent date a payment

Payment was made on the account.
Format is DDMMYYYY.

10 Date Closed N F 08 This is the date the account was closed.

Format is DDMMYYYY.

11 Date Reported N F 08 This is the most recent date the Reporting

and Certified Member reported information about the
account to CIBIL.
Format is DDMMYYYY.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

14 Amount Overdue N V 09 The amount past due as of the date

reported in the Date Reported and
Certified field.
This amount is a whole number and we
assume it to be positive.

28 Payment History 1 A/N V 54 The most recent 18 months of Payment

History. Each month displays the Number
of Days Past Due (NDPD)/Asset
Classification (AC) for that month. The
first value in the payment history string is
the NDPD/AC, as of the date reported in
the Date Reported and Certified field.
For accounts that are closed and where
the Date Closed field is provided, the first
value in the payment history string is the
NDPD/AC, as of the date reported in the
Date Closed field.
If the value for a month is reported as
XXX, it means the Reporting Member did
not report data for that account for that
particular month.
If, instead of NDPD, AC is reported, the
following values will be displayed:
STD = Standard
SMA = Special Mention Account
SUB = Substandard
DBT = Doubtful
LSS = Loss
XXX = Not Reported

29 Payment History 2 A/N V 54 Up to 18 remaining previous months in

the Payment History. Each month
displays the NDPD/AC for that month.

30 Payment History N F 08 This is the date of the beginning of the

Start Date payment history.
Format is DDMMYYYY.

31 Payment History N F 08 This is the date of the end of the payment

End Date history.
Format is DDMMYYYY.

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Field Field Name Character Length Maximum Comments

Tag Type Type Length

32 Suit Filed / Wilful N F 02 Status are:

Default 00 = No Suit Filed
01 = Suit filed
02 = Wilful default
03 = Suit filed (Wilful default)

33 Credit Facility N F 02 Status are:

Status 00 = Restructured Loan
01 = Restructured Loan (Govt. Mandated)
02 = Written-off
03 = Settled
04 = Post (WO) Settled
05 = Account Sold
06 = Written Off and Account Sold
07 = Account Purchased
08 = Account Purchased and Written Off
09 = Account Purchased and Settled
10 = Account Purchased and
Restructured
11 = Restructured due to Natural
Calamity
12 = Restructured due to COVID-19

80 Date of Entry for N F 08 Contains the date when the error code
Error Code was entered. Format is DDMMYYYY.

82 Error Code N F 03 Error Code registered within the

error/dispute resolution process.
Refer to Appendix G for list of codes.

83 Date of Entry for N F 08 Contains the date when the CIBIL

CIBIL Remarks remarks code was entered. Format is
Code DDMMYYYY.

84 CIBIL Remarks A/N F 06 Refer to Appendix I for list of codes.

Code

85 Date of Entry for N F 08 Contains the date when the error/dispute

Error/Dispute remarks codes were entered. Format is
Remarks Code DDMMYYYY.

86 Error/Dispute A/N F 06 Contains up to 2 error/dispute remarks

Remarks Code 1 codes.

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CONSUMER CREDIT INFORMATION SYSTEM | RESPONSE RECORD

Field Field Name Character Length Maximum Comments

Tag Type Type Length

87 Error/Dispute A/N F 06 Refer to Appendix H for list of codes.

Remarks Code 2

Sum of all maximum byte lengths: 220

Sum of all two-byte tags and two-byte lengths: 80

Maximum byte size of segment: 300

66 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | RESPONSE RECORD

Enquiry Segment (IQ)

The IQ Segment contains information on enquiries made on the consumer by other Member(s)
with CIBIL, and:
 It is variable in length and can be of a maximum size of 59 bytes.
 It does not display the enquiry that caused this Response, but thereafter can appear
an unlimited number of times per Response Record.
 Tags 02 and 03 are reserved for future use.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

IQ Segment Tag A/N F 04 Contains the value I001. If multiple IQ

segments are returned, the first segment
contains I001, the second contains I002,
and so on.
This field will contain I999 for all IQ
segments beyond the first 999 IQ segments.

01 Date of Enquiry N F 08 Contains the date when CIBIL received the

enquiry. Format is DDMMYYYY.

04 Enquiring A/N* V 16 Contains the Short Name of the Enquiry

Member Short Member who made this enquiry..
Name If the enquiry purpose is “For Individual”, the
Short Name of the Enquiry Member will
always be shown.
For all other enquiry purposes, members
who request that their name not be
disclosed, the value returned will be “Not
Disclosed.”
However, it will display the Short Name of
the member when the enquiry has been
made by the member itself.

05 Enquiry Purpose N F 02 Contains the purpose of the enquiry.

Please refer to the Account and Enquiry
Type values in Appendix A.
For Portfolio Review (i.e. Enquiry Purpose =
90), this field will contain the values from 00
to 90 for enquiries made by the enquiring
member Otherwise this field will contain the
values 98 and 99 for enquiries made by
other members.

06 Enquiry Amount N V 09 Contains the amount of the enquiry.

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CONSUMER CREDIT INFORMATION SYSTEM | RESPONSE RECORD

Field Field Name Character Length Maximum Comments

Tag Type Type Length

Sum of all maximum byte lengths: 39

Sum of all two-byte tags and two-byte lengths: 20

Maximum byte size of segment: 59

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CONSUMER CREDIT INFORMATION SYSTEM | RESPONSE RECORD

Consumer Dispute Remarks Segment (DR)

The DR Segment contains information on dispute remarks entered by the consumer during the
dispute resolution process, and:
 It is variable in length and can be of a maximum size of 463 bytes.
 It can occur once per Response Record.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

DR Segment Tag A/N F 03 Contains the value D01.

01 Date of Entry N F 08 Contains the date when the consumer

dispute remarks was entered. Format is
DDMMYYYY.

02 Dispute P V 70 Contains the consumer dispute remarks.

Remarks
Line1

03 Dispute P V 70
Remarks
Line2

04 Dispute P V 70
Remarks
Line3

05 Dispute P V 70
Remarks
Line4

06 Dispute P V 70
Remarks
Line5

07 Dispute P V 70
Remarks
Line6

Sum of all maximum byte lengths: 431

Sum of all two-byte tags and two-byte lengths: 32

Maximum byte size of segment: 463

69 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | RESPONSE RECORD

End Segment (ES)

The ES Segment denotes the end of the Response Record, and:
 It is of a fixed size of 17 bytes.
 It can appear only once per Response Record.

