COMMERCIAL CREDIT INFORMATION REPORT (CCR) -
GUIDE
Commercial Credit Information Report (CCR) Guide
Contents
Introduction................................................................................................................................ 3
Section 1 - Report Header........................................................................................................... 4
Section 2 - Enquiry Information ................................................................................................. 4
Section 3 - Borrower Profile........................................................................................................ 5
Section 4 TransUnion CIBIL Rank .......................................................................................... 6
Section 5 - Credit Profile Summary ............................................................................................ 6
Section 6 - Enquiry Summary ..................................................................................................... 7
Section 7 - Derogatory Information ............................................................................................ 8
Section 8 - Outstanding Balances Details .................................................................................... 9
Section 9 - Location Details ....................................................................................................... 10
Section 10 - Related Parties Details ........................................................................................... 11
Section 11 - Credit Facility Details as Borrower..................................................................... 12
Section 12 - Credit Facility Details as Guarantor ................................................................... 15
Section 13 - Suit Filed Details.................................................................................................... 17
Section 14 - External Credit Rating Summary .......................................................................... 17
Section 15 - Enquiry Details ...................................................................................................... 18
Frequently Asked Questions (FAQs)......................................................................................... 19
Tables ....................................................................................................................................... 21
List of abbreviations ................................................................................................................. 22
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Commercial Credit Information Report (CCR) Guide
Introduction
The Commercial Credit Information Report (CCR) is a comprehensive credit report providing
detailed credit information about commercial entities such as public limited companies, private
limited companies, partnership firms, proprietorships amongst others.
CCR helps in taking informed lending decisions by providing holistic information on:
Borrower profile
Related entities
Credit Facilities
Guarantees
Security details
Wilful default and Suits filed
Enquiries
The various sections of the CCR, which are detailed in the guide are:
Sl.No. Report Section Name Brief Description of the Report Section
Details on report date, report ordered by, report
1 Report Header
order number
2 Enquiry Information Search parameters used to generate the CCR
Demographic Information along with the current
3 Borrower Profile status of delinquency and status in the last 24
months
4 TransUnion CIBIL Rank Commercial Rank of the Borrowing Entity
Summary of credit facility count and corresponding
5 Credit Profile Summary balance amount with your institution and other
lenders along with delinquent information
Enquiry summary for last 24 months with your
6 Enquiry Summary
institution and other lenders
Wilful default, Suit Filed, Write-off,
7 Derogatory Information Invoked/Devolved credit facility information with
your institution and other lenders
Outstanding balances details by credit facility
8 Outstanding Balances Details
group-wise and corresponding asset classification
Address details of various locations of the borrower
9 Location Details
entity
10 Related Parties Details Demographic Information of related parties
Credit Facility Details as
11 Details of every credit facility taken as borrower
Borrower
Credit Facility Details as Details of every credit facility guaranteed by the
12
Guarantor borrower entity
13 Suit Filed Details Suit filed information including the current status
External Credit Rating Latest three external credit ratings of the borrower
14
Summary entity
15 Enquiry Details Last 24 months enquiry details
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Commercial Credit Information Report (CCR) Guide
Section 1 - Report Header
Following are the details displayed in this section:
Field Description
Report Order Number It is a unique running serial number auto generated by the
system for every report delivered. The ID is prefixed with
-
Report Order Date Report generation date
Report Ordered By ID of the user generating the CCR
Member Name of the member to whom the logged-in user belongs to
Application Reference Number Loan Application number provided by the user during search
in the "Member Reference Number" field
Section 2 - Enquiry Information
This section contains the search parameters that are entered by the user to search for the CCR. The
search parameters are displayed in a comma separated manner as shown in below. The first part is the
name of the borrowing entity followed by an identifier and then the address. If multiple identifiers
used, all the identifiers will be displayed separated by comma. However, the enquiry
information will give the count of addresses used in the search and not display the address(es) used
in the search.
Table 01: Enquiry Information
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Commercial Credit Information Report (CCR) Guide
Section 3 - Borrower Profile
The latest reported demographic information of the borrower entity is displayed in this section. The
borrower profile is split into three sub-sections viz. Borrower Details, Address & Contact Details
and Identification Details as can be seen from the illustrative table below.
