Microfinance Data File Format

Version 2.0
November 2023

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 Microfinance Data File Format

Revision History

Version Month of Change Change Description

1.0 June 2014 Initial release
1.8 March 2021 New status added S08 - Restructured due to COVID-19
1.9 May 2022 Inclusion of CKYC in Other ID 1

Changes in field characteristics of

• Total Monthly Family Income
• Number of installments
• Repayment Frequency
• Minimum Amt Due/Installment Amount

Inclusion of additional account status –

• S09 - Restructured & Closed;
• S10 - Settled;
• S11 - Post Write Off Settled;
• S12 - Post Write Off Closed

2.0 November 2023 Change the nomenclature of the field ‘dummy’ to ‘Email ID’

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 Microfinance Data File Format

Data Submission File Format- Overview

This document provides description about reporting member/ consumer information to CRIF Highmark
Credit Information Services. The Data Input File Format is made of segments that contain specific types of
information. For example, the Member Segment (CNSCRD) contains personal information about a member,
while the Account Segment (ACTCRD) contains the credit information etc.

This format should be used to input data on all accounts in the names of individuals only, and not for those
accounts that are in the names of non-individuals. All borrowings in the names of the individuals, regardless
of the purpose, should be included in this format.

CRIF Highmark Input File Format

Key Requirements

The CRIF Highmark Input File Format was developed as a standard for the credit reporting
industry and accomplishes the following:
• Provides one standard computer layout to be used for reporting accurate, complete, and timely
microfinance credit information.
• Meets all requirements of the Credit Information Companies Regulation Act (CICRA).
• Allows for reporting information at both the account and member levels.
• Allows for reporting the full four-digit year.

The CRIF Highmark Input File Format was designed to allow reporting of the most accurate and complete
information on individual's credit history. It is imperative that all accounts are reported monthly and wherever
possible at weekly and daily frequency.
For data furnishers or processors who report data by cycles, all accounts should be reported at the close
of each cycle.

All fields should be reported to comply with the CICRA, which specifies the reporting of complete and
accurate information.

The CICRA places significant responsibility on both the data furnishers and Consumer Reporting Agencies

Segments in Data Input File Format

The following table describes the different segments that make up the Data Input File Format

Parent
Sr No Segment Segment Tag Segment Type Occurrences
Segment
1 Header HDR Required Occurs once for a file
Member Occurs multiple times, as many accounts in the
2 CNSCRD Required
Segment Portfolio
Address
3 ADRCRD Required One or more for every Consumer
Segment
Account
4 ACTCRD Required One or more for every Consumer
Segment
5 Trailer TRL Required Occurs once for a file

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Segment Descriptions:

Header Segment
The Header Record is the first segment of a data submission file. One Header segment is reported for each file
and it is reported at the start of the File. It contains information necessary to identify the MFI, Data furnisher,
Software used to generate HMCIF file, Vendor name and the Reporting date.

Member Segment
The Member Segment is the second segment in the data submission file. It contains the information
necessary to identify the member like name, date of birth, the branch of MFI where the member has taken the
loan, the identification numbers like Voters ID, Driving License, PAN and so on.

Address Segment
The Address Segment is the third segment in the data submission file. It contains the information necessary to
identify
the member address. It contains both permanent address and current address for a member along with state
code and PIN code.

Account Segment
The Account Segment is the fourth segment within the data submission file. It contains the financial information
related to account/product subscribed by a member. It contains member's account identification, type of
credit product, original and current terms, and repayment information. Account segment forms the parent
segment for all data segments reported for an account within a member ‘s business portfolio.

Trailer Segment
The Trailer Record is the last segment of the credit reporting file. It includes statistics around all
records, all segments, and other information. This information is used to verify that all records received
have been processed.

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 Microfinance Data File Format

Field-level Descriptions

Header Segment (HDR)

The HDR Segment marks the beginning of the Data Input File Format an
• Is a required segment.
• Occurs only once per file.
• All the fields must be provided; otherwise, the entire data input file is rejected

Field Name Field Character Fixed Description

Type Type Length

Segment Identifier Required AN 3 Must contain the value "HDR" to identify the Header Segment.
Name of the Submission File Required AN 5 Must contain the value "HMMFI" which indicates CRIF Highmark
Microfinance Input File.

Layout Version Number Required AN 3 Indicates CRIF Highmark Input file format version number.
Contains the value "1.9"
Submitting MFI ID Required AN 10 Must contain the unique member ID assigned by CRIF Highmark to
the MFI.
Submitting MFI Name Required AN 30 Must contain the name of MFI submitting the file to CRIF Highmark.
Submitting Branch ID Required AN 10 Must contain the unique Branch ID assigned by CRIF Highmark to
when the MFI Branch for a decentralized data submission.
present
Reported Date Required D 8 Must contain the date "as of which" the data is being reported to
CRIF Highmark. If records in the file are updated on different dates,
use the most recent date.

File Creation Date/ Required D 8 This field must contain the date the 'media' was generated.
Extraction Date This date must be equal to or later than date in the Date
Reported Field.

For example, Date Reported is August 31, 2007. If the file was
extracted on media on September 7, 2007, and submitted to CRIF
Highmark on September 8, 2007, then the value that must be
reported in this field is September 7, 2007, i.e., 07092007.
This date must be equal to or later than date in the Date Reported
Field.
Organization Member Required AN 3 Contains the organization's member structure.
Structure Indicator Enumerated:
S01 - Member based structure.
S02 - Account based structure
Password Required AN 30 Must contain the encrypted password assigned by CRIF Highmark
to the MFI
System Vendor Required AN 30 A unique identifier agreed upon by the parties to the transaction to
Identifier identify the vendor to furnish the data. In case of Vendor system
being used.
For In-house developed system report "INHOUSE"
Vendor System Required AN 10 Specifies the version of the system used to furnish the data in
Version Identifier case of Vendor system being used.
For In-house developed system report "INHOUSE" is used
Reserved for future Use AN 20 Reserved for future Use

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Member Segment (CNSCRD)

The Member Segment is the second segment of the Data Input File Format and:
• Is a required segment.
• Occurs only once per file.
• All the fields must be provided; otherwise, the entire data input file is rejected.

Field Character Required/Required

Field Name Length Field Description
No. Type when present
Required Must contain the value "CNSCRD" to
1 identify the Member Segment.
Segment Identifier A/N 6
This is the unique customer identification
Required
2 Member Identifier A/N 35 number used by the MFI
This is the unique branch code of the MFI
Required
3 Branch Identifier A/N 30 where the member was originally enrolled.
This is the unique centre code of the MFI
Required
4 Kendra/Centre Identifier A/N 30 where the member was originally enrolled.
This is the unique group code of the MFI
where the member was originally enrolled.
Required when
5 Group Identifier A/N 20 present
This is required if Loan Category is T01 or
T02 or T04

6 Member Name 1 A/N 100 Required Name of the member

Required when present
7 Member Name 2 A/N 50
Required when present
8 Member Name 3 A/N 50
If any alias or maiden name of the
9 Alternate Name of Member A/N 30 Required when present
member is captured.
10 Member Birth Date D (DDMMCCYY) 8 Required Date of birth
If instead of DOB, age is captured then the
Required
11 Member Age N 3 age as captured at the time of membership.
The date of membership - to identify the
current age

Provide either of the below:

12 Member's age as on date D (DDMMCCYY) 8 Required 1. Date on which Member Age (field 11) is
calculated by lender
2. Date on KYC document from