ECIB / What is eCIB Report /How to Read CIB Report / What is Negative ECIB in Urdu Hindi



A Credit Information Bureau (CIB) is an organization that collects and collates credit data on borrowers from its member financial institutions. The financial data is then aggregated in system and the resulting information (in the form of credit reports) is made available online on request to contributing member financial institutions for the purpose of credit assessment, credit scoring and credit risk management. The major purpose of this database is to enable the Financial Institutions(FIs) to know the credit history of their prospective customers thus enabling them to make informed and timely lending decisions.

The Electronic Credit Information Bureau (eCIB) was established by State Bank of Pakistan (SBP) in December, 1992. The scope and activities of eCIB are governed under the provisions of Banking Companies Ordinance (BCO), 1962. The Section 25(A) vests powers with SBP to call for credit information in such manner as it may deem necessary and make such information available to any banking company, which is a member.
Two types of reports can be generated from eCIB system:

1.Consumer Credit Information Report

2.Corporate Credit Information Report

The role of Credit Information Bureau is integral to credit risk management and the promotion of a sound credit culture in financial system. The existence of well functioning credit bureau promotes prudence and professionalism among financial institutions, adoption of best business practices and making informed and responsible lending decisions in timely manners.
#ECIB #eCIBReport #E-CIB #CreditInformationReport #CIB #CIBReport
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Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational, or personal use tips the balance in the favor of fair use.

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31 Responses

  1. samran mobile expert says:

    Bhi dafaulfter ksa khtam ho jayaga

  2. Shehraz Ashraf says:

    Aoa.sir microfinnace bank sy lon liya tha 7 mmth late clear kiya.jo k feb 2021 m clear kr diya tha .abi b black listd a rha h.kya woe bank dobara ecib clear krwa skta?kidnly guid me plzz

  3. Tahir Hussain says:

    sir main ny microfinance Bank sy loan liya tha ab paid kr Diya hai bank Ka clearance mil Gaya hai.
    ecib main clear nhi howa Woh kitny din main clear hoga

  4. Hasnain Ali says:

    Sir may bahir Jana Chahta hoo Dubai mara name ecib may hay may bahir ja sakta hoo

  5. Shehzad Gujjar says:

    AoA sir mara name nya Pakistan housing apartments lda city ki first bolting mn successfull mn aya jo sirf government employees k lya thi then sir usi skeem k tht mara case ubl bank mn housing finance k lya gya sir bad luck wo ecib report data folt mn chle gi or mara case reject hogya sir mn instalment py to kr rha tha but mjhy ecib k rull ka pta ni tha jiski mn late payment mn instalment dayta rha sir i have my departmental statement more then twenty years I'm not defaultor but bank ka loan mn paid krdi jb sir case reject hwa tb outstanding mn sirf 3 instalment thi mgr phir b sir reject hogya sir plz koi rasta bta dain bht bra moqa tha mjhy ghr hasil krny ka sir saray arman toot rhy hn ecib to aik sal tk reflect krte ha or sall bad sir ya skeem ni hne plz koi reham ki apeal ya koi umeed ki kiran sir jis say mare ecib clear hojy or mara case proved hojy sir plz koi rasta ha to zroor help krna sir u r my last hope thank u Allah hafiz

  6. Rai M Imran says:

    Aslam o alkam sir ecib Kai sath check data Mai bhe aik Saal Kai bad name clear ho jata ha plz

  7. Moaz Ali says:

    Sir mera name a raha.kyu kay silk bank cerdit card ko clear kiya unho nay mujhy.mujhy silk bank walo nay mujhy setellment letter b diya mager may state bank may right off a rha ho is ko kasy clear karwo

  8. Abdul Rehman says:

    Aoa sr manny telenore Bank ka Loen clear kiya bank noc bi ha. Lakin status write off a rha ha. Credit card se esy ksy clear kr sakty han