Position Field Name Character Fixed Comments

Type Length

1 Length of A/N 11 Must contain the value ES07NNNNNNN, where

Transmission NNNNNNN is the total length of the Response
Record (including the End Segment (ES)), left-
padded with zeros.
If the total length is greater than 9999999, then the
length of 999999 is assumed.

10 End Characters N 06 Must contain the value 0102 followed by two

asterisks (**).

Total bytes 17

70 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | ERROR RECORD

Error Record
Members receive an Error Record, instead of a Response Record, when a fatal error occurs
during the enquiry process. The segments that make up the Error Record appear in the
following table. These segments appear in an Error Record in the following order: ERRR, UR,
and ES.

Segment Segment Name Segment Maximum No. Maximum Length

Tag Length of Entries

ERRR Error F 1 18

UR User Reference V 1 Unlimited

Error

ES End F 1 17

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CONSUMER CREDIT INFORMATION SYSTEM | ERROR RECORD

Error Segment (ERRR)

The ERRR Segment marks the beginning of the Error Record, and:
 It is of a fixed size of 18 bytes.
 It can appear only once per Error Record.

Position Field Name Character Fixed Comments

Type Length

1 Segment Tag A 04 Contains the value ERRR.

5 Date Processed N 08 Format is DDMMYYYY.

13 Time N 06 Format is HHMMSS.

Processed

Total bytes 18

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CONSUMER CREDIT INFORMATION SYSTEM | ERROR RECORD

User Reference Error Segment (UR)

The UR Segment describes the non-recoverable condition(s) that caused the CIBIL system to
return an Error Record, rather than a Response Record. Also:
 The UR segment is variable in length and has no maximum length.
 It can appear only once per Error Record.
 Tag 02 is reserved for future use.

Field Field Name Character Length Maximum Comments

Tag Type Type Length

UR Segment Tag A/N F 03 Contains the value U01.

01 Member A/N F 25 Contains either the value entered in

Reference positions 7-31 of the TUEF Enquiry
Number Header Segment, or is filled with blanks.

03 Invalid Version A/N F 02 Contains invalid value entered in positions

5-6 of the TUEF Enquiry Header
Segment.

04 Invalid Field A/N V 09 Contains the segment identifier, segment

Length tag, field tag, and field length for the first
segment containing the error.
For example, if the State Code in the
second Address Segment (PA) has a
length of 5 (0605), then this field would
contain 0409PAA020605.
If the error occurs in the ES Segment, this
field would contain only ES05.

05 Invalid Total A/N V 09 Contains the value ES05 followed by the

Length Enquiry Record’s invalid length. This error
occurs when the total length of the
Enquiry Record entered does not
correspond to the length calculated by the
system.

06 Invalid Enquiry N F 02 Contains the value entered in positions

Purpose 94-95 of the TUEF Enquiry Header
Segment.

07 Invalid Enquiry N F 09 Contains the value entered in positions

Amount 96-104 of the TUEF Enquiry Header
Segment.

08 Invalid Enquiry P F 60 Contains the value entered in positions

Member User 64-93 of the TUEF Enquiry Header
ID/Password Segment.

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CONSUMER CREDIT INFORMATION SYSTEM | ERROR RECORD

Field Field Name Character Length Maximum Comments

Tag Type Type Length

09 Required A F 02 Contains the two-byte tag of the missing,

Enquiry required segment. If more than one
Segment segment is missing, only the first missing
Missing segment appears in this field.

10 Invalid Enquiry P V 49 Contains the segment identifier, segment

Data tag, field tag, and field tag length, plus up
to 40 bytes of data from that field.
For example, if Address Line1 in the
second Address Segment (PA) contains
an error, this field would contain
1034PAA020125, followed by 25 bytes of
data from that field.
If the error occurs in the ES Segment, this
field contains only ES05.
If another enquiry of the same (i.e.
duplicated enquiry) is still being
processed, an error is returned with this
field contains only TUEF.
This field can appear as many times as
errors occur.

11 CIBIL System A F 01 Contains the value Y. The member should

Error contact CIBIL if this error condition is
encountered.

12 Invalid A F 02 The system stops processing and returns

Segment Tag an Error Record when an invalid segment
tag is found. This field would contain that
invalid segment tag.

13 Invalid A F 01 If the order of segments in an Enquiry

Segment Order Record is not correct, this field is set to Y.
The valid order of the Enquiry Record is
TUEF, PN, ID, PT, PA, PI, and ES (PI
Segment is When Available except when
the Enquiry Purpose (Positions 52-53 of
the TUEF Enquiry Header Segment
(TUEF)) is “Account Review”, “Retro
Enquiry” or “Locate Plus”).

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CONSUMER CREDIT INFORMATION SYSTEM | ERROR RECORD

Field Field Name Character Length Maximum Comments

Tag Type Type Length

14 Invalid Field A/N F 07 This field is used when the tags within an
Tag Order Enquiry Record segment are out of order
(or repeated). Contains the segment
identifier, and the tag of the first field out
of order.
For example, if the second Address
Segment (PA) has Tag 03 coming after
Tag 06, this field would contain the value
1407PAA0203.

15 Missing A/N F 07 Contains the segment identifier and the

Required Field tag of the first required field the system
does not find.
For example, if the first Address Segment
(PA) does not contain Address Line1, this
field would contain the value
1507PAA0101.
This field can appear up to 10 times.

16 Requested A F 01 Contains the value Y if there is an error.

Response Size
Exceeded

17 Invalid A F 02 Contains the value sent in positions 113-

Input/Output 114 of the TUEF Enquiry Header
Media Segment.

