In 2025, knowing your business’s credit health is as important as knowing your cash flow. If you’re running a business or MSME in India, you need to monitor your Company Credit Report (CCR) regularly to avoid loan rejections, high interest, or funding delays.

A CCR, or Company Credit Report, contains your MSME’s entire credit history — including loan repayment behavior, overdue accounts, credit utilization, and more. It’s the foundation of your CIBIL MSME Rank (CMR), which lenders use to approve or reject business loans.

This blog gives you a step-by-step guide to checking your Company CCR Report online, along with official links to all four major credit bureaus in India.

What Is a Company Credit Report (CCR)?

A Company Credit Report is a detailed financial profile of your business, prepared by credit bureaus like CIBIL, CRIF High Mark, Experian, and Equifax.

It includes:

• Business loan history

• OD/CC account usage

• DPDs (Days Past Due)

• Credit inquiries

• Loan settlements or defaults

• PAN and registration details

🔗 Official definition by CIBIL – Company Credit Report

Based on this report, a CIBIL MSME Rank (CMR) from 1 to 10 is assigned. CMR-1 is excellent; CMR-10 is poor.

Why Checking Your CCR Online Is Important in 2025

✅ Prevent Loan Rejection

Banks and NBFCs check your CCR before approving any business loan or overdraft. If you have:

• Overdues

• Settlements

• High credit usage
  …you may be rejected, even without knowing it.

✅ Know Your CMR Rank

The CCR gives you your CIBIL MSME Rank, which is mandatory for most loans above ₹10 lakh.

✅ Catch Errors and Fix Early

Many businesses find wrong entries, duplicate accounts, or delayed payment data in their report. You can’t fix what you don’t see.

✅ Improve Creditworthiness

Once you know your weak areas (e.g. DPDs, credit utilization), you can take targeted action to improve your CMR Rank.

🔗 Read: Step-by-Step Guide to Improve CIBIL Rank in 90 Days

🖥️ How to Check Your Company’s CCR Online – Step-by-Step

📌 Step 1: Choose Your Credit Bureau

There are 4 major bureaus in India that offer Company Credit Reports:

📌 Step 2: Register with the Bureau’s Portal

Let’s walk through the most popular option — CIBIL CCR.

🔹 How to Check CCR from CIBIL:

1. Visit https://www.cibil.com/company-credit-report

2. Click “Get Your Company Credit Report”

3. Fill in:

   • Company name

   • PAN

   • Registration type (Proprietorship/LLP/Pvt Ltd)

   • Contact details

4. Upload company documents (PAN, GST, business registration proof)

5. Pay the fee (₹3,000 approx. as of 2025)

6. Receive your CCR and CIBIL MSME Rank (CMR) in your email within 24–48 hours

📌 Step 3: Review the Report Carefully

Look for:

• DPDs (Days Past Due)

• Overdue accounts

• Loan accounts marked as “settled” or “written-off”

• Credit utilization ratio

• Open/closed loan history

• PAN and promoter details

• Number of lender inquiries

If you notice any mistakes, you can file a dispute (explained below).

📌 Step 4: Download and Save It

Always save the PDF version of your CCR. You’ll need it for:

• Loan applications

• Rank improvement consultation

• CreditCares assessment

🔁 How Often Should You Check Your CCR?

We recommend:

• Every 3 months if you’re actively seeking loans

• Every 6 months as a preventive check

• Immediately after loan repayment, settlement, or account closure

🛠️ How to Fix Errors in CCR (If Any)

Mistakes in your CCR can directly harm your CIBIL Rank.

Here’s how to fix them:

🛠️ Step 1: Identify Errors

Common errors include:

• DPD marked incorrectly

• Closed loan still shown as active

• Loan showing “settled” instead of “closed”

• Wrong promoter PAN or company name

• Old loan not removed

🛠️ Step 2: Raise a Dispute on CIBIL

Use the CIBIL Dispute Portal to raise correction requests:

1. Go to the portal

2. Enter your Company Name and Transaction ID

3. Select the field with an error

4. Submit explanation and supporting document

5. Track status on the portal

CIBIL usually resolves disputes in 15–30 working days.

🔗 Read: How Credit Bureau Disputes Work – Investopedia

⚠️ What Happens If You Don’t Check Your CCR?

• Loan rejections without clear reason

• High interest rates due to low CMR

• Delays in loan disbursal

• Loss of government-linked credit schemes (like CGTMSE)

• Damage to your MSME’s credit profile for 3–7 years

🧠 FAQs: Checking CCR Online

1. What is the cost to get my Company Credit Report?

Most bureaus charge between ₹2,000 to ₹3,500 for a detailed CCR (including CMR Rank from CIBIL).

2. Is CMR Rank available from all bureaus?

No. Only CIBIL provides CMR Rank as part of the CCR.

3. Can I get my CCR for free?

Currently, there’s no free version for CCR. You must pay to access your full business credit report.

4. How long does it take to receive the CCR?

After payment and document submission, it usually takes 24–48 hours to receive your report via email.

5. Can CreditCares help me understand or improve my CCR?

Yes — we offer a full CCR diagnosis, error fixing, and CMR Rank improvement plan.