> ## Documentation Index
> Fetch the complete documentation index at: https://docs.capinex.in/llms.txt
> Use this file to discover all available pages before exploring further.

# CIBIL Report

> Upload a CIBIL credit report PDF. Instantly see the score, accounts, balances, overdues, and risk indicators.

CIBIL Report lets you upload a customer's full CIBIL credit report PDF. The app reads it for you and shows the score, all their accounts, payment history, total outstanding, and any red flags — in seconds.

This saves you from scrolling through a 30-page CIBIL report by hand.

<Note>
  This feature only works on a laptop or desktop with a screen at least 1100 pixels wide.
</Note>

## 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.

A button at the top right says **Upload New Report**.

## How to upload a new CIBIL report

<Steps>
  <Step title="Tap 'Upload New Report'">
    A dialog opens.
  </Step>

  <Step title="Tap 'Pick & Upload'">
    Pick the customer's CIBIL PDF from your computer.
  </Step>

  <Step title="Watch the upload progress">
    The bar fills with the upload percentage.
  </Step>

  <Step title="Wait for analysis">
    Usually about 2 minutes (CIBIL reports are dense). The dialog shows the elapsed time so you know it's working.
  </Step>

  <Step title="Done">
    The dialog closes. The new report appears in the left panel and opens automatically on the right.
  </Step>
</Steps>

<Warning>
  Don't close the browser tab during analysis. Wait for it to finish.
</Warning>

## How to read the analysis

The right panel has 8 summary cards in a grid:

<CardGroup cols={2}>
  <Card title="CIBIL Score" icon="gauge-high">
    The big number — 300 to 900. Higher is better. Plus the customer's name.
  </Card>

  <Card title="Total Accounts" icon="layer-group">
    How many loans/cards they have, with a breakdown of active vs. closed.
  </Card>

  <Card title="Total Sanctioned Amount" icon="indian-rupee-sign">
    Total of every loan amount approved over their history.
  </Card>

  <Card title="Current Outstanding Balance" icon="wallet">
    How much they still owe right now.
  </Card>

  <Card title="Total Overdue Amount" icon="triangle-exclamation">
    Money they should have paid but haven't. Big number = bad.
  </Card>

  <Card title="Risk Accounts" icon="ban">
    Accounts that are settled or written-off. Each is a red flag.
  </Card>

  <Card title="Recent Enquiries" icon="magnifying-glass">
    How many credit checks happened in the last 30 days. Lots = customer is shopping for credit elsewhere.
  </Card>

  <Card title="Days Past Due (DPD)" icon="calendar-xmark">
    Accounts where they're behind on payments.
  </Card>
</CardGroup>

## 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

<CardGroup cols={2}>
  <Card title="🟢 Standard" icon="circle-check">
    No payment issues — paying on time.
  </Card>

  <Card title="🟡 Sub-Standard" icon="circle-info">
    Minor delays in past payments.
  </Card>

  <Card title="🟠 Doubtful" icon="circle-exclamation">
    Serious payment delays. Customer is stretched.
  </Card>

  <Card title="🔴 Past Due" icon="circle-xmark">
    Currently behind on payments. Big risk.
  </Card>
</CardGroup>

The table is automatically sorted: active accounts first, then closed. Within each group, newest first.

## Common workflows

### Quick credit decision

<Steps>
  <Step title="Tap a saved report" />

  <Step title="Look at the CIBIL Score">
    750+ is excellent. 700–750 is good. Below 650 is risky.
  </Step>

  <Step title="Check Total Overdue">
    Anything above zero is a concern. Big numbers are deal-breakers.
  </Step>

  <Step title="Check Risk Accounts">
    Any settled or written-off? That's a serious red flag.
  </Step>

  <Step title="Check Recent Enquiries">
    Many enquiries in 30 days = customer is desperate for credit. Be cautious.
  </Step>
</Steps>

### Audit a customer's loan history

<Steps>
  <Step title="Open the report" />

  <Step title="Scroll to the Accounts Table" />

  <Step title="Look for red or orange DPD statuses" />

  <Step title="Note any 'Suit/Write-Off' entries">
    These mean the customer didn't pay back a previous loan.
  </Step>
</Steps>

### Compare CIBIL with claimed income

<Steps>
  <Step title="Calculate utilisation">
    Outstanding ÷ Sanctioned. If they've used 80%+ of approved credit, they're stretched.
  </Step>

  <Step title="Cross-check with the customer's stated salary">
    Does their EMI burden match?
  </Step>
</Steps>

## Download the original PDF

<Steps>
  <Step title="In the left panel, find the report" />

  <Step title="Tap the download icon on the right">
    The original CIBIL PDF downloads.
  </Step>
</Steps>

## Common things people ask

<AccordionGroup>
  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>