19 Reason for A F 02 Contains one of the following values to

Rejected indicate reason of invalid access:
Request
IP – I/P address restriction
AD – Access Denied

Sum of all maximum byte lengths: Unlimited

Sum of all two-byte tags and two-byte lengths: Unlimited

Maximum byte size of segment: Unlimited

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CONSUMER CREDIT INFORMATION SYSTEM | ERROR RECORD

End Segment (ES)

The ES Segment is the last segment in the Error Record, and:
 It is of a fixed size of 15 bytes.
 It appears once per Error Record.

Position Field Name Character Fixed Comments

Type Length

1 Length of A/N 11 The value ES07 followed by NNNNNNN, where

Transmission NNNNNNN is the total length of the transmitted
Error Record (including the End Segment (ES)), left-
padded with zeros.
If the total length is greater than 9999999, then the
length of 999999 is assumed.

10 End Characters P 06 The numbers 0102 followed by two asterisks (**).

Total bytes 17

76 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX A – ACCOUNT TYPE AND ENQUIRY PURPOSE TABLE

Appendix A – Account Type and Enquiry Purpose Table

Value Acronym Use Account Type

01 - Current Auto Loan (Personal)

02 - Current Housing Loan

03 - Current Property Loan

04 - Current Loan Against Shares/Securities

05 - Current Personal Loan

06 - Current Consumer Loan

07 - Current Gold Loan

08 - Current Education Loan

09 - Current Loan to Professional

10 - Current Credit Card

11 - Current Leasing

12 - Current Overdraft

13 - Current Two-wheeler Loan

14 NFCF Current Non-Funded Credit Facility

15 LABD Current Loan Against Bank Deposits

16 - Current Fleet Card

17 - Current Commercial Vehicle Loan

18 - Future Telco – Wireless

19 - Future Telco – Broadband

20 - Future Telco – Landline

21 - Current Seller Financing

22 - Current Seller Financing Soft (Applicable to Enquiry Purpose

only)

23 - Current GECL Loan Secured

24 - Current GECL Loan Unsecured

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX A – ACCOUNT TYPE AND ENQUIRY PURPOSE TABLE

Value Acronym Use Account Type

31 - Current Secured Credit Card

32 - Current Used Car Loan

33 - Current Construction Equipment Loan

34 - Current Tractor Loan

35 - Current Corporate Credit Card

36 - Current Kisan Credit Card

37 - Current Loan on Credit Card

38 - Current Prime Minister Jaan Dhan Yojana - Overdraft

39 - Current Mudra Loans – Shishu / Kishor / Tarun

40 - Current Microfinance – Business Loan

41 - Current Microfinance – Personal Loan

42 - Current Microfinance – Housing Loan

43 - Current Microfinance – Other

44 - Current Pradhan Mantri Awas Yojana - Credit Link Subsidy

Scheme MAY CLSS

45 - Current P2P Personal Loan

46 - Current P2P Auto Loan

47 - Current P2P Education Loan

50 - Current Business Loan – Secured

51 - Current Business Loan – General

52 BLPS-SB Current Business Loan – Priority Sector – Small Business

53 BLPS-AGR Current Business Loan – Priority Sector – Agriculture

54 BLPS-OTH Current Business Loan – Priority Sector – Others

55 BNFCF-GEN Current Business Non-Funded Credit Facility – General

56 BNFCF-PS-SB Current Business Non-Funded Credit Facility – Priority Sector

– Small Business

57 BNFCF-PS-AGR Current Business Non-Funded Credit Facility – Priority Sector

– Agriculture

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX A – ACCOUNT TYPE AND ENQUIRY PURPOSE TABLE

Value Acronym Use Account Type

58 BNFCF-PS-OTH Current Business Non-Funded Credit Facility – Priority

Sector-Others

59 BLABD Current Business Loan Against Bank Deposits

61 - Current Business Loan - Unsecured

80 - Future Microfinance Detailed Report (Applicable to Enquiry

Purpose only)

81 - Future Summary Report (Applicable to Enquiry Purpose

only)

88 - Current Locate Plus for Insurance (Applicable to Enquiry

Purpose only)

90 - Current Account Review (Applicable to Enquiry Purpose only)

91 - Current Retro Enquiry (Applicable to Enquiry Purpose only)

92 - Current Locate Plus (Applicable to Enquiry Purpose only)

97 - Current Adviser Liability (Applicable to Enquiry Purpose only)

00 - Current Other

98 - Current Secured (Account Group for Portfolio Review

response)

99 - Current Unsecured (Account Group for Portfolio Review

response)

Print Image Report: Either the acronym, if present, or the first 30

Note
characters of the full name as mentioned in the column “Account Type,”
will appear.

Machine Readable Formatted Response Record: The two-digit code

as mentioned in the column “Value” will appear.

79 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX B – ALLOWED AND DISALLOWED CHARACTERS

Appendix B – Allowed and Disallowed Characters

Following are the allowed and disallowed special characters in the Consumer Name Fields 1-5:

Allowed Disallowed

. ~

` !

' #

; $

: %

" ^

- &

_ *

( =

) |

[ ?

] +

{ ,

} @

< /

> \

The front slash (/) and the back slash (\) are allowed only when used with
Note SON OF, WIFE OF, and DAUGHTER OF in any of the following ways:
S/O, S\O, W/O, W\O, D/O, and D\O. In all other situations, their
appearance will lead to a rejection of the Enquiry Record.

80 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX C – STATE / UNION TERRITORY CODES

Appendix C – State / Union Territory Codes

Following is the list of State/Union Territory Codes as defined by Indian Census 2001:

Code State / Union Code State / Union Code State / Union

Territory Territory Territory

01 Jammu & Kashmir 02 Himachal Pradesh 03 Punjab

04 Chandigarh 05 Uttaranchal 06 Haryana

07 Delhi 08 Rajasthan 09 Uttar Pradesh

10 Bihar 11 Sikkim 12 Arunachal

Pradesh

13 Nagaland 14 Manipur 15 Mizoram

16 Tripura 17 Meghalaya 18 Assam

19 West Bengal 20 Jharkhand 21 Orissa

22 Chhattisgarh 23 Madhya Pradesh 24 Gujarat

25 Daman & Diu 26 Dadra & Nagar 27 Maharashtra

Haveli

28 Andhra Pradesh 29 Karnataka 30 Goa

31 Lakshadweep 32 Kerala 33 Tamil Nadu

34 Pondicherry 35 Andaman & 36 Telangana

Nicobar Islands

99 APO Address v v v v

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX D – PIN CODE VALIDATION TABLE

