CIBIL Report Analyser Read your credit report the way a lender does.
Drop in your CIBIL report and get every loan and card on one screen — balance, overdue, EMI, any settled or written-off tag, and the month-by-month payment history a credit officer checks first. Then take the whole review to Excel.
What a credit officer looks for in your CIBIL report
The score on page one gets the attention, but nobody approves or rejects a loan on the score alone. The decision is made in the account section — one block for every loan and card you have ever had — and in the small grid of monthly entries under each one. That grid is hard to read on a phone and easy to misread on paper. This tool pulls it apart so you see your report the way it is read at the desk.
The three things that stop a file
- Settled or written-off. Either tag says a lender took less than it was owed. It stays on the account even after the balance shows zero, which is why the tool flags it on closed accounts too. Read settlement versus closure before you sign any settlement offer.
- Overdue today. A live overdue amount means an EMI or bill is unpaid right now. It is the first thing a lender asks you to clear.
- Days past due in recent months. A late month a year ago reads very differently from three in a row last quarter. The tool counts late months, the worst delay and the longest run of consecutive late months, and shows the last twelve months on their own.
Reading the payment history codes
Each month carries either a number or a code. A number is the days past due the lender reported — 000 means paid on time, 030 means thirty days late. STD means the account was classified standard. SMA is a special mention account, an early warning that payments are slipping. SUB, DBT and LSS — sub-standard, doubtful and loss — are the non-performing classes. XXX means the lender sent nothing for that month. The tool keeps codes and numbers apart, because a code is a classification, not a count of days.
Why the totals are kept separate
Settlement amounts and written-off amounts are two different facts, so they are never added into one loss figure. Where a report gives a written-off total and a principal, the difference is shown as non-principal — it can include charges, so it is not labelled interest. And an amount the report leaves blank is shown as not reported, because a blank is not a zero.
Before you rely on it
Check that the number of accounts matches your report's summary. If you see an account you do not recognise or a wrong status, raise a dispute with the bureau and the lender — our guide to reading your CIBIL report like a credit officer walks through each section, and how often lenders report explains when a correction will show.
Is my CIBIL report uploaded anywhere?
No. The file is read inside your browser. The PDF reader, the scan reader and the Excel writer are all served from this website itself, and none of them sends the report anywhere. Closing the tab clears it.
What does 000, STD, SMA, SUB, DBT, LSS and XXX mean in the payment history?
A number is the days past due the lender reported for that month — 000 means paid on time. STD means the account was classified standard. SMA is a special mention account, an early warning. SUB, DBT and LSS are sub-standard, doubtful and loss, the three non-performing asset classes. XXX means the lender did not report that month.
Why does the tool still flag a closed account that was settled?
Because a lender reading your report does. A settled or written-off status means the lender accepted less than was owed or wrote the loss off, and that remains on the account even after the balance shows zero. The tool keeps it visible so it is not missed.
Can it read a scanned or photographed CIBIL report?
Yes. When a PDF has no text layer, or when you upload a photo, the tool reads it with on-device text recognition. It is slower and can misread digits, so check amounts, dates and DPD against the original.