Functional requirement Document for CIBIL Reporting Management

Application:

Functional Requirements Document

Request From:

Request Date: 01-SEP-2020

Process Owner: Vikash Agarwal

BPM Validator: Madhumita Kundu

Technical Lead Arijit Chatterjee

BPM Approver Purnendu Mukherjee

VERSION AND APPROVALS

Versio Effective Change details in brief FRD Reviewed Approve By

n No. Date change By
suggested
By

1.0 16-SEP- FRD Creation NA

2020

Requirement for the CIBIL Application:

The application will use a set of data provided by the Business Users as a pre-requisite and process the data
further to gather other information from the system and generate the required files needed to be upload
onto the site of four main 3rd party company/bureau. The Input files will be formatted as per CIBIL formatting
Guidelines provided by the “TransUnion CIBIL Commercial Bureau”

The format should be provided for

1. CIBIL

2. Equifax

3. Experian

4. CRIF High Mark

For all the company/bureau the format will be same only generating the TUDF section will have the unique
ID for theses bureau for SEFL and SIFL
The Ids are as follows -

Company Name Unique Code for SEFL Unique Code for SIFL
CIBIL NB66200001 NB68740001
Equifax 019FP03517 NA
Experian NBFSRE2833 NA
CRIF NBF000405 NA

Approach:

User will upload the pre-requisite data as following format (with the following columns)

CLOSURE_DATE
TO_DATE
CONTRACT_NO
PARTY_NO
PARTY_NAME
FINANCED_AMOUNT
COMMENCEMENT_DATE
OD_SINCE_DAYS
OD_CLOSING
LAST_PAYMENT_RECEIVED_O
N
FUTURE_POS
Party_type

Process manager application will have an option for the user to upload CIBIL base data, and create an Active
request.

System will not allow to generate multiple active request at a time (in One day - as the scheduler will run
once a day and update the status of the unprocessed request to – “Processed”).

And select the Type of the input for (Individual/Commercial)

User need not to choose the type.

System will upload the excel data to a detail table against the Request_id from the header table.

System then run the scheduler – Scheduler then divide the data and create two separate temporary data
depending on the type of business user (Individual/Commercial).

The system will act on the data and gather other related data from the DB and create the base data required
to format the txt/tap file to be generated.

All contracts live and the customer associated with them (user will provide only live contract data).

Contract related Business Party only come into the scope.

All contract related guarantor, Co-applicant should appear – but they have to be business Party. Contract
other detail will appear as per defined format.

The empty Relationship segment will be excluded from report.

For individual reporting a “.txt” file will be generated.

For corporate reporting a “. tap” (readable as text) will be generated.

If any guarantor or co-applicants are individual, then separate “.txt” file will be generated for them.

After the final data gathering the system will allow the user to select the type of “bureau” and generate the
text file according the selected bureau.

Scheduler will create a separate folder for (Individual/Commercial) under a shared folder against Each
request, and generate all four files for four “Bureau” and dump the files there, and update the request as
“Processed”. So at any point of time user can revisit Process Manager and find the link of the Folder there
against a previous processed request.

Rules for generating the files and the segments details:

For individual reporting the tagging of the file will be according to the table as follows –

Each section will be of fixed length as defined.

Data mentioned in the “FNAME” will represent the data column name of the data and the “####” fields will
be replaced with the data value of that column.

For each tag after the tag name and code the length of the data has to be reported.