Appendix D – PIN Code Validation Table

This table represents the minimum and maximum digits allowed in the first two-digits of the six-
digit PIN Code:

State Code State First two-digit First two-digit

PIN prefix (Min) PIN prefix (Max)

01 Jammu & Kashmir 18 19

02 Himachal Pradesh 17 17

03 Punjab 14 16

04 Chandigarh 14 16

05 Uttaranchal 24 26

06 Haryana 12 13

07 Delhi 11 11

08 Rajasthan 30 34

09 Uttar Pradesh 20 28

10 Bihar 80 85

11 Sikkim 73 73

12 Arunachal Pradesh 78 79

13 Nagaland 79 79

14 Manipur 79 79

15 Mizoram 79 79

16 Tripura 72 79

17 Meghalaya 79 79

18 Assam 78 79

19 West Bengal 70 74

20 Jharkhand 81 83

21 Orissa 75 77

22 Chhattisgarh 46 49

23 Madhya Pradesh 45 48

24 Gujarat 36 39

25 Daman & Diu 36 39

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX D – PIN CODE VALIDATION TABLE

State Code State First two-digit First two-digit

PIN prefix (Min) PIN prefix (Max)

26 Dadra & Nagar Haveli 39 39

27 Maharashtra 40 44

28 Andhra Pradesh 50 56

29 Karnataka 53 59

30 Goa 40 40

31 Lakshadweep 67 68

32 Kerala 67 69

33 Tamil Nadu 53 66

34 Pondicherry 53 67

35 Andaman & Nicobar Islands 74 74

36 Telangana 50 56

99 APO Address 90 99

83 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX E – CLASSIFICATION OF SECURED AND UNSECURED LOANS

Appendix E – Classification of Secured and Unsecured

Loans
Account Type Loan Type

Auto Loan (Personal) Secured

Housing Loan Secured

Property Loan Secured

Loan Against Shares/Securities Secured

Personal Loan Unsecured

Consumer Loan Unsecured

Gold Loan Secured

Education Loan Unsecured

Loan to Professional Unsecured

Credit Card Unsecured

Leasing Secured

Overdraft Unsecured

Two-wheeler Loan Secured

Non-Funded Credit Facility Secured

Loan Against Bank Deposits Secured

Fleet Card Unsecured

Commercial Vehicle Loan Secured

Telco – Wireless N/A

Telco – Broadband N/A

Telco – Landline N/A

Secured Credit Card Secured

Used Car Loan Secured

Construction Equipment Loan Secured

Tractor Loan Secured

84 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX E – CLASSIFICATION OF SECURED AND UNSECURED LOANS

Account Type Loan Type

Corporate Credit Card Unsecured

Kisan Credit Card Unsecured

Loan on Credit Card Unsecured

Prime Minister Jaan Dhan Yojana – Overdraft Unsecured

Mudra Loans – Shishu / Kishor / Tarun Unsecured

Microfinance – Business Loan Secured

Microfinance – Personal Loan Secured

Microfinance – Housing Loan Secured

Microfinance – Others Secured

Pradhan Mantri Awas Yojana - Credit Link Subsidy Scheme MAY CLSS Secured

P2P Personal Loan Unsecured

P2P Auto Loan Secured

P2P Education Loan Unsecured

Business Loan – Secured Secured

Business Loan – General Secured

Business Loan – Priority Sector – Small Business Secured

Business Loan – Priority Sector – Agriculture Secured

Business Loan – Priority Sector – Others Secured

Business Non-Funded Credit Facility – General Secured

Business Non-Funded Credit Facility – Priority Sector – Small Business Secured

Business Non-Funded Credit Facility – Priority Sector – Agriculture Secured

Business Non-Funded Credit Facility – Priority Sector – Others Secured

Business Loan Against Bank Deposits Secured

Business Loan – Unsecured Unsecured

Other Unsecured

85 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX F – SCORE REASON CODES

Appendix F – Score Reason Codes

Code Applicable To Explanation

01 CIBILTUSCR Too many tradelines 91+ days delinquent in the past 6 months

CIBILTUSC2 Not enough credit card debt experience

CIBILTUSC3 LOW CREDIT AGE

02 CIBILTUSCR Presence of a tradeline 91+ days delinquent in the past 6 months

CIBILTUSC2 Length of time since most recent account delinquency is too short

CIBILTUSC3 PRESENCE OF DELINQUENCY IN LAST 12 MONTHS

03 CIBILTUSCR Credit card balances are too high in proportion to High Credit
Amount

CIBILTUSC2 Too many two-wheeler accounts

CIBILTUSC3 PRESENCE OF DELINQUENCY IN THE RECENT PAST

04 CIBILTUSCR Too many tradelines with worst status in the past 6 months

CIBILTUSC2 Too many business loans

CIBILTUSC3 LOW PROPORTION OF SATISFACTORY TRADES

05 CIBILTUSCR Presence of severe delinquency in the past 6 months

CIBILTUSC2 Credit card account balances too high in proportion to high credit
amount

