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Credit Information Reports

Karja Suchana Kendra Limited issues both consumer (individual) and commercial (corporate) credit reports to its member banks and financial institutions. Every month we collect the thousands of updated borrowers profiles (consumer and corporate both) uploaded by our members in KSKL database. Data relating to the subject secured or unsecured loan performance is collated on their credit file to complement the assessment process of the credit grantors. KSKL offers immediate online access of the consumer and corporate credit reports to its members.

Karja Suchana Kendra’s report contains information pertaining to credit worthiness of the member’s clients which enables members to access the credit risk more objectively, minimize the risk of bad debts and increase market penetration and volume of credit extended.

The Consumer Credit Information Report contains the following information:

• borrower's name
• address
• individual identifications details (citizenship number, passport number, driving license etc),
• family details,
• concern details,
• details of credits (type of credit facilities, sanctioned amount, disbursed amount and date, loan number, account ownership, last payment dates, payment delay days, outstanding and overdue amounts, security types & settlements dates),
• previous enquiries
• blacklist information.

The Commercial Credit Information Report contains the information about the

• name of the firm/company,
• registered address,
• registration number, PAN number,
• details of the shareholders and their concern details.
• details about the types of credit facilities, sanctioned amount, disbursement amount and date, loan type, account ownership, last payment amount & date, payment delay days, outstanding and overdue amount, settlement date, account reporting date,
• previous enquiries
• blacklist information.

Tariff Structure

Credit Information Searches

Details	Off-line	On-line
No Transaction	Rs. 275	Rs. 250
Transaction	Rs. 600	Rs. 550

Note: Please be informed that unlike in legacy system, in SilverBlade system, Bank will be charged for the Credit Report even if it contains the credit profiles of its borrowers only.
 

Blacklist Searches

Details	Off-line	On-line
No Transaction	Rs. 250	Rs. 250
Transaction	Rs. 250	Rs. 250

Discounts (only for Online search)
 

Details
500 searches/month	20% Discount
300 searches/month	10% Discount

Other Charges:

Registration Charge

• NRs.1000.00

Annual Service Charge

• NRs.125,000.00 for Commercial Banks
• NRs.75,000.00 for Development Banks
• NRs.25,000.00 for Regional Development Banks
• NRs.25,000.00 for Financial Companies, Cooperatives & Others

Blacklisting/ De-listing Charge

• NRS.3000.00/Listing & De-listing of the borrower with loan/facility above 10 million
• NRs.2000.00/Listing & De-listing of the borrower with loan/facility below 10 million