The format is as follows –

<TUDF VAL="TUDF12NB66200001 SREI AZddmmyyyyCN583

L00000 " />
<PN VAL="PN03N01">
<TAG01 CODE="01" MAXLENGTH="26" FNAME="NAME" VAL="" TYPE="T" WTYPE="V"/>
<TAG07 CODE="07" MAXLENGTH="8" FNAME="DOB" VAL="" TYPE="D" WTYPE="F"/>
<TAG08 CODE="08" MAXLENGTH="1" FNAME="GENDER_TYPE" VAL="" TYPE="N" WTYPE="F"/>
</PN>
<ID VAL="ID03I01">
<TAG01 CODE="01" MAXLENGTH="2" FNAME="ID_CODE" VAL="" TYPE="T" WTYPE="V"/>
<TAG02 CODE="02" MAXLENGTH="30" FNAME="ID_DATA" VAL="" TYPE="T" WTYPE="V"/>
<TAG0201 CODE="02" MAXLENGTH="30" FNAME="" VAL=" " TYPE="T"
WTYPE="V"/>
</ID>
<PT VAL="PT03T01">
<TAG0103 CODE="01" MAXLENGTH="20" FNAME="PHONE_BUSINESS" VAL="" TYPE="T" WTYPE="V"/>
<TAG0101 CODE="01" MAXLENGTH="20" FNAME="PHONE_MOBILE" VAL="" TYPE="T" WTYPE="V"/>
<TAG0303 CODE="03" MAXLENGTH="2" FNAME="" VAL="03" TYPE="T" WTYPE="V"/>
<TAG0301 CODE="03" MAXLENGTH="2" FNAME="" VAL="01" TYPE="T" WTYPE="V"/>
</PT>
<EC VAL="EC03C01">
<TAG01 CODE="01" MAXLENGTH="70" FNAME="EMAIL_BUSINESS" VAL="" TYPE="T" WTYPE="V"/>
</EC>
<PA VAL="PA03A01">
 <TAG01 CODE="01" MAXLENGTH="40" FNAME="STREET" VAL="" TYPE="T" WTYPE="V"/>
<TAG04 CODE="04" MAXLENGTH="40" FNAME="CITY" VAL="" TYPE="T" WTYPE="V"/>
<TAG06 CODE="06" MAXLENGTH="2" FNAME="CIBIL_SC_IND" VAL="" TYPE="T" WTYPE="V"/>
<TAG07 CODE="07" MAXLENGTH="10" FNAME="ZIP_CODE" VAL="" TYPE="T" WTYPE="V"/>
<TAG08 CODE="08" MAXLENGTH="2" FNAME="" VAL="02" TYPE="T" WTYPE="V"/>
</PA>
<TL VAL="TL04T001">
<TAG01 CODE="01" MAXLENGTH="10" FNAME="" VAL="NB66200001" TYPE="T" WTYPE="V"/>
<TAG02 CODE="02" MAXLENGTH="16" FNAME="" VAL="SREI" TYPE="T" WTYPE="V"/>
<TAG03 CODE="03" MAXLENGTH="25" FNAME="TEMP_CONTRACT_NO" VAL="" TYPE="T" WTYPE="V"/>
<TAG04 CODE="04" MAXLENGTH="2" FNAME="ACCOUNT_TYPE_CODE" VAL="" TYPE="T" WTYPE="V"/>
<TAG05 CODE="05" MAXLENGTH="1" FNAME="OWNERSHIP_TYPE" VAL="" TYPE="T" WTYPE="V"/>
<TAG08 CODE="08" MAXLENGTH="8" FNAME="COMMENCEMENT_DATE" VAL="" TYPE="D" WTYPE="V"/>
<TAG09 CODE="09" MAXLENGTH="8" FNAME="LAST_PAYMENT_RECEIVED_ON" VAL="" TYPE="D"
WTYPE="V"/>
<TAG10 CODE="10" MAXLENGTH="8" FNAME="CLOSURE_DATE" VAL="" TYPE="D" WTYPE="V"/>
<TAG11 CODE="11" MAXLENGTH="8" FNAME="TO_DATE" VAL="" TYPE="D" WTYPE="V"/>

<TAG12 CODE="12" MAXLENGTH="9" FNAME="FINANCED_AMOUNT" VAL="" TYPE="N" WTYPE="V"/>

<TAG13 CODE="13" MAXLENGTH="10" FNAME="CURRENT_BALLENCE" VAL="" TYPE="N" WTYPE="V"/>
<TAG14 CODE="14" MAXLENGTH="9" FNAME="OD_CLOSING" VAL="" TYPE="N" WTYPE="V"/>
<TAG15 CODE="15" MAXLENGTH="3" FNAME="OD_SINCE_DAYS" VAL="" TYPE="N" WTYPE="V"/>
<TAG16 CODE="16" MAXLENGTH="10" FNAME="" VAL=" " TYPE="T" WTYPE="F"/>

<TAG21 CODE="21" MAXLENGTH="2" FNAME="" VAL="00" TYPE="T" WTYPE="V"/>

<TAG22 CODE="22" MAXLENGTH="2" FNAME="" VAL=" " TYPE="T" WTYPE="V"/>
<TAG44 CODE="44" MAXLENGTH="2" FNAME="" VAL="00" TYPE="T" WTYPE="V"/>
<TAG46 CODE="46" MAXLENGTH="2" FNAME="" VAL="00" TYPE="T" WTYPE="V"/>
</TL>