CIBILTUSC3 SUPPRESS

06 CIBILTUSCR Presence of a minor delinquency in the past 6 months

CIBILTUSC2 Maximum amount on mortgage loan is low

CIBILTUSC3 HIGH BALANCE BUILD-UP ON SECURED LOANS

07 CIBILTUSCR Presence of a tradeline with worst status in the past 6 months

CIBILTUSC2 Total amount past due is too high

CIBILTUSC3 PRESENCE OF DELINQUENCY

08 CIBILTUSCR Credit card balances are high in proportion to High Credit Amount
PLSCORE

CIBILTUSC2 Not enough mortgage debt experience

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX F – SCORE REASON CODES

Code Applicable To Explanation

CIBILTUSC3 PRESENCE OF SEVERE DELINQUENCY AS OF RECENT

UPDATE

09 CIBILTUSCR High number of trades with low proportion of satisfactory trades

CIBILTUSC2 Too much change of indebtedness on non-mortgage trades over

the past 24 months

CIBILTUSC3 HIGH BALANCE BUILD-UP

10 CIBILTUSCR Low proportion of satisfactory trades

PLSCORE

CIBILTUSC2 Insufficient improvement in delinquency status

CIBILTUSC3 SUPPRESS

11 CIBILTUSCR No presence of a revolving tradeline

CIBILTUSC2 Too much increase of indebtedness on non-mortgage trades over

the past 12 months

CIBILTUSC3 PRESENCE OF DELINQUENCY

12 CIBILTUSCR Presence of a tradeline 91+ days delinquent 7 to 12 months ago

CIBILTUSC2 Too many enquiries

CIBILTUSC3 PRESENCE OF DELINQUENCY AS OF RECENT UPDATE

13 CIBILTUSCR PLSCORE Low average trade age

CIBILTUSC2 Too many accounts with a balance

CIBILTUSC3 SUPPRESS

14 CIBILTUSCR Presence of a tradeline 91+ days delinquent 13 or more months

ago

CIBILTUSC2 Length of time accounts have been established is too short

CIBILTUSC3 INCREASE IN NON-MORTGAGE INDEBTEDNESS IN LAST 12

MONTHS

15 CIBILTUSCR Presence of a minor delinquency 7 to 12 months ago

CIBILTUSC2 Not enough debt experience

CIBILTUSC3 INCREASE IN NON-MORTGAGE INDEBTEDNESS IN LAST 3

MONTHS

87 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX F – SCORE REASON CODES

Code Applicable To Explanation

16 CIBILTUSCR Presence of a severe delinquency 7 to 12 months ago

CIBILTUSC2 Too many credit card accounts

CIBILTUSC3 HIGH BALANCE BUILD-UP

17 CIBILTUSCR Presence of a high number of enquiries

PLSCORE

CIBILTUSC2 Presence of a high number of enquiries

CIBILTUSC3 SUPPRESS

18 PLSCORE Over due amount too high

CIBILTUSC2 Number of active trades with a balance too high in proportion to

total trades
CIBILTUSC3 HIGH OUTSTANDING BALANCE

19 PLSCORE Not enough available credit

CIBILTUSC2 Too much change of indebtedness on credit cards over the past 24
months
CIBILTUSC3 INCREASE IN NON-MORTGAGE INDEBTEDNESS IN LAST 12
MONTHS
20 PLSCORE Too few satisfactory bankcard accounts

CIBILTUSC2 Credit card balance too high

CIBILTUSC3 LENGTH OF TIME SINCE SEVERE DELINQUENCY IS TOO

SHORT
21 PLSCORE Total balance of delinquencies is too high

CIBILTUSC2 Proportion of delinquent trades too high

CIBILTUSC3 LOW PROPORTION OF SATISFACTORY TRADES

22 PLSCORE Presence of delinquency

CIBILTUSC3 PRESENCE OF DELINQUENCY

23 PLSCORE Total high credit of delinquencies is too high

CIBILTUSC3 SUPPRESS

24 PLSCORE Presence of a minor delinquency on personal loan

CIBILTUSC3 LOW CREDIT AGE

25 CIBILTUSC3 HIGH BALANCE BUILD-UP ON NON-MORTGAGE LOANS

88 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX F – SCORE REASON CODES

Code Applicable To Explanation

26 CIBILTUSC3 PRESENCE OF SEVERE DELINQUENCY

27 CIBILTUSC3 PRESENCE OF HIGH CREDIT ACTIVITY (INQUIRIES)

28 CIBILTUSC3 LOW CREDIT AGE

29 CIBILTUSC3 PRESENCE OF DELINQUENCY

30 CIBILTUSC3 LENGTH OF TIME SINCE MODERATE TO SEVERE

DELINQUENCY IS TOO SHORT

31 CIBILTUSC3 PRESENCE OF DELINQUENCY

32 CIBILTUSC3 PRESENCE OF DELINQUENCY

33 CIBILTUSC3 HIGH PROPORTION OF DELINQUENT TRADES

34 CIBILTUSC3 SUPPRESS

35 CIBILTUSC3 PRESENCE OF DELINQUENCY

36 CIBILTUSC3 HIGH BALANCE BUILD-UP ON REVOLVING TRADES

37 CIBILTUSC3 PRESENCE OF DELINQUENCY AS OF RECENT UPDATE

38 CIBILTUSC3 RECENT HIGH BALANCE BUILD ON BANKCARD TRADES

39 CIBILTUSC3 HIGH PROPORTION OF OUTSTANDING TRADES

40 CIBILTUSC3 HIGH BALANCE IN PROPORTION TO HIGH CREDIT AMOUNT

IN THE LAST 12 MONTHS

41 CIBILTUSC3 PAYMENT MADE IN PROPORTION TO TOTAL CARD BALANCE

OUTSTANDING IS LOW

42 CIBILTUSC3 PAYMENT MADE IN PROPORTION TO TOTAL BALANCE

OUTSTANDING IS LOW

43 CIBILTUSC3 SUPPRESS

44 CIBILTUSC3 SUPPRESS

45 CIBILTUSC3 HIGH BALANCE BUILD-UP ON NON-MORTGAGE LOANS IN

PAST 6 MONTHS

46 CIBILTUSC3 HIGH BALANCE BUILD-UP ON UNSECURED LOANS

47 CIBILTUSC3 SUPPRESS

89 | © 2020 TransUnion LLC All Rights Reserved

CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX F – SCORE REASON CODES

Code Applicable To Explanation

48 CIBILTUSC3 SUPPRESS

49 CIBILTUSC3 PRESENCE OF DELINQUENCY AS OF RECENT UPDATE

50 CIBILTUSC3 SUPPRESS

51 CIBILTUSC3 SUPPRESS

52 CIBILTUSC3 PRESENCE OF MINOR DELINQUENCY IN LAST 24 MONTHS

53 CIBILTUSC3 PRESENCE OF SEVERE DELINQUENCY IN LAST 12 MONTHS

54 CIBILTUSC3 CREDIT AGE LESS THAN SIX MONTHS

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Appendix G – Error Codes

List of Error Segment Tags and Error Codes for the Name (PN) response segment:

