If you’re running a Private Limited Company or LLP and planning to raise funds, apply for tenders, or build business credit in 2025, getting your CIBIL MSME Rank (CMR) and Company Credit Report (CCR) is essential.
CIBIL Rank and CCR are now mandatory checkpoints for loan approvals from banks and NBFCs. They offer a detailed view of your business’s creditworthiness, and without them, even profitable businesses may get rejected for funding.
In this guide, you’ll learn exactly how to apply for a CIBIL Rank / CCR online in India, the eligibility requirements, documents needed, and key mistakes to avoid.
What Is CIBIL MSME Rank (CMR)?
CIBIL MSME Rank (CMR) is a numeric rating ranging from 1 to 10, issued by TransUnion CIBIL. It reflects your business’s credit risk based on your past and present loan behavior.
A good CMR (between 1 to 4) increases your:
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Business loan approval chances
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Credit limits and overdraft approvals
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Interest rate negotiations
CMR is generated from your Company Credit Report (CCR), which includes your repayment history, active loans, overdue records, and loan inquiries.
Who Needs to Apply for CIBIL Rank?
You need to apply for CMR / CCR if your business is:
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A Private Limited Company
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A Limited Liability Partnership (LLP)
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A Partnership Firm or Sole Proprietorship with GST & PAN
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Planning to apply for business loans, working capital, tenders, or government schemes
Without an active CCR, your business will reflect a CMR-NA (No Rank), which is a red flag for lenders.
Documents Required to Apply for CCR / CIBIL Rank
To apply for your CIBIL MSME Rank and Company Credit Report, you’ll need:
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PAN of the company or LLP
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GSTIN (if registered)
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CIN (for Pvt Ltd) or LLPIN (for LLPs)
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Company address proof
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List of directors/partners with KYC
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Authorization letter signed by an authorized signatory
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Last 12-month bank statements (for verification)
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Existing loan account numbers (if any)
The documents should match what banks and bureaus already have. Any mismatch can lead to errors in your report.
How to Apply for CIBIL Rank and CCR Online (Step-by-Step)
Here’s the direct and official way to apply:
Step 1: Visit the CIBIL Business Website
Go to https://www.cibil.com/company-credit-report
This is the dedicated section for business entities.
Step 2: Choose the Appropriate Product
Click on “Buy Your Company Credit Report + CIBIL Rank” option.
If your business is new, this will also initiate the CMR registration process.
Step 3: Fill in Your Company Details
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Enter your company PAN
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Mention registered company name (as per MCA)
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Select company type (Private Limited, LLP, Partnership)
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Add company address and email ID for delivery
Make sure the information is accurate to avoid delays.
Step 4: Upload Required Documents
Upload:
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PAN
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CIN or LLPIN
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Director/Partner KYC
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Authorization letter (format available on the portal)
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Other supporting documents
If you’re unsure, check the CIBIL document checklist here.
Step 5: Make Payment
The CCR + CIBIL Rank combo report costs ₹3,000 + GST (₹3,540 total) as of July 2025.
Payment can be done through:
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Net banking
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UPI
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Credit/Debit card
Step 6: Verification and Delivery
After submission, CIBIL verifies your request in 2–3 business days. You’ll get the report on your registered email ID if everything matches correctly.
If the verification fails, you’ll receive an email to re-upload or fix issues.
Where Else Can You Apply for CCR in India?
Apart from CIBIL, you can also apply for CCR reports from other RBI-approved credit bureaus:
Note: CMR Rank is only offered by TransUnion CIBIL. Other bureaus offer similar credit summaries, but without a standardized rank.
Why Your Company Needs CMR in 2025
Most lenders, including SBI, ICICI, Axis, Kotak, and major NBFCs, use CMR Rank to:
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Assess loan risk digitally
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Set credit limits
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Decide interest rates
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Enable pre-approved offers
Without CMR Rank:
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Your loan may get delayed or auto-rejected
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You’ll be forced to submit collateral
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NBFCs may charge high interest due to lack of score
A valid CMR also helps with:
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Vendor confidence
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Tender eligibility
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Government subsidy approvals under CGTMSE or ECLGS
Common Mistakes to Avoid While Applying
1. Wrong PAN or CIN entry: Your application will be rejected if these don’t match MCA or bank records.
2. Using personal email or mobile number: Use your official company email linked to your MCA or GST profile.
3. Not authorizing correctly: Without an authorization letter from a director/partner, the report will be on hold.
4. Uploading unclear documents: All files should be in PDF format, readable, and signed where necessary.
What Happens After You Apply?
Once you receive the report:
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Check your CMR Rank (1 is best, 10 is worst, NA means no rank yet)
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Review your DPDs, Overdues, Loan Status, and Inquiry History
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Share it with your loan consultant or DSA for funding proposals
If your CMR Rank is poor or missing, work on improving it before reapplying for loans.
How to Improve CMR Rank If It’s Low
If your rank is CMR-6 or higher, consider these steps to improve it:
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Pay off any overdues immediately
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Avoid applying to multiple lenders at once
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Keep OD/CC usage under 50%
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Regularize EMI payments for the next 3–6 months
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Dispute wrong entries through CIBIL Dispute Resolution
Even one or two months of discipline can shift your CMR Rank into the approval zone.
FAQs on Applying for CIBIL Rank as a Pvt Ltd or LLP
Is CMR Rank available for LLPs in India?
Yes. Both Pvt Ltd companies and LLPs are eligible to apply through the CIBIL Business portal.
How long does it take to get the CIBIL Rank?
2 to 5 working days after submitting valid documents and payment.
Can I get a CCR without any previous loans?
Yes. But your CMR Rank will be marked as NA (no activity). Start building credit to generate a rank.
How often should I pull my Company Credit Report?
Every 3–6 months or before any major loan or tender application.
What if I see wrong data in my CCR?
You can raise a dispute directly on the CIBIL portal under the Dispute Resolution section.
Apply with Confidence — Or Let CreditCares Help You
At CreditCares, we guide you through every step:
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We file your CCR + CMR Rank application
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Help you prepare documents correctly
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Raise disputes and corrections if needed
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And once your report is ready—we help match you with the right bank or NBFC
📞 Call: 9830038870
📩 Email: creditcaresindia@gmail.com
🧾 Or Apply with CreditCares Support
Applying for CMR is not just a formality—it’s a foundation for your business’s financial future. Get it done right.
