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CIBIL RANK is only available for companies with current credit exposure of up to Rs. 50 crores.

YOU’RE RUNNING A BUSINESS AND NEED A LOAN? Understand why your CIBIL RANK and Company Credit Report (CCR) matter!

What is CIBIL RANK and Company Credit Report (CCR)?

CIBIL CCR is a record of your company’s credit history. This is created from data submitted to CIBIL by lending institutions across India. The past payment behaviour of a company is a strong indication of its future behaviour. It is therefore important to understand that the CCR is heavily relied on by loan providers to evaluate and approve loan applications.

CIBIL RANK, summarizes your CCR in the form of one number. The rank is similar to the CIBIL Score provided for individuals. However, it is provided from a scale of 1 to 10, where 1 is the best rank that can be achieved. CIBIL Rank is available for companies with current credit exposure of up to Rs. 50 crores. Most importantly, CIBIL Rank indicates your company’s likelihood of missing payments, which is one of the key factors considered by a lender while evaluating a loan application. The closer your rank is to 1, the better are your chances of securing a loan.


Check your CIBIL RANK & Company Credit Report (CCR) now.

If you wish to purchase your CIBIL Company Credit Report (CCR) through Demand Draft (DD), please "DOWNLOAD" and follow the instructions.

 

How can I view my GST Report as a part of my Company Credit Report?
Your GST Report is now available along with your Company Credit Report (CCR) and CIBIL Rank to provide you with a 360° view of your business's financial wellness and credit health in one place. Your GST Report is based on your business’ GST returns filed on the GST Portal and includes details such as —

  • GST Filing Summary, which indicates whether returns have been filed on time
  • Month-wise trend of GST paid
  • Overview of monthly sales and purchase data and a detailed breakup of the same
  • Comparison of sales and purchase trends in the last 24 months

Subscribe now to view your GST Report with your CCR and CIBIL Rank.

 

How can the GST Report be useful for my business?
Your CCR, CIBIL Rank and GST Report together provide all the required information to be submitted during a commercial loan application process, saving both time and money for your business. Since the GST Report is based on data from the GST Portal, it acts as a trust-worthy data source and banks do not need to verify the authenticity of these reports. Your GST Report readily provides most of the information that banks seek to evaluate a loan application thereby accelerating the calculation of your business’ loan eligibility.

Disclaimer: Loan approvals and credit lending decisions are at the sole discretion of the bank / lending institution.

 

How do I know if the data on GST Report is correct?
Your GST Report is based on your business’ GST returns filed on the GST Portal by an authorized representative from your company.

 

How can I get a GST Report for my business?
Your GST Report is available at no extra cost along with your CIBIL Rank and CCR.

Your business GSTIN and a GSTIN-based authentication are mandatory to avail your GST Report. Once the authentication is successful, you will be able to view your GST Report in addition to your CIBIL Rank and Company Credit Report (CCR) on the dashboard. You will also be able to download a copy of your GST Report.

Click here to get your CCR, CIBIL Rank and GST Report.

 

Can I purchase my GST Report without CIBIL Rank and Company Credit Report?
Your GST Report is only available as a part of CIBIL’s Company Credit Report subscription plans. Please note that the GST Report is available at no additional cost.

 

What are the different subscription plans that I can choose from?
Stay connected to your business’ credit profile and financial well-being with the following Company Credit Report subscription plans:

  • Premium Plan (includes 12 GST reports refreshed monthly, weekly refresh access to CIBIL Rank and Company Credit Report, Dashboard) – valid for 12 months
  • Standard Plan (includes 6 GST reports refreshed monthly, weekly refresh access to CIBIL Rank and  Company Credit Report, Dashboard) – valid for 6 months
  • Basic Plan (includes 1 GST report, weekly refresh access to CIBIL Rank and Company Credit Report, Dashboard) – valid for 1 month

Click here to subscribe now.

 

How can I refresh the Company Credit Report, CIBIL Rank and GST Report?
Log in to your dashboard and click on the “Refresh” button to view your refreshed reports.

Your CIBIL Rank and Company Credit Report can be refreshed every 7 days during the validity of the subscription.

You can refresh your GST Report once every month for the duration of the subscription plan

Please note that you will need to complete the GSTIN-based authentication every time you refresh your GST Report.

 

I could not complete the GSTIN-based authentication during the request process. Can I still access my GST Report?
No. While you can access your CIBIL Rank and CCR without the GSTIN-based verification, you will not be able to access your GST Report. Use the following steps to complete the process and access your CIBIL Rank and CCR:

  1. Complete the payment for the chosen plan.
  2. Upload your KYC documents. You can do this either by following the instructions on the screen or by clicking on the KYC Upload link received on your registered email address.
  3. Once your KYC documents are successfully uploaded and scrutinized, you will receive an OTP to access your Company Credit Report and CIBIL Rank through your dashboard.

Note: A GSTIN-based verification allows you to access your GST Report as well as enables you to go paperless and access your CIBIL Rank and CCR faster.

 

I do not wish to access GST Report for my business. Do I still need to provide GSTIN during the sign-up process?
No. Providing GSTIN is not mandatory during the sign-up process. However, it is still advisable to provide your business’ GSTIN number so that your request can be authenticated faster. GSTIN-based authentication is quick, seamless and paperless, enabling you to access your business reports in real-time without uploading KYC documents.

 

I do not have a GSTIN for my business. Will I not be able to access CIBIL Rank and Company Credit Report?
If your business does not have a GSTIN, you can still go ahead and complete the request process without the GSTIN. Instead, you will need to upload KYC documents to authenticate your request, and you will receive a notification once your documents have been verified. After this, you will be able to view your CIBIL Rank and CCR.

 

Can I download a copy of the GST Report?
Yes, you can download a copy of your business’ GST Report from your dashboard.

 

Where can I read and understand more about all the terminologies used in the GST Report?
You can read more about various terminologies used in the GST Report by clicking here.