Error Error Code Explanation

Segment
Tag

PN 001 Consumer Name in Dispute

PN 007 Date of Birth in Dispute

PN 008 Gender in Dispute

PN 201 Consumer Name - Dispute accepted - Pending corrections by the Member

PN 207 Date of Birth - Dispute accepted - Pending corrections by the Member

PN 208 Gender - Dispute accepted - Pending corrections by the Member

ID 001 ID Type in Dispute

ID 002 ID Number in Dispute

ID 003 Issue Date in Dispute

ID 004 Expiration Date in Dispute

ID 201 ID Type - Dispute accepted - Pending corrections by the Member

ID 202 ID Number - Dispute accepted - Pending corrections by the Member

ID 203 Issue Date - Dispute accepted - Pending corrections by the Member

ID 204 Expiration Date - Dispute accepted - Pending corrections by the Member

PT 001 Telephone Number in Dispute

PT 002 Telephone Extension in Dispute

PT 003 Telephone Type in Dispute

PT 201 Telephone Number - Dispute accepted - Pending corrections by the

Member

PT 202 Telephone Extension - Dispute accepted - Pending corrections by the

Member

PT 203 Telephone Type - Dispute accepted - Pending corrections by the Member

EC 001 E-Mail ID in Dispute

EC 201 E-Mail ID - Dispute accepted - Pending corrections by the Member

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Error Code Explanation

Segment
Tag

PA 001 Address Line (except State Code and PIN Code) in Dispute

PA 006 State in Dispute

PA 007 PIN Code in Dispute

PA 008 Address Category in Dispute

PA 009 Residence Code in Dispute

PA 201 Address Line - Dispute accepted - Pending corrections by the Member

PA 206 State - Dispute accepted - Pending corrections by the Member

PA 207 PIN Code - Dispute accepted - Pending corrections by the Member

PA 208 Address Category - Dispute accepted - Pending corrections by the Member

PA 209 Residence Code - Dispute accepted - Pending corrections by the Member

IQ 001 Enquiry Purpose in Dispute

IQ 006 Enquiry Amount in Dispute

IQ 201 Enquiry Purpose - Dispute accepted - Pending corrections by the Member

IQ 206 Enquiry Amount - Dispute accepted - Pending corrections by the Member

IQ 887 Enquiry Ownership Error - Dispute accepted - Pending corrections by the

Member

IQ 888 Enquiry Ownership Error

Miscellaneous

ZZ 000 No Dispute

PN 998 Multiple Disputes in Name (PN) Segment - Dispute accepted - Pending

corrections by the Member

PN 999 Multiple Disputes in Name (PN) Segment

ID 998 Multiple Disputes in Identification (ID) Segment - Dispute accepted -

Pending corrections by the Member

ID 999 Multiple Disputes in Identification (ID) Segment

PT 998 Multiple Disputes in Telephone (PT) Segment - Dispute accepted - Pending

corrections by the Member

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Error Code Explanation

Segment
Tag

PT 999 Multiple Disputes in Telephone (PT) Segment

EC 998 Multiple Disputes in Email Contact (EC) Segment - Dispute accepted -

Pending corrections by the Member

EC 999 Multiple Disputes in Email Contact (EC) Segment

PA 998 Multiple Disputes in Address (PA) Segment - Dispute accepted - Pending

corrections by the Member

PA 999 Multiple Disputes in Address (PA) Segment

IQ 998 Multiple Disputes in Enquiry (IQ) Segment - Dispute accepted - Pending

corrections by the Member

IQ 999 Multiple Disputes in Enquiry (IQ) Segment

ZZ 998 Multiple Disputes in multiple segments - Dispute accepted - Pending

corrections by the Member

ZZ 999 Multiple Disputes in multiple segments

List of Error Codes for the Employment (EM) response segment:

Error Code Explanation

000 No Dispute

003 Occupation Code in Dispute

004 Income in Dispute

005 Net/Gross Income Indicator in Dispute

006 Monthly/Annual Income Indicator in Dispute

203 Occupation Code - Dispute accepted - Pending corrections by the Member

204 Income - Dispute accepted - Pending corrections by the Member

205 Net/Gross Income Indicator - Dispute accepted - Pending corrections by the Member

206 Monthly/Annual Income Indicator - Dispute accepted - Pending corrections by the

Member

998 Multiple Disputes - Dispute accepted - Pending corrections by the Member

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Code Explanation

999 Multiple Disputes

List of Error Codes for the Account (TL) response segment:

Error Code Explanation

000 No Disputes

003 Account Number in Dispute

004 Account Type in Dispute

005 Ownership Indicator in Dispute

008 Date Opened/Disbursed in Dispute

009 Date of Last Payment in Dispute

010 Date Closed in Dispute

011 Date Reported and Certified in Dispute

012 High Credit/Sanctioned Amount in Dispute

013 Current Balance in Dispute

014 Amount Overdue in Dispute

030 Payment History Start Date in Dispute

031 Payment History End Date in Dispute

032 Suit Filed / Wilful Default in Dispute

033 Credit Facility Status in Dispute

034 Value of Collateral in Dispute

035 Type of Collateral in Dispute

036 Credit Limit in Dispute

037 Cash Limit in Dispute

038 Rate Of Interest in Dispute

039 Repayment Tenure in Dispute

040 EMI Amount in Dispute

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Code Explanation

041 Written-off Amount (Total) in Dispute

042 Written-off Amount (Principal) in Dispute

043 Settlement Amount in Dispute

044 Payment Frequency in Dispute

045 Actual Payment Amount in Dispute

101 Payment History 1 in Dispute

102 Payment History 2 in Dispute

103 Payment History 3 in Dispute

104 Payment History 4 in Dispute

105 Payment History 5 in Dispute

106 Payment History 6 in Dispute

107 Payment History 7 in Dispute

108 Payment History 8 in Dispute

109 Payment History 9 in Dispute

110 Payment History 10 in Dispute

111 Payment History 11 in Dispute

112 Payment History 12 in Dispute

113 Payment History 13 in Dispute

114 Payment History 14 in Dispute

115 Payment History 15 in Dispute

116 Payment History 16 in Dispute

117 Payment History 17 in Dispute

118 Payment History 18 in Dispute

119 Payment History 19 in Dispute

120 Payment History 20 in Dispute

121 Payment History 21 in Dispute

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Code Explanation

122 Payment History 22 in Dispute

123 Payment History 23 in Dispute

124 Payment History 24 in Dispute

125 Payment History 25 in Dispute

126 Payment History 26 in Dispute

127 Payment History 27 in Dispute

128 Payment History 28 in Dispute

129 Payment History 29 in Dispute

130 Payment History 30 in Dispute

131 Payment History 31 in Dispute

132 Payment History 32 in Dispute

133 Payment History 33 in Dispute

134 Payment History 34 in Dispute

135 Payment History 35 in Dispute

136 Payment History 36 in Dispute

203 Account Number - Dispute accepted - Pending corrections by the Member

204 Account Type - Dispute accepted - Pending corrections by the Member

205 Ownership Indicator - Dispute accepted - Pending corrections by the Member

208 Date Opened/Disbursed - Dispute accepted - Pending corrections by the Member

209 Date of Last Payment - Dispute accepted - Pending corrections by the Member

210 Date Closed - Dispute accepted - Pending corrections by the Member

211 Date Reported and Certified - Dispute accepted - Pending corrections by the Member

212 High Credit/Sanctioned Amount - Dispute accepted - Pending corrections by the Member

213 Current Balance - Dispute accepted - Pending corrections by the Member

214 Amount Overdue - Dispute accepted - Pending corrections by the Member

230 Payment History Start Date - Dispute accepted - Pending corrections by the Member

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Code Explanation

231 Payment History End Date - Dispute accepted - Pending corrections by the Member

232 Suit Filed / Wilful Default - Dispute accepted - Pending corrections by the Member

233 Credit Faciity Status - Dispute accepted - Pending corrections by the Member

234 Value of Collateral - Dispute accepted - Pending corrections by the Member

235 Type of Collateral - Dispute accepted - Pending corrections by the Member

236 Credit Limit - Dispute accepted - Pending corrections by the Member

237 Cash Limit - Dispute accepted - Pending corrections by the Member

238 Rate Of Interest - Dispute accepted - Pending corrections by the Member

239 Repayment Tenure - Dispute accepted - Pending corrections by the Member

240 EMI Amount - Dispute accepted - Pending corrections by the Member

241 Written-off Amount (Total) - Dispute accepted - Pending corrections by the Member

242 Written-off Amount (Principal) - Dispute accepted - Pending corrections by the Member

243 Settlement Amount - Dispute accepted - Pending corrections by the Member

244 Payment Frequency - Dispute accepted - Pending corrections by the Member

245 Actual Payment Amount - Dispute accepted - Pending corrections by the Member

301 Payment History 1 - Dispute accepted - Pending corrections by the Member

302 Payment History 2 - Dispute accepted - Pending corrections by the Member

303 Payment History 3 - Dispute accepted - Pending corrections by the Member

304 Payment History 4 - Dispute accepted - Pending corrections by the Member

305 Payment History 5 - Dispute accepted - Pending corrections by the Member

306 Payment History 6 - Dispute accepted - Pending corrections by the Member

307 Payment History 7 - Dispute accepted - Pending corrections by the Member

308 Payment History 8 - Dispute accepted - Pending corrections by the Member

309 Payment History 9 - Dispute accepted - Pending corrections by the Member

310 Payment History 10 - Dispute accepted - Pending corrections by the Member

311 Payment History 11 - Dispute accepted - Pending corrections by the Member

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Code Explanation

312 Payment History 12 - Dispute accepted - Pending corrections by the Member

313 Payment History 13 - Dispute accepted - Pending corrections by the Member

314 Payment History 14 - Dispute accepted - Pending corrections by the Member

315 Payment History 15 - Dispute accepted - Pending corrections by the Member

316 Payment History 16 - Dispute accepted - Pending corrections by the Member

317 Payment History 17 - Dispute accepted - Pending corrections by the Member

318 Payment History 18 - Dispute accepted - Pending corrections by the Member

319 Payment History 19 - Dispute accepted - Pending corrections by the Member

320 Payment History 20 - Dispute accepted - Pending corrections by the Member

321 Payment History 21 - Dispute accepted - Pending corrections by the Member

322 Payment History 22 - Dispute accepted - Pending corrections by the Member

323 Payment History 23 - Dispute accepted - Pending corrections by the Member

324 Payment History 24 - Dispute accepted - Pending corrections by the Member

325 Payment History 25 - Dispute accepted - Pending corrections by the Member

326 Payment History 26 - Dispute accepted - Pending corrections by the Member

327 Payment History 27 - Dispute accepted - Pending corrections by the Member

328 Payment History 28 - Dispute accepted - Pending corrections by the Member

329 Payment History 29 - Dispute accepted - Pending corrections by the Member

330 Payment History 30 - Dispute accepted - Pending corrections by the Member

331 Payment History 31 - Dispute accepted - Pending corrections by the Member

332 Payment History 32 - Dispute accepted - Pending corrections by the Member

333 Payment History 33 - Dispute accepted - Pending corrections by the Member

334 Payment History 34 - Dispute accepted - Pending corrections by the Member

335 Payment History 35 - Dispute accepted - Pending corrections by the Member

336 Payment History 36 - Dispute accepted - Pending corrections by the Member

885 Duplicate Account - Dispute accepted - Pending corrections by the Member

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX G – ERROR CODES

Error Code Explanation

886 Duplicate Account

887 Account Ownership Error - Dispute accepted - Pending corrections by the Member

888 Account Ownership Error

998 Multiple Disputes - Dispute accepted - Pending corrections by the Member

999 Multiple Disputes

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX H – ERROR/DISPUTE REMARKS CODES

Appendix H – Error/Dispute Remarks Codes

Code Explanation

000001 Disputed accepted – under investigation

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX I – CIBIL REMARKS CODES

Appendix I – CIBIL Remarks Codes

Code Explanation

PN0001 Certain information under Personal / Contract / Enquiry information section has been disputed
by the consumer.

