Inquiry Format Rules

Field Name

Length

Format

GDS Report Information

Reference Number 20 Alphanumeric
Inquiry Purpose 2 Alphanumeric
Transaction Amount(Rs) 15 Numeric
 

Consumer Name and Address

First Name 40 Alphanumeric
Middle Name 40 Alphanumeric
Last Name 40 Alphanumeric
Address 220 Alphanumeric
State 2 See State Abbreviations below
Postal Pin 6 Numeric
 

Consumer ID and Personal Information

DOB 10 Alphanumeric Date Format (DD/MM/YYYY)
Gender 1 See Gender Status codes below
Voter ID * 20 Alphanumeric
National ID Card (UIN) 20 Alphanumeric
Tax ID / PAN * 20 Alphanumeric
Passport ID * 20 Alphanumeric
Driver Licence 20 Alphanumeric
Phone (Home) ** 12 Digit Numeric
Phone (Mobile) ** 12 Digit Numeric
 
Fields in Red are mandatory and among the fields marked with *, atleast one Personal ID is mandatory. Among the fields marked with **, atleast one Phone Number is mandatory.
 

List of Codes/Abbreviations :


INQUIRY PURPOSE:

Retail Inquiry Purpose:

00 - Other
01 - Auto Loan
02 - Housing Loan
03 - Property Loan
04 - Loan against Shares/Securities
05 - Personal Loan
06 - Consumer Loan
07 - Gold Loan
08 - Education Loan
09 - Loan to Professional
10 - Credit Card
11 - Leasing
12 - Overdraft
13 - Two-wheeler Loan
14 - Non-Funded Credit Facility
15 - Loan against Bank Deposits
16 - Fleet Card
17 - Commercial Vehicle Loan
18 - Telco-Wireless
19 - Telco-Broadband
20 - Telco-Landline
3A - Auto Lease
21 - Seller Financing
22 - Seller Financing Soft Enquiry
23 - GECL Loan Secured
24 - GECL Loan UnSecured
25 - Loan on Credit Card
26 - Prime Minister Jaan Dhan Yojana-Overdraft
27 - Mudra Loans - Shishu/Kishor/Tarun
28 - Insurance
29 - Short Term Personal Loan[Unsecured]
30 - Priority sector-Gold Loan[Secured]
31 - Secured Credit Card
32 - Used Car Loan
33 - Construction Equipment Loan
34 - Tractor Loan
35 - Corporate Credit Card
36 - Kisan Credit Card
37 - Microfinance-Business Loan
38 - Microfinance-Personal Loan
39 - Microfinance-Housing Loan
40 - Microfinance-Others
44 - Pradhan Mantri Awas Yojana-Credit Link Subsidy Scheme MAY CLSS
1D - Business Loan-DIRECTOR SEARCH-Soft Enquiry-Score Unaffected
45 - P2P Personal Loan
46 - P2P Auto Loan
47 - P2P Education Loan
48 - Business Loan-Secured
49 - Business Loan-General
50 - Business Loan-Unsecured
51 - Temporary Overdraft[Unsecured]
52 - Business Loan-Priority Sector-Small Business
53 - Business Loan-Priority Sector-Agriculture
54 - Business Loan-Priority Sector-Others Loan
55 - Business Non-Funded Credit Facility-General
56 - Business Non-Funded Credit Facility-Priority Sector-Small Business
57 - Business Non-Funded Credit Facility-Priority Sector-Agriculture
58 - Business Non-Funded Credit Facility-Priority Sector-Other
59 - Business Loan Against Bank Deposits
60 - Working Capital Loan
61 - Agriculture Loan
62 - Commercial Equipment Loan
63 - Auto Overdraft
64 - Loan Against Card
90 - Dispute Resolution-CIR
 

Inquiry Purpose applicable for MFI:

0E - JLG Group
1E - JLG Individual
2E - Individual
3E - SHG Group
4E - SHG Individual
5E - SHG Group - Govt
6E - SHG Intra - Group
9E - Dispute Resolution - CIR

Commercial Inquiry Purpose:

0100 - Cash credit
0200 - Overdraft
0300 - Demand loan
0310 - Loan extended through credit cards
0410 - Medium term loan(period above 1 year and up to 3 years)
0420 - Long term loan (period above 3 years)
0500 - Packing credit (all export pre-shipment finance)
0610 - Export bills purchased
0620 - Export bills discounted
0630 - Export bills advanced against
0640 - Advances against export cash incentives and duty draw-back claims
0710 - Inland bills purchased
0720 - Inland bills discounted
0800 - Advances against import bills
0900 - Foreign currency cheques TCS/DDS/TTS/MTS purchased
1000 - Lease finance
1100 - Hire purchase
2000 - Bank guarantee
2100 - Deferred payment guarantee
3000 - Letters of credit
3100 - Corporate credit card
4000 - Commercial vehicle loan
4100 - Equipment financing (construction office medical)
5000 - Unsecured business loan
5100 - Short term loan (less than 1 year)
5200 - Aggregation of all fund based facilities
5300 - Aggregation of all non fund based facilities
5400 - Facilities interchange between fund & non fund based
5500 - Derivatives
5600 - Plain vanilla forex forward contracts
5700 - Plain vanila int rate swap(all including INR as coupon)
5800 - Plain vanila foreign currency option (including INR cross currency)
5900 - Complex int rate derv with optionalities
6000 - Any complex derivative loan involving foreign currency with option
6100 - Contracts on past performance – imports
6200 - Contracts on past performance – exports
9000 - Aggregate of all borrowings due to filing of suit
9001 - Auto Loan
9002 - Property Loan
9003 - Gold Loan
9004 - Loan Against Shares/Securities
9005 - HealthCare Finance
9006 - Infrastructure Finance
9007 - Factoring
9008 - Commercial Paper
9009 - NCD – Non Convertible Debentures
9010 - Unhedged Foreign Currency Exposure
9011 - Payment Account (Point of Sale & Payment Gateways)
9012 - Current Loan
9013 - ARC – Secured Loan (refer Annex. B for validations)
9014 - ARC – Unsecured Loan (refer Annex. B for validations)
9015 - Seller Financing Soft
9020 - Seller Financing
9021 - GECL Loan
9022 - Mudra Term Loan
9023 - Mudra Working Capital
9024 - Temporary Overdraft
9999 - Others
9100 - Dispute Resolution - CIR
 

Indian State:

Andaman & Nicobar Islands AN Andhra Pradesh AP Arunachal Pradesh AR
Assam AS Bihar BR Chandigarh CH
Chattisgarh CG Dadra & Nagar Haveli DN Daman & Diu DD
Delhi DL Goa GA Gujarat GJ
Haryana HR Himachal Pradesh HP Jammu & Kashmir JK
Jharkhand JH Karnataka KA Kerala KL
Lakshadweep LD Madhya Pradesh MP Maharashtra MH
Manipur MN Meghalaya ML Mizoram MZ
Nagaland NL Orissa OR Pondicherry PY
Punjab PB Rajasthan RJ Sikkim SK
Tamil Nadu TN Telangana TG Tripura TR
Uttar Pradesh UP Uttarakhand UK West Bengal WB
Ladakh LA
 

Gender Status:

1 - Female
2 - Male