For Commercial reporting the tagging of the file will be according to the table as follows –
7.1. Header Segment (HD)

No Field Name Field Option Field Type Maximum Description BPM Remarks
Character Length
Segment Required Text 2 Must contain the Ok
1. Identifier value HD

Member ID Required Text 10 Must contain the CIBIL

2. Identification /EquiFax/Exper
Number assigned by ion/CRIF
BUREAU to the
Member.
If the Member ID
changes and the new
Member ID is being
reported for the first
time, complete this
field with the new
Member ID.
Previous Member Required Text 10 To be used in the Blank
3. ID Conditionally immediate
submission, following
a merger or
acquisition between
2 existing Members.
Previous Member ID
 may have to be
obtained from
TransUnion CIBIL
Date of Creation Required Date 8 Date when the Data To_date?
4. & Certification of Input File was
Input File created/ extracted/
generated & certified
from the Member
Branch’s system.
Must be valid
calendar date and in
DDMMYYYY format.
Reporting / Cycle Required Date 8 Date up to which Current Date
5. Date information is
reported. This is not
the date on which
the Data Input File
was created nor the
date of extraction.
Must be a valid
calendar date and in
DDMMYYYY format.
E.g. ABC Bank reports
data as on March 31,
2006, extracts the
Data Input File on
April 05, 2006 and
submits the data to
TransUnion CIBIL on
April 12, 2006. In this
case, the reporting
date will be
31032006.
Information Type Required Text 2 It should contain 01 01
6.

Filler When Available Text 225 Reserved for future Blank

7. use. This field is to be
left blank

7.2. Borrower Segment (BS)

No. Field Name Field Option Field Type Maxi Description BPM Remarks
mum
Chara
cter
Lengt
h
Segment Required Text 2 It must be BS. Ok
1. Identifier

Member Required Text 15 Identification code of the member’s branch where HO

2. Branch Code the credit facility has been granted.
If the Member Branch code changes and the new
Member Branch code is being reported for the first
time, complete this field with the new Member
Branch code.
 Provide the old Member Branch code in the
Previous Member Branch code.
Previous Required Text 15 Must contain the previous Identification code of Not Known
3. Member Conditionally the member’s branch where the credit facility had
Branch Code been granted.
The Previous Identification Number should be
provided in the immediate submission following a
change in Member Branch Code due to merger or
acquisition or any other reason.
Hence, post a merger or acquisition or any such
reason prompting a change in the Member Branch
Code, the Previous Member Branch Code becomes
a Required field in the submission immediately
following such a change.
Borrower’s Required Text 125 Legal Business Name of Borrower. In case of Name of Party
4. Name Commercial Paper “Name of the CP Issuer”

Borrower When Text 20 Borrower‘s Short Name Not Found

5. Short Name Available

Company When Text 30 Company Registration Number issued by Registrar Not Found
6. Registration Available of Companies
Number
Date of When Date 8 The date on which the Business is Registered / Date of Birth of
7. Incorporation Available Incorporated Party for business
Party??
PAN When Text 15 Permanent Account Number issued by Income Tax PAN
8. Available Authority

CIN When Text 30 Corporate Identification Number Not Found

9. Available

TIN When Text 30 Tax Identification Number for Non-Individuals Blank

10. Available issued by Income Tax Authority

Service Tax # When Text 30 Service Tax Registration Number issued by Central Blank
11. Available Excise Authority

Other ID When Text 30 Reserved for future use. This field is to be left Blank
12. Available blank.

Borrower’s Required Text 2 Refer to Legal Constitution catalogue on page 39 Not classified.-99
13. Legal for a list of valid values.
Constitution
Business Required Text 2 Refer to Business Category catalogue on page 39 Others – 07
14. Category for a list of valid values.

Business/ Required Text 2 Refer to Business / Industry Type catalogue on Others -11
15. Industry Type page 39 for a list of valid values.