A very key information on the delinquency of the borrower entity and its related parties is also
shown which provides a quick health check on the borrower entity. Except for asset classification of
other asset classifications are considered as delinquent for
the purpose of the CCR.
The
information prior to last 12 months up to 24 months.
Delinquencies on the related parties / guarantors of the borrower entity are also summarised in
this section. The outstanding balance amounts shown in brackets are in INR actuals and are the sum
total of all the credit facilities that may have been reported as delinquent for the related parties /
guarantors
name for easy reference. For further details on the related parties, the respective CCR needs to be
generated.
Table 02: Borrower Profile
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Commercial Credit Information Report (CCR) Guide
Section 4 TransUnion CIBIL Rank
TransUnion CIBIL Rank section quantifies the credit health of the borrower entity. Currently, the
rank is available for Micro, Small and Medium Enterprises (MSMEs) and hence it is called as CIBIL
MSME Rank (CMR). The rank value is in the range of CMR-1 to CMR-10, CMR-1 being the best
rank and CMR-
is not eligible for a CMR. The reason for the exclusion are also given in the report.
Table 03: TransUnion CIBIL Rank
The CMR is a subscription based service in addition to the CCR. If the user, while ordering the CCR,
, the message printed in this section will appear as:
Rank not selected
It may also happen that your institution may have opted out of the CMR subscription altogether. In
this scenario the message will appear as:
Rank. To subscribe, please reach out t
Section 5 - Credit Profile Summary
The Credit Profile Summary section refers to the following details on the credit facilities that the
borrower entity enjoys with your institution and with other lenders:
Total Lenders lender type-wise break-up of count of lenders
Ownership-wise Count of Total Credit Facilities as borrower and as guarantor
o This helps to understand how many credit facilities are has the entity taken on its name
and how many of the credit facilities are guaranteed by it
Count of total open credit facilities
are considered for this field
Total outstanding amounts wallet share% is calculated as total outstanding amount from your
institution / Total outstanding from all the lenders
In table 4 below, 5.32% of the outstanding amounts of credit facilities taken as borrower is with
your institution (11,00,000 / 2,06,79,000)*100 = 5.32%
Latest Credit Facility Open Date helps understand the how credit active the entity is
Of the open credit facilities, the count of delinquent credit facilities and the corresponding
outstanding amounts are also depicted
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Commercial Credit Information Report (CCR) Guide
Table 04: Credit Profile Summary
Section 6 - Enquiry Summary
The Enquiry Summary gives an overview of the number of enquiries done on the borrower entity by
your institution or other lenders in various time buckets as can be seen in below:
Table 05: Enquiry Summary
The first month bucket is the immediate prior month from the report date. For e.g. if the report date is
01 May 2017, first month bucket will be for 01 Apr 01 May, 2-3 month bucket will be for 01 Feb
01 Apr and so on.
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Commercial Credit Information Report (CCR) Guide
Section 7 - Derogatory Information
Derogatory Information pertaining to wilful defaults, suit filed, write -offs, credit facilities invoked /
devolved, overdue and count of dishonoured cheques of the borrower entity and those of the
related parties/guarantors, if any, are reported in this section. It also lists the names of the entities
guaranteed by the borrower entity on whom derogatory information is available. For further details
on the guaranteed parties, the respective CCR needs to be generated.
Table 06: Derogatory Information
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Section 8 - Outstanding Balances Details
This section gives an overview of the asset classification for every credit facility type whether
taken from your institution or outside of your institution.
The credit facilities are grouped into:
Working Capital for e.g. cash credit, overdraft
Term Loan for e.g. demand loan, long term loan
Non Fund-based for e.g. bank guarantee, letter of credit
Forex for e.g. derivatives (Forex credit facility type not to be interpreted as facilities given in
foreign currency)
The Asset Classification is done basis the days past due (DPD) which are then rolled up to
Standard and Non-Standard.
Recognition, Asset Classification and Provisioning pertaining to Advances, July 2015.
Table 07: Outstanding Balances Details
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Section 9 - Location Details
This section lists all the addresses reported for the borrower entity. Other than the address displayed
section, all other addresses are detailed in this section.
(No. o know which address is reported by how many institutions. For e.g.
- The contact/fax
numbers are not for a specific location. This column lists out all the telephone / fax numbers that have
been ever reported for the borrower entity.
Table 08: Location Details
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