Regulatory Disclosures
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Complaints registered with CICs during the year ended March 31, 2026
Please Note:
- Complaints Registered with CICs refer to cases where Consumers, Commercial entities and MFI Consumers approached the CIC and the complaints were subsequently processed and serviced by the CIC.
- As per the Credit Information Companies (Regulation) Act, 2005, the prescribed Turnaround Time (TAT) for complaint resolution is 30 days.
- Difference in the complaints registered against the CI during the year in both tables is due to the PII related complaint wherein 1 unique complaint may be sent to multiple reporting CIs.
Complaints registered with CICs during the year ended March 31, 2026
| Financial Year | Total number of complaints received by the Credit Information Company (CIC) | Complaints pertaining to issues at Credit Institutions (CIs) level | Complaints pertaining to issues at CIC end | ||
|---|---|---|---|---|---|
| A = B + D |
Total number of complaints received (B) |
number of complaints unresolved within TAT (C) |
Total number of complaints received (D) |
number of complaints unresolved within TAT (E) |
|
| 2025-26 | 3,159,114 | 2,309,916 | 2,515 | 849,198 | 62,585 |
Complaints registered against the CIs with CICs during the year ended March 31, 2026
Please Note:
- The information contains the Credit Information records submitted by the respective Credit Institutions during the period of April 2025 till March 2026.
- The data contains the total number of Credit Information records successfully ingested into respective repositories (Consumer, Commercial and MFI) maintained by TU CIBIL for the reporting cycle month.
- Certain CIs that submitted data in previous years might not have submitted data in subsequent years due to mergers, amalgamations, or the termination of their Certificate of Registration (COR) by the Reserve Bank of India (RBI)
| SI. No. | Name of the CI | Number of records submitted by the CI during the year | Total number of complaints registered against the CI during the year | Complaints as percentage of total records submitted by the CI | Number of complaints unresolved within TAT by the CI as on reference date | Complaints unresolved within TAT as a percentage of total complaints registered against the CI |
|---|---|---|---|---|---|---|
| (A) | (B) | (C) | (D) | (E) | (F) | |
| [C as a % of B] | [E as a % of C] | |||||
| Total | 12,655,175,112 | 2,332,617 | 2,517 | |||
Complaints registered with CICs during the year ended March 31, 2025
Please Note:
Complaints registered with CICs:
- TAT (Turn Around Time) for resolution of complaints is 30 days as per Credit Information Companies Regulation Act, 2005.
- Complaints Data provided in column B and D is updated up to March 31, 2025.
Complaints registered with CICs during the year ended March 31, 2025
| Financial Year | Total number of complaints received by the Credit Information Company (CIC) | Complaints pertaining to issues at Credit Institutions (CIs) level | Complaints pertaining to issues at CIC end | ||
|---|---|---|---|---|---|
| A = B + D |
Total number of complaints received (B) |
number of complaints unresolved within TAT (C) |
Total number of complaints received (D) |
number of complaints unresolved within TAT (E) |
|
| 2024-25 | 22,94,855 | 1,714,771 | 14,261 | 5,80,084 | 31,133 |
Complaints registered against the CIs with CICs during the year ended March 31, 2025
Please Note:
- Certain CIs who had submitted data in the previous years may not have data submitted in the subsequent years either due to merger, amalgamation, or termination of Certificate of Registration (COR) by the Reserve Bank of India (RBI).
- The data contains the total number of records ingested into respective repository maintained by TU CIBIL for the reporting cycle month. month.
- Records for the month of March 2025 are not included in column B of the table.
- This information is extracted on April 01, 2025 and any submissions / uploaded post the cut-off date of April 01, 2025 is not considered
| SI. No. | Name of the CI | Number of records submitted by the CI during the year | Total number of complaints registered against the CI during the year | Complaints as percentage of total records submitted by the CI | Number of complaints unresolved within TAT by the CI as on reference date | Complaints unresolved within TAT as a percentage of total complaints registered against the CI |
|---|---|---|---|---|---|---|
| (A) | (B) | (C) | (D) | (E) | (F) | |
| [C as a % of B] | [E as a % of C] | |||||
| Total | 8,802,422,955 | 1,714,771 | 14,261 | |||
Complaints registered with CICs during the year ended March 31, 2024
Please Note:
Complaints registered with CICs:
- TAT (Turn Around Time) for resolution of complaints is 30 days as per Credit Information Companies Regulation Act, 2005.
- Complaints Data provided in column B and D is updated up to March 31, 2024. However, data is column C and E will be revised by mid-May 2024 for complaints received during March 2024 and closed during April 2024.
-
For complaints pertaining to issues at CIC end:
- Most of these complaints pertain to Enquiry section (credit application history of loans & credit cards). These could be because some Consumers are unaware / do not recollect that such credit applications will add an enquiry in their CIR (Credit Information Report).
- Various consumer education initiatives are carried out which has enabled to reduce these types of complaints in FY 23-24.
Complaints registered with CICs during the year ended March 31, 2024
| Financial Year | Total number of complaints received by the Credit Information Company (CIC) | Complaints pertaining to issues at Credit Institutions (CIs) level | Complaints pertaining to issues at CIC end | ||
|---|---|---|---|---|---|
| A = B + D |
Total number of complaints received (B) |
number of complaints unresolved within TAT (C) |
Total number of complaints received (D) |
number of complaints unresolved within TAT (E) |
|
| 2023-24 | 2,796,261 | 613,385 | 43,171 | 2,182,876 | 18,217 |
Complaints registered against the CIs with CICs during the year ended March 31, 2024
Please Note:
- Certain CIs who had submitted data in the previous years may not have data submitted in the subsequent years either due to merger, amalgamation, or termination of Certificate of Registration (COR) by the Reserve Bank of India (RBI).