  9. All Entertainment says:

    Sir mne 2018 mn salary loan lya tha 2019 mn mere salry 7 month stop ho gye thi ku ky mn contract par tha aur parmanet hoty 7 manth lg gye phir mere salry jb aye to bank HBL walo ne mera account hold py lgya howa tha uss ky bad mere paynmt 5 year mn jo clear hone thi kuch reayet dy kr sari loan amout clear kr li Feb 2021 mn ab mn parmant ho gya ho aur mere raport bhi bank ne kr di thi state bank ko ab mn house loan applie kr chta ho kia mujhy abhi aplie krna chye
    Please reply mn

  10. asim iftikhar says:

    Sir ma naa write off kurwa thaa loan.. Uss ko krwai 2 saal ho gai haa kya meri ecib clear hogai abb ya nai

  11. Wasi Dar says:

    Hello Sir, Will financial institution be given loan to those individual who's ecib show's zero balance ?

  12. Sherry sherry says:

    Sir agr bank ka employee notice period serve kry bghr resign krdy or jis dept me wo kam krha ho unky head employee ko boly k ap agr notice period ek month ka nh dngy bank ko to apko ek month ki salary deni hogi or agr salary nh di bank ko to apka naam ecib me dal dia jyga phr kahi apko job nh milygi … to kia aesa sch hai?

  13. mjawadhaider mjawadhaider says:

    How to download these images?

  14. ayan saqib says:

    Aoa sir … Meri 2005 main ak credit card aur loan ki pmnt pending ho gai thi.jo Abhi tak due hy ….
    Main kesy check kr Sakta hon k Meri ktni amount pending Hy ?
    Aur main isy kesy clear krwa Sakta ho .. thnx

  15. Muhammad Hamza says:

    How can I get my individual ecib report?

  16. Hamza Naveed says:

    Hi i know its been a month old video but I have a very important question please respond if you read my comment I have a very important question to ask

  17. Missarbani Missarbani says:

    G bikul mna scb bank ki traning ma iska bare pa parah haa good informatin sir

  18. Gul Muneer Dahri says:

    Sir mene ZTBL se loan liya tha wo mene repay krdia hy ab mene dobara NBP se loan ke lye apply kiya hy whan pe ecib mein aya hy ke mera previous loan 90+days tk over due mein aya hy ab esko kese thek krwaen ZTBL waly bolte hen ke hmari trf se koe error nh state bank se rabta kro, ab kia kren

  19. Abaid Aramex says:

    Aoa sir Micro finance banks ka bary main videoo please

  20. Malik Mazhar Iqbal says:

    Sir main pichle ak saal se apni instalment time pe de raha hon

  21. Malik Mazhar Iqbal says:

    Sir app ka koi prsnol no# hai tu plz de dain ap ka shukriya

  22. Malik Mazhar Iqbal says:

    Sir ecib kaise clear krwate hain one year aur four month ho gaye hain mera name ecib se remove nai howa

  23. Amjad Khan says:

    Aoa sir koch loan mera show horha he but pta ni kis bank ka he sir ye kasy pta chlay ga

  24. Domestic life says:

    Gd

  25. rizwan kahloon says:

    26 micro credit other , ecib report main 100 100 kai do loan show ho rhy hain ; confirm ni ho rha kai loan kha sy lia so kindly ye report clear kaisy ho gi

  26. Sheikh Adnan says:

    AOA, Sir if I have cleared my personal loan through write off this year January 2021. So when will be the ecib history cleared? Can we avail any banking product in future after 1 year? I have also got noc from bank.
    Thanks

  27. FTメSÂíFí says:

    Uts really informative video for me..
    Please also guide us for MFCIB report.

  28. Entertainment for all says:

    apni personal ECIB report kaise mil sakti hai ?

  29. Shaban Butt says:

    Agar Staff nay apnay bank say auto loan liyaa ho wo b show hota hai ya nai???

  30. Malik Abdullah says:

    Nice info

  31. Food Foodies says:

    Very informative.

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