Access your Credit Information Report (CIR) directly from CIBIL

You can now access your Credit Information Report (CIR) directly from CIBIL. As you may be aware, your CIBIL CIR is a factual record of your credit payment history compiled from information received from credit grantors. The purpose is to help credit grantors make informed lending decisions - quickly and objectively, and enable faster processing of your credit applications to help provide you speedier access to credit at better terms.

You can request for a copy of your CIBIL CIR in three quick steps through Email, Mail, Telephone or Fax:

Email: myreport@cibil.com
1. Email the CIR Request Form duly filled in
2. Mail self attested hard copies of your latest Identity Proof1 and Address Proof2 documents and Fees3 to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and copy of your CIR will be dispatched to you.

Letter: Address*
1. Write to CIBIL with the CIR Request Form duly filled in
2. Also mail self attested hardcopies of your Identity Proof1 and latest Address Proof2 documents and Fees3 to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and copy of your CIR will be dispatched to you.

Telephone: 022-61404300
1. Fax CIBIL the CIR Request Form duly filled in
2. Mail duly filled in CIR request form and self attested hardcopies of your Identity Proof1 and latest Address Proof2 documents and Fees3 to P.O. BOX 17, Millennium Business Park, Navi Mumbai - 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and a copy of your CIR will be dispatched to you.

Fax: 022-40789007
1. Fax CIBIL the CIR Request Form duly filled in
2. Mail self attested hardcopies of your Identity Proof1 and latest Address Proof2 documents and Fees3 to P.O.Box 17, Millennium Business Park, Navi Mumbai 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and a copy of your CIR will be dispatched to you.

1. Valid Identity Proof: PAN Card/ Passport/ Voters ID (Mail self attested hard copy of any one of these Identity Proofs)

2. Valid Address Proof: Bank Account Statement/ Electricity Bill/ Telephone bill (Mail self attested hard copy of any one of these Address Proofs)

3. Payment terms: Demand Draft (DD) of Rs 142/- (inclusive of all taxes and express delivery charge) , in favour of Credit Information Bureau (India) Limited payable at Mumbai
Please note that the fee once paid is non-refundable.

To download form click here...

CIBIL has no authorised agents. Please do not contact anyone other than CIBIL in order to gain access to a copy of your Credit Information Report.

Your CIBIL CIR will be presented to you in a simple and easy to understand format. However, on receiving your CIBIL CIR, if you require any explanation/clarification, you can email us at consumerqueries@cibil.com or call us on 022-61404300.

CIBIL is always at your service to assist you.

* Credit Information Bureau (India) Limited
P.O Box 17,
Millennium Business Park,
Navi Mumbai- 400710

Amber Fort Son-et- lumière Jaipur

Amber Fort & Palace Complex, in Jaipur, holds the history of a citadel, pulsating with a legendry past of 600 years & 28 kings of the Kachhwaha dynasty, before their capital moved to Jaipur. Through their unique diplomacy of strategic alliances & their valor & strength, the rulers not only established a long dynasty but, in time, also played a part in changing the destiny of Medieval India. A new son-et-lumière has been launched at Amber Fort, Jaipur. Through this Son-et- lumière spectacle, an attempt has been made to revive the pride of Amber, bring forth the traditions that coloured the lives of its people, the pomp that once existed in its fullest form and to end the silence that had long fallen. The spirit of Amber is eternal. This musical extravaganza has highlighted the local legends, folklore, and a connoisseur of folk music that continues to give Rajasthan its unique identity. The show has been set in a very exotic location, with the giant panoramic view of the Amber Fort & Palace Complex in the front, the rising Jaigarh on the left, the hills at the back and the gallery itself in the Kesar Kiyari Complex of Maota lake. Show is run on daily basis at 6:30 pm (Hindi) and would be available in English & other foreign languages in Oct-Nov 2008.

Script Mr. Gulzar Lead Voice Mr. Amitabh Bachchan Project Director Mr. Mukesh Bhargava Music Mr. Bhavdeep Jaipurwale Lead Singers Ustad Sultan Khan, Ms. Shubha Mudgal Lighting Design & Direction Mr. Manav Bhargava (M/s Mandala) Show Programming Mr. Veenu Pasricha Logistics & Design M/s Mandala Conceived & mounted on PPP basis M/s Integrated Digital Solutions Private Limited, in partnership with AmberDevelopment & Management Authority Operations & Maintenance M/s Integrated Digital Solutions Private Limited

ATM Trasactions Not free from 15-10-2009

Mumbai: The Indian Banks' Association (IBA), an industry lobby, has asked its members to impose a Rs10,000 cap per third party cash withdrawal from automated teller machines, or ATMs, beginning 15 October. Such withdrawals will also be capped at five a month. The IBA has sent a circular to its 150 members directing them to implement the decisions from mid-October, a person familiar with the development said.

Earlier this month, the Reserve Bank of India (RBI) had imposed a Rs10,000 cap per withdrawal from ATMs not owned by the bank in which the customer has an account, besides limiting such transactions to five in a month. The apex bank had sent a communication in this regard to Indian Banks' Association (IBA).

IBA had submitted its recommendations to the central bank last month citing the financial burden faced by banks on account of huge number of third party usage and small-ticket withdrawals.

Beginning 1 April, RBI had declared third party ATM usage, including cash withdrawals and account enquiries, free for all customers and had said that banks can charge Rs18-Rs20 per month from other banks in case of third party ATM transaction.

You can withdraw only 5 times in a month from any other bank's ATM, after there would be a charge of Rs 20 per cash withdrawal

Source: PTI, August 28, 2009

COFFEE TALK- ENJOY COFFEE NOT CUP

Coffee talk - A group of alumni, highly established in their careers, got together to visit their old university professor. The conversation soon turned into the complains about stress in work and life... Offering his guests coffee, the professor went to the kitchen and returned with a large pot of coffee and an assortment of cups-porcelains, plastic, glass. Crystal, some plain looking, some expensive some exquisite telling them to help themselves to hot coffee

When all the students had a cup of coffee in hand, the professor said, If you noticed, all the nice looking expensive cups were taken up, leaving behind the plain and cheap ones. It is but normal for you to want only the best for yourselves, that is the source of your problems and stress.

What all of you really wanted was coffee, not the cup, but you consciously went for the best cups and where eyeing each other's cups.

"Now if life is coffee, and jobs, money and position in society are the cups. They are just tools to hold life, but the quality of life doesn't change. Sometimes, by concentrating only on the cup, we fail to enjoy the coffee in it. So don't let the cups drive you... enjoy the coffee instead

A Manager | A Engineer | A Joke

A man is flying in a hot air balloon and realizes he is lost. He reduces height and spots a man down below. He lowers the balloon further and shouts: "Excuse me, can you help me? I promised my friend I would meet him half an hour ago, but I don't know where I am."

The man below says: "Yes. You are in a hot air balloon, hovering approximately 30 feet above this field. You are between 40 and 42 degrees N. latitude, and between 58 and 60 degrees W. longitude."

"You must be an engineer," says the balloonist.

"I am," replies the man. "How did you know."

"Well," says the balloonist, "everything you have told me is technically correct, but I have no idea what to make of your information, and the fact is I am still lost."

The man below says "You must be a manager."

"I am," replies the balloonist, "but how did you know?"

"Well," says the man, "you don't know where you are, or where you are going. You have made a promise which you have no idea how to keep, and you expect me to solve your problem. The fact is you are in the exact same position you were in before we met, but now it is somehow my fault."