- The data contains the total number of records ingested into respective repository maintained by TU CIBIL for the reporting cycle month.
- Records for the month of March 2024 are not included in column B of the table and will be revised by mid-May 2024.
- This information is extracted on April 01, 2024 and any submissions / uploaded post the cut-off date of April 01, 2024 is not considered
Number of records submitted by the CI during the year (B):
| SI. No. | Name of the CI | Number of records submitted by the CI during the year | Total number of complaints registered against the CI during the year | Complaints as percentage of total records submitted by the CI | Number of complaints unresolved within TAT by the CI as on reference date | Complaints unresolved within TAT as a percentage of total complaints registered against the CI |
|---|---|---|---|---|---|---|
| (A) | (B) | (C) | (D) | (E) | (F) | |
| [C as a % of B] | [E as a % of C] | |||||
| Total | 6,499,820,432 | 613,385 | 43,171 | |||
Complaints registered with CICs during the year ended March 31, 2023
Please Note:
Complaints registered with CICs:
- TAT (Turn Around Time) for resolution of complaints is 30 days as per Credit Information Companies Regulation Act, 2005.
-
For complaints pertaining to issues at CIC end:
- Most of these complaints pertain to Enquiry section (credit application history of loans & credit cards). These could be because some Consumers are unaware / do not recollect that such credit applications will add an enquiry in their CIR (Credit Information Report).
- Various consumer education initiatives are carried out which has enabled to reduce these types of complaints in FY 23-24.
Complaints registered with CICs during the year ended March 31, 2023
| Financial Year | Total number of complaints received by the Credit Information Company (CIC) | Complaints pertaining to issues at Credit Institutions (CIs) level | Complaints pertaining to issues at CIC end | ||
|---|---|---|---|---|---|
| A = B + D |
Total number of complaints received (B) |
number of complaints unresolved within TAT (C) |
Total number of complaints received (D) |
number of complaints unresolved within TAT (E) |
|
| 2022-23 | 5,541,001 | 450,056 | 37,653 | 5,090,945 | 15,571 |
Complaints registered against the CIs with CICs during the year ended March 31, 2023
Please Note:
- Certain CIs who had submitted data in the previous years may not have data submitted in the subsequent years either due to merger, amalgamation, or termination of Certificate of Registration (COR) by the Reserve Bank of India (RBI).
- The data contains the total number of records ingested into respective repository maintained by TU CIBIL for the reporting cycle month.
Number of records submitted by the CI during the year (B):
| SI. No. | Name of the CI | Number of records submitted by the CI during the year | Total number of complaints registered against the cI during the year | Complaints as percentage of total records submitted by the CI | Number of complaints unresolved within TAT by the CI as on reference date | Complaints unresolved within TAT as a percentage of total complaints registered against the CI |
|---|---|---|---|---|---|---|
| (B) | (A) | (C) | (D) | (E) | (F) | |
| [C as a % of B] | [E as a % of C] | |||||
| Total | 5,944,046,058 | 450,056 | 37653 | |||
Complaints registered with CICs during the year ended March 31, 2022
Please Note:
Complaints registered with CICs:
- TAT (Turn Around Time) for resolution of complaints is 30 days as per Credit Information Companies Regulation Act, 2005.
-
For complaints pertaining to issues at CIC end:
- Most of these complaints pertain to Enquiry section (credit application history of loans & credit cards). These could be because some Consumers are unaware / do not recollect that such credit applications will add an enquiry in their CIR (Credit Information Report).
- Various consumer education initiatives are carried out which has enabled to reduce these types of complaints in FY 23-24.
| Financial Year | Total number of complaints received by the Credit Information Company (CIC) | Complaints pertaining to issues at Credit Institutions (CIs) level | Complaints pertaining to issues at CIC end | ||
|---|---|---|---|---|---|
| A = B + D |
Total number of complaints received (B) |
number of complaints unresolved within TAT (C) |
Total number of complaints received (D) |
number of complaints unresolved within TAT (E) |
|
| 2021-22 | 3,265,009 | 278,504 | 40,709 | 2,986,505 | 178,424 |
Complaints registered against the CIs with CICs during the year ended March 31, 2022
Please Note:
- Certain CIs who had submitted data in the previous years may not have data submitted in the subsequent years either due to merger, amalgamation, or termination of Certificate of Registration (COR) by the Reserve Bank of India (RBI).
- The data contains the total number of records ingested into respective repository maintained by TU CIBIL for the reporting cycle month.
Number of records submitted by the CI during the year (B):
| SI. No. | Name of the CI | Number of records submitted by the CI during the year | Total number of complaints registered against the CI during the year | Complaints as percentage of total records submitted by the CI | Number of complaints unresolved within TAT by the CI as on reference date | Complaints unresolved within TAT as a percentage of total complaints registered against the CI |
|---|---|---|---|---|---|---|
| (A) | (B) | (C) | (D) | (E) | (F) | |
| [C as a % of B] | [E as a % of C] | |||||
| Total | 4,990,174,817 | 278,504 | 40,709 | |||