Class of Required Text 5 Classification of Activity/Occupation as per Reserve Not Found

16. Activity 1 Conditionally Bank of India, Handbook of Instructions, Basic
Statistical Returns 1 and 2, Latest Edition
Class of Activity is to be mandatorily reported for
Individual borrowers.
Class of When Text 5 Classification of Activity/Occupation as per Reserve Not Found
17. Activity 2 Available Bank of India, Handbook of Instructions, Basic
Statistical Returns 1 and 2, Latest Edition
Class of When Text 5 Classification of Activity/Occupation as per Reserve Blank
18. Activity 3 Available Bank of India, Handbook of Instructions, Basic
Statistical Returns 1 and 2, Latest Edition
SIC Code When Text 20 Standard Industrial Classification code to specify Blank
 19. Available which industry the company belongs to

Sales Figure When Numeric 20 Sales Figure as of Previous Financial year (year Blank
20. Available before the current running financial year) is to be
reported.
Financial Year When Date 8 Financial year for which Sales information is Blank
21. Available provided

Number of When Numeric 8 This includes the count of permanent employees Blank
22. Employees Available

Credit Rating When Text 10 Credit Rate or Score issued by recognized Blank
23. Available Assessment agencies or Authorities.
In case of Commercial Paper, “Rating Agency” to
be reported.
Assessment Required Text 2 Report this field when Borrower Level Rating is Blank
24. Agency / Conditionally reported. Refer to 8.19 Assessment
Authority Agency/Authority on page 52 for a valid list of
catalogue values
In case of Commercial Papers, “ Name of CRA” to
be reported
Credit Rating When Date 8 Date Credit Rating was issued Blank
25. As On Available

Credit Rating When Date 8 Date until which the Credit Rating is Valid Blank
26. Expiry Date Available

Filler When Text 41 Reserved for future use. This field is to be left Blank
27. Available blank.

7.3. Address Segment (AS)

No. Field Name Field Option Field Type Maximu Description BPM Remarks
m
Charact
er
Length
Segment Required Text 2 It must be AS. Ok
1. Identifier

Borrower Required Text 2 Refer to Location Type catalogue on page Others 05

2. Office 40 for a list of valid values.
Location Registered Address is Mandatory.
Type
Borrower See Description Text 13 Report D-U-N-S Number assigned Blank
3. Office DUNS specifically for the Registered Office of
Number the Borrower.
If D-U-N-S Number has not been
assigned, return 999999999
Address Required Text 200 The address is to be parsed logically Street, City,state??
4. Line 1 under the fields Address Line1, Address Discussion with Arijit
Line2, Address Line3, City/Town, District, where is address line?
State/ Union Territory. If this is not
possible, the entire address should
 Address When Available Text 200 appear in Address Line1. Do not truncate.
5. Line 2 Use comma separated values. Do not
split whole words. If insufficient, please
use Address Line 2 and Address Line 3

Address When Available Text 200

6. Line 3

7. City/Town When Available Text 40 City

8. District When Available Text 40 Not Found

9. State/Union When Available Text 2 Refer to State catalogue on page 40 for a State
Territory list of valid values.

10. Pin Code When Available Text 6 Zipcode

11. Country When Available Text 3 Report default Value 079 (India). 079

12. Mobile When Available Text 55 Use comma separators for multiple Phone Business ??
Number(s) numbers what to be
communicated to user

13. Telephone When Available Text 6 Blank

Area Code

14. Telephone When Available Text 55 Use comma separators for multiple Not Found
Number(s) numbers
 15. Fax Area When Available Text 6 Blank
Code

16. Fax When Available Text 55 Use comma separators for multiple Fax- Business??
Number(s) numbers

17. Filler When Available Text 31 Reserved for future use. This field is to be Blank
left blank.

7.5. Credit Facility Segment (CR)

No. Field Name Field Option Field Maximu Description BPM Remarks
Type m
Charact
er
Length
Segment Identifier Required Text 2 It must be CR Ok
1.

Account Number Required Text 25 Account Number assigned by the Member Contract No
2. to the Borrower.
Note: In case CR Field ID # 7 = 0200
(Overdraft) provide overall facility number
and NOT the individual drawdown number.
Previous Account When Text 25 Previous Credit Facility Number where Blank
3. Number Available Credit Facility Number is
reassigned/changed
Facility / Loan When Date 8 Date on which the Credit Facility was first Contract Start
4. Activation / Available activated by the Member. Date(commencement Date)
Sanction Date In case of Renewal, report the renewal
date in CF Field ID # 14
In case of Commercial Paper the ‘Issue
Date’ is to be given.
Sanctioned Required Numeric 20 Sanctioned/ Approved amount of Financed Amount
5. Amount/ Notional loan/credit as at the end of reporting
Amount of Contract period. In case of Derivative, the Notional
Amount of the contract has to be given.
In case of Commercial Paper, the amount
of CP to be given.
Note: This amount must be positive and
specified in the base currency (Currency
reported in Currency Code field) in which
the Credit Facility was granted
Currency Code Required Text 3 Refer to “Currency Code – ISO code 421” INR
6. catalogue on page 41 for a list of valid
values.
Note: The Currency mentioned in this field
is linked only to the Sanctioned Amount /
Notional Amount of Contract
 Credit Type Required Text 4 Refer to Credit Type catalogue on page 44 Account Type Code
7. for a list of valid values.

