This feature only works on a laptop or desktop with a screen at least 1100 pixels wide.
The home screen
Two side-by-side panels:- Left — Saved Reports: list of every CIBIL report your team has analysed. Each row shows the customer’s name, score in a circle, and the upload date.
- Right — Report Details: empty until you pick a report from the left.
How to upload a new CIBIL report
Wait for analysis
Usually about 2 minutes (CIBIL reports are dense). The dialog shows the elapsed time so you know it’s working.
How to read the analysis
The right panel has 8 summary cards in a grid:CIBIL Score
The big number — 300 to 900. Higher is better. Plus the customer’s name.
Total Accounts
How many loans/cards they have, with a breakdown of active vs. closed.
Total Sanctioned Amount
Total of every loan amount approved over their history.
Current Outstanding Balance
How much they still owe right now.
Total Overdue Amount
Money they should have paid but haven’t. Big number = bad.
Risk Accounts
Accounts that are settled or written-off. Each is a red flag.
Recent Enquiries
How many credit checks happened in the last 30 days. Lots = customer is shopping for credit elsewhere.
Days Past Due (DPD)
Accounts where they’re behind on payments.
How to read the Accounts table
Below the cards is a table with one row per account (loan, credit card, etc.):| Column | What it means |
|---|---|
| Account Type | Personal Loan, Home Loan, Credit Card, etc. |
| Opened Date | When the account started |
| Sanctioned Amount | How much was approved |
| Current Balance | What’s still owed |
| DPD Status | Payment behavior — see colour code below |
| Account Status | Active or Closed |
| Suit/Write-Off | Settled, written-off, or under legal action |
DPD colour code
🟢 Standard
No payment issues — paying on time.
🟡 Sub-Standard
Minor delays in past payments.
🟠 Doubtful
Serious payment delays. Customer is stretched.
🔴 Past Due
Currently behind on payments. Big risk.
Common workflows
Quick credit decision
Audit a customer’s loan history
Compare CIBIL with claimed income
Calculate utilisation
Outstanding ÷ Sanctioned. If they’ve used 80%+ of approved credit, they’re stretched.
Download the original PDF
Common things people ask
What if the CIBIL score is below 600?
What if the CIBIL score is below 600?
Below 600 is “poor” by industry standards. Most lenders won’t approve. Some teams use 550 as their floor — ask your manager.
There's one written-off account from 5 years ago.
There's one written-off account from 5 years ago.
Old write-offs are still on the report and still count. The customer may have rebuilt their credit since — look at recent accounts to see if they’re paying on time now.
Total Outstanding is high but score is high too.
Total Outstanding is high but score is high too.
The customer has lots of credit but pays it on time. Not a red flag. They might just have a big home loan + a credit card with high limit.
The PDF takes really long to analyse.
The PDF takes really long to analyse.
CIBIL reports are 20–40 pages of dense data. 2 minutes is normal. If it’s been 5+ minutes, refresh and try again.