PN1001 Consumer Name in Dispute

PN1007 Date of Birth in Dispute

PN1008 Gender in Dispute

PN1999 Multiple Disputes in Name (PN) Segment

ID1001 ID Type in Dispute

ID1002 ID Number in Dispute

ID1003 Issue Date in Dispute

ID1004 Expiration Date in Dispute

ID1999 Multiple Disputes in Identification (ID) Segment

PT1001 Telephone Number in Dispute

PT1002 Telephone Extension in Dispute

PT1003 Telephone Type in Dispute

PT1999 Multiple Disputes in Telephone (PT) Segment

EC1001 E-Mail ID in Dispute

EC1999 Multiple Disputes in Email Contact (EC) Segment

EM0001 Certain information under Employment information section has been disputed by the
consumer.

EM1003 Occupation Code in Dispute

EM1004 Income in Dispute

EM1005 Net/Gross Income Indicator in Dispute

EM1006 Monthly/Annual Income Indicator in Dispute

EM1999 Multiple Disputes in Employment (EM) Segment

PA1001 Address Line (except State Code and PIN Code) in Dispute

PA1006 State in Dispute

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX I – CIBIL REMARKS CODES

Code Explanation

PA1007 PIN Code in Dispute

PA1008 Address Category in Dispute

PA1009 Residence Code in Dispute

PA1999 Multiple Disputes in Address (PA) Segment

TL0001 Certain information for this account has been disputed by the consumer.

TL1003 Account Number in Dispute

TL1004 Account Type in Dispute

TL1005 Ownership Indicator in Dispute

TL1008 Date Opened/Disbursed in Dispute

TL1009 Date of Last Payment in Dispute

TL1010 Date Closed in Dispute

TL1011 Date Reported and Certified in Dispute

TL1012 High Credit/Sanctioned Amount in Dispute

TL1013 Current Balance in Dispute

TL1014 Amount Overdue in Dispute

TL1030 Payment History Start Date in Dispute

TL1031 Payment History End Date in Dispute

TL1032 Suit Filed / Wilful Default in Dispute

TL1033 Credit Faciity Status in Dispute

TL1034 Value of Collateral in Dispute

TL1035 Type of Collateral in Dispute

TL1036 Credit Limit in Dispute

TL1037 Cash Limit in Dispute

TL1038 Rate Of Interest in Dispute

TL1039 Repayment Tenure in Dispute

TL1040 EMI Amount in Dispute

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX I – CIBIL REMARKS CODES

Code Explanation

TL1041 Written-off Amount (Total) in Dispute

TL1042 Written-off Amount (Principal) in Dispute

TL1043 Settlement Amount in Dispute

TL1044 Payment Frequency in Dispute

TL1045 Actual Payment Amount in Dispute

TL1101 Payment History 1 in Dispute

TL1102 Payment History 2 in Dispute

TL1103 Payment History 3 in Dispute

TL1104 Payment History 4 in Dispute

TL1105 Payment History 5 in Dispute

TL1106 Payment History 6 in Dispute

TL1107 Payment History 7 in Dispute

TL1108 Payment History 8 in Dispute

TL1109 Payment History 9 in Dispute

TL1110 Payment History 10 in Dispute

TL1111 Payment History 11 in Dispute

TL1112 Payment History 12 in Dispute

TL1113 Payment History 13 in Dispute

TL1114 Payment History 14 in Dispute

TL1115 Payment History 15 in Dispute

TL1116 Payment History 16 in Dispute

TL1117 Payment History 17 in Dispute

TL1118 Payment History 18 in Dispute

TL1119 Payment History 19 in Dispute

TL1120 Payment History 20 in Dispute

TL1121 Payment History 21 in Dispute

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CONSUMER CREDIT INFORMATION SYSTEM | APPENDIX I – CIBIL REMARKS CODES

Code Explanation

TL1122 Payment History 22 in Dispute

TL1123 Payment History 23 in Dispute

TL1124 Payment History 24 in Dispute

TL1125 Payment History 25 in Dispute

TL1126 Payment History 26 in Dispute

TL1127 Payment History 27 in Dispute

TL1128 Payment History 28 in Dispute

TL1129 Payment History 29 in Dispute

TL1130 Payment History 30 in Dispute

TL1131 Payment History 31 in Dispute

TL1132 Payment History 32 in Dispute

TL1133 Payment History 33 in Dispute

TL1134 Payment History 34 in Dispute

TL1135 Payment History 35 in Dispute

TL1136 Payment History 36 in Dispute

TL1886 Duplicate Account

TL1888 Account Ownership Error

TL1999 Multiple Disputes in Account (TL) Segment

IQ1001 Enquiry Purpose in Dispute

IQ1006 Enquiry Amount in Dispute

IQ1888 Enquiry Ownership Error

IQ1999 Multiple Disputes in Enquiry (IQ) Segment

Miscellaneous

000001 One or more Members have not responded to your Dispute

000002 Dispute accepted – pending correction by the Member

ZZ0999 Multiple Disputes in multiple segments

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CONSUMER CREDIT INFORMATION SYSTEM | ANNEXURE B

Annexure B
To be sent to CIBIL with each Enquiry file.

Annexure B

Enquiry Member ID: Date:

Member Name:

Member Address: Type of Enquiries: (Tick the applicable one) No. of Tapes/CDs:
Commercial
Consumer

ENQUIRY SUBMISSION DETAILS

Sr. No. File Name Media Type No. of Branches No. of Enquiries

Comments (if any):

* No. of Branches for which enquiries have been submitted.

Note: In the interest of security, we will process only those Enquiry Input files that are accompanied with
this Annexure.

This Annexure has to be separately submitted:

 For Commercial enquiries and Consumer enquiries

 When input file is submitted through FTP

The Enquiry Input file name should conform to the format:

 Consumer:

<ENQUIRING MEMBER ID> - <Date of file creation in DDMMYYYY format> - <File creation time in
HHMMSS format>.tuef

 Commercial:

<ENQUIRING MEMBER ID> - <Date of file creation in DDMMYYYY format> - <File creation time in
HHMMSS format>.blk

(Signature)

Name: _________________

Designation: ____________

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