Tenure / Weighted When Numeric 3 Number of months the Credit facility is Not Found
8. Average maturity Available extended / Weighted Average maturity
period of Contracts period of Contracts for Derivatives only. If
the number of Months exceeds 999, report
999.
Repayment Required Text 2 Refer to Repayment Frequency catalogue Not Found
9. Frequency on Page 52 for the list of valid values

Drawing Power Required Numeric 20 Drawing Power as computed by the Financed Amount
10. Member

Current Balance / Required Numeric 20 In case of credit balance, please prefix OD + POS in OL Case for
11. Limit Utilized /Mark negative sign. In case of Derivative, Mark others current balance field is
to Market to Market has to be reported. considerd??
Note: This field must have the current
balance in INR - Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Notional Amount of When Numeric 20 Report Notional Amount of Out-standing Blank
12. Out-standing Available Contracts which has been restructured.
Restructured This field is applicable for Derivatives only.
Contracts Note: This amount must be positive and
must contain the notional amount in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Loan Expiry / When Date 8 Expected date of Maturity of the loan. Not Found
13. Maturity Date Available Should be reported for all the facilities
except revolving facilities without expiry
date.
In case of Commercial Papers, the
“Maturity Date: is to be given.
Loan Renewal Date When Date 8 Expected date of Renewal of the loan. To Blank
14. Available be reported for all revolving credit
facilities.

Asset Required Text 4 Refer to Asset Classification catalogue on Not Known

15. Classification/Days page 46 for a list of valid values.
Past Due (DPD)

Asset Classification When Date 8 Should be the first effective date when the Blank
16. Date Available account moved to other than “Standard”
for the first time.

Amount Overdue / Required Numeric 20 The amount that has been overdue in the OD closing
17. Limit Overdue account. If no overdue amount then "0"
needs to be populated
Note: This amount must be positive and
must contain the amount overdue in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
In case of Commercial Papers, “Amount of
Default” to be given.
 Overdue Bucket 01 When Numeric 20 Report the Amount Overdue between 1 – Not Known
18. ( 1 – 30 days) Available 30 days
Note: This amount must be positive and
must contain the amount overdue in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Overdue Bucket 02 When Numeric 20 Report the Amount Overdue between 31 – Not Known
19. ( 31 – 60 days) Available 60 days
Note: This amount must be positive and
must contain the amount overdue in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Overdue Bucket 03 When Numeric 20 Report the Amount Overdue between 61 – Not Known
20. ( 61 – 90 days) Available 90 days
Note: This amount must be positive and
must contain the amount overdue in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Overdue Bucket 04 When Numeric 20 Report the Amount Overdue between 91 – Not Known
21. (91 – 180 days) Available 180 days
Note: This amount must be positive and
must contain the amount overdue in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Overdue Bucket 05 When Numeric 20 Report the Amount Overdue for more than Not Known
22. (Above 180 days) Available 180 days
Note: This amount must be positive and
must contain the amount overdue in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
High Credit When Numeric 20 Highest amount of credit used by borrower Blank
23. Available during the reported period
Note: This amount must be positive and
must contain the Highest credit in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Installment Amount When Numeric 20 Amount paid by the Borrower to the Not Known
24. Available Member for repayment of the Credit
Facility
Note: This amount must be positive and
must contain the Installment amount in
INR - Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Last Repaid Amount When Numeric 20 The latest amount paid by the borrower Not Known
25. available Note: This amount must be positive and
must contain the last repaid amount in INR
- Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
 INR should be reported in this field
Account Status Required Text 2 Refer to Account Status catalogue on page Not Known
26. 47 for a list of valid values.

Account Status Date When Date 8 The date on which the account status is Closure Date
27. Available effective from.

Written Off Amount When Numeric 20 Amount written off form the overall Not Known
28. Available liability
Note: This amount must be positive and
must contain the Written off amount in INR
- Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Settled Amount When Numeric 20 Amount paid in full settlement of overdue Not Known
29. Available loans
Note: This amount must be positive and
must contain the Settled amount in INR -
Indian Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Major reasons for When Text 2 01= Restructured due to Non-Performance Blank
30. Restructuring Available 02= Restructured due to Natural Calamity
99= Others

Amount of When Numeric 20 Applicable for Derivatives only Blank

31. Contracts Classified Available Note: This amount must be positive and
as NPA must contain the amount in INR - Indian
Rupees.
If the Credit Facility is sanctioned in a
foreign currency, the equivalent amount in
INR should be reported in this field
Asset based When Text 2 Refer to Security Coverage catalogue on Blank
32. Security coverage Available page 52 for a list of valid values.
0

Guarantee When Text 2 Refer to Guarantee Coverage catalogue on Blank

33. Coverage Available page 52 for a list of valid values.

Bank Remark Code When Text 100 Free text for banks to provide any Blank
34. Available comments
Report “JOINT” in case of Joint Loans
against both the borrower & the Co-
borrower(s).
Wilful Default Required Numeric 1 0 = Not Wilful Defaulter; 0
35. Status 1 = Wilful Defaulter

Date Classified as Required Date 8 Date on which the Member classified the Blank
36. Wilful Default Conditionally Account as being in wilful default. This field
must be reported when Wilful Default
Status is reported as “1- Wilful Defaulter”
Suit Filed Status When Text 2 Refer to Suit Filed Status catalogue on page Blank
37. Available 47 for a list of valid values.

Suit Reference Required Text 25 Internal reference number to the suit filed. Blank
38. Number Conditional This field must be reported when there is a
 Suit Filed (Suit Filed status other than 00 -
Not a Suit Filed Case)
Suit Amount in Required Numeric 20 The total amount for which the suit has Blank
39. Rupees Conditional been filed.
This field must be reported when there is a
Suit Filed (Suit Filed status other than 00 -
Not a Suit Filed Case)
Note: This amount must be positive and
must contain the Suit amount in INR -
Indian Rupees.
Date of Suit Required Date 8 Date when suit was admitted by Authority Blank
40. Conditional This field must be reported when there is a
Suit Filed (Suit Filed status other than 00 -
Not a Suit Filed Case)
Dispute ID No. When Text 20 This field should be filled only when the Blank
41. Available Dispute is raised and is not applicable for
regular submission. The Dispute ID would
be provided by TransUnion CIBIL upon
registering a dispute.
Transaction Type When Text 2 Refer to Transaction Type Code catalogue Blank
42. Code Available on page 474 for a list of valid values.
This field should by default have the value
“01 – Normal Submission”
OTHER_BK When Text 42 Name of other Banks/ FIs. Blank
43. Available The names of other Banks/FIs from which
the party has availed credit facility should
be indicated. Multiple Banks/FIs may be
provided separated by commas and in
abbreviated form.
UFCE (Amount) When Numeric 20 Future Use (Unhedged Foreign Currency Blank
44. Available Exposure)

UFCE Date When Date 8 Future Use (Unhedged Foreign Currency Blank
45. Available Exposure Date)

7.6. Guarantor Segment (GS)

No. Field Name Field Option Field Type Maximum Description BPM Remarks
Character
Length
Segment Identifier Required Text 2 It must be GS. OK
1.

Guarantor DUNS See Description Text 13 Report D-U-N-S Number assigned Blank
2. Number specifically for the Registered
Office of the Guarantor.
If D-U-N-S Number has not been
assigned, return 999999999
Guarantor Type Required Text 1 1= Business Entity Registered in 1
3. India 2=Resident Indian Individual
3= Business Entity Registered
Outside India
4= Foreign/ Non-Resident Indian
Individual
 Business Category Required Text 2 Required if GS Field ID # 3 =1 or Others – 07
4. 3. Refer to Business Category
catalogue on page 39 for a list of
valid values.
Business / Industry Required Text 2 Required if GS Field ID # 3=1 or 3. Others-11
5. Type Refer to Business / Industry Type
catalogue on page 39 for a list of
valid values.
Guarantor Entity Required Text 125 Required Blank
6. Name Conditionally if GS Field ID # 3 = 1 or 3

Individual Name When Available Text 15 Mr, Ms, Mrs, Dr, etc., Only when Blank
7. Prefix GS Field ID # 3 = 2 or 4

Full Name Required Text 150 Required Name

8. Conditionally if GS Field ID # 3 = 2 or 4

Gender When Available Text 2 Only When GS Field ID # 3 =2 or 4 Gender type

9. 01 Male; 02 Female;
03 Transgender
Company When Available Text 30 Report only when GS Field ID # 3 Blank
10. Registration = 1 or 3.
Number Company Registration Number
issued by Registrar of Companies
Date of When Available Date 8 Report only when GS Field ID # 3 Not Found
11. Incorporation = 1 or 3.
The date on which the Business is
Registered / Incorporated
Date of Birth When Available Date 8 Report only when GS Field ID # 3 DOB
12. = 2 or 4.

PAN When Available Text 10 Permanent Account Number PAN

13. issued by Income Tax Authority

Voter ID When Available Text 30 Issued by Election Commission of Voter id

14. India
Only when GS Field ID # 3 = 2 or 4
Passport Number When Available Text 30 Only when GS Field ID # 3 = 2 or 4 Passport
15. Number

Driving Licence ID When Available Text 30 Only when GS Field ID # 3 = 2 or 4 Driving_Licens

16. e

UID When Available Text 30 Issued by Government of India Not Found

17. Only when GS Field ID # 3 = 2 or 4

Ration Card No When Available Text 30 Only when GS Field ID # 3 = 2 or 4 Not Found
18.

CIN When Available Text 30 Corporate Identification Number Not Found

19.

DIN When Available Text 12 Director Identification Number Not Found

20. issued by Ministry of Company
Affairs.
Only when GS Field ID # 3 = 2 or 4
TIN When Available Text 30 Tax Identification Number for Not Found
21. Non-Individuals issued by Income
Tax Authority
Service Tax # When Available Text 30 Service Tax Registration Number Not Found
22. issued by Central Excise Authority
 Other ID When Available Text 30 Reserved for future use. This field Blank
23. is to be left blank.

Address Line 1 Required Text 200 Street,

24. City,state??
Discussion
Address Line 2 When Available Text 200 The address is to be parsed with Arijit
25. logically under the fields Address where is
Line1, Address Line2, Address address line?
Address Line 3 When Available Text 200 Line3, City/Town, District, State/
26. Union Territory. If this is not
possible, the entire address
should appear in Address Line1.
In such case report City/Town
Name appropriately, without
truncating or splitting into the
next field. Do not truncate. Use
comma separated values. Do not
split whole words. If insufficient,
please use Address Line2 and
Address Line 3

City/Town When Available Text 40 City

27.

District When Available Text 40 Not Found

28.

State/Union When Available Text 2 Report for 1= Business Entity State

29. Territory Registered in India
2=Resident Indian Individual
Refer to State catalogue on page
40 for a list of valid values.
Pin Code When Available Text 6 Report for 1= Business Entity Zipcode
30. Registered in India
2=Resident Indian Individual
Country When Available Text 3 Report for 1= Business Entity 079
31. Registered in India
2=Resident Indian Individual.
Refer to Country Code/
Nationality catalogue on page 48
for a list of valid values.
Mobile Number(s) When Available Text 55 Use comma separators for Phone
32. multiple numbers Business?

Telephone Area When Available Text 6 Not Found

33. Code

Telephone When Available Text 55 Use comma separators for Not found
34. Number(s) multiple numbers

Fax Area Code When Available Text 6 Not Found

35.

Fax Number(s) When Available Text 55 Use comma separators for Fax_Business?
36. multiple numbers

Filler When Available Text 58 Reserved for future use. This field Blank
37. is to be left blank.
 7.9. File Closure Segment (TS)

No. Field Name Field Option Field Type Maximum Description BPM Remarks
Character
Length
Segment identifier Required Text 2 It must be TS Ok
1.

Number of Borrower Required Numeric 10 Total number of Borrower Total No of

2. Segments Segments reported in the Borrowers
file reported
Number of Credit Facility Required Numeric 15 Total number of Credit Total No of
3. Segments Facility Segments reported Contracts
in the file reported
Filler When Text 65 Reserved for future use. Blank
4. Available This field is to be left blank.

For all the tag each segment has to be in a separate line.

All the tags have to be separated by “|”.

For ease of reporting the name of the file will be as follows –

“Name of the bureau” + “_” + “Code” + “_” + “current date” + “_” + “no of records” + “. tap/.txt”