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Cibil score

Vignesh (B.Com CA FINAL & CMA FINAL)   (193 Points)

13 May 2016  


          I have a doubt regarding the following question.

Will the savings bank account, having negative balance, due to bank charges for not maintaining the minimum balance, affect the CIBIL score, in getting loans??

     As per the RBI guidelines, bank are not supposed to keep the negative balance in account solely due to charging for non maintenance of minimum balance. How to solve this issue??

Kindly advise me...

Thanks in advance.


 1 Replies

vinuth h s (Start Up - CA) (30 Points)
Replied 15 May 2016

Dear Vignesh,

Please refer the below link which might help you.


Ideally bank should not report to CIBIL. But if they are willing to withdraw based on mutual consent it will get resolved but if they dont it would require time and energy to get it right.


Vinuth H S


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