Bureau Ind

Last observed DPD > 0.

Front-loaded, random, back-loaded.

Valid score range (300–900).

Share of pre-screen vs pre-disb enquiries.

Flag if enquiry amount ≥ threshold.

Count of enquiries by purpose type.

High/medium/low based on recency.

Normalised borrower role classification.

Outstanding balance as percentage of highest sanctioned amount.

Total credit limit across all revolving accounts

Total outstanding across revolving accounts

Highest utilisation observed across all cards

Flag if any card has outstanding > limit

Total enquiries made in last 3 months

Total enquiries made in last 6 months

Total enquiries made in last 12 months

Unsecured credit enquiries last 3 months

Unsecured enquiries last 12 months

Credit card enquiries in last 6 months

Personal loan enquiries in last 6 months

Consumer durable loan enquiries in last 6 months

Auto loan enquiries in last 12 months

Home loan enquiries in last 12 months

Total number of months since earliest credit account opened

Age of the oldest loan or credit card in months

Number of accounts opened in last 3 months

Number of accounts opened in last 6 months

Distinct lenders reporting accounts

Number of lenders with at least one active account

Total number of tradelines in bureau report

Number of currently active tradelines

Number of tradelines closed or reported as closed

Number of accounts closed by settlement

Number of accounts written off by lender

Total sanctioned amount across all accounts

Total outstanding across all tradelines

Sum of monthly instalments across all active loans

Total unsecured loan accounts

Total secured loan accounts

Total number of credit card accounts

Total consumer durable/retail loan accounts

Number of commercial/MSME loan accounts

Total home loan/mortgage trades

Total auto/vehicle loan accounts

Count of micro/small-ticket loans

Number of late payment instances in last 12 months

Total late payments in last 24 months

Number of times DPD ≥30 in last 12 months

Number of times DPD ≥60 in last 24 months

Number of times DPD ≥90 at any point in history

Total overdue amount currently outstanding

Number of months since last delinquency

Longest continuous streak of delinquent months

Total written-off amount across all accounts

Total settlement amount across all settled accounts

Flag for NPA indicators

Fraud-specific risk score from bureau or model

Age calculated from CIBIL DOB

Flag if address matches application address

Score indicating address match strength

Maps bureau address category and residence type.

Flag if bureau DOB matches application DOB

Score for DOB similarity

Sanctioned / high-credit amount for the specific loan account as reported in the CIBIL tradeline

Current outstanding balance for the specific loan account as reported in the CIBIL tradeline

Latest payment amount reported.

Last reported payment date.

Flag secured vs unsecured on each account.

True if CRIF returns valuation amount.

Name of credit bureau providing the report.

Date and time when the bureau report was generated.

Member ID of reporting financial institution.

Ownership role such as borrower, co-borrower, or guarantor.

Drawing power applicable for CC or OD accounts.

Date on which the loan account was opened.

Loan expiry or maturity date.

Frequency of repayment such as monthly or weekly.

Free-text remarks including bounce or delinquency notes.

Primary bureau score

Business email ID as per bureau.

Account number identifier from bureau tradeline.

Raw bureau account type code/text per tradeline.

Start month/date of payment history window.

End month/date of payment history window.

Interest rate reported for the tradeline if available.

Total repayment tenure for tradeline.

Full applicant name as reported by CIBIL

Date of birth as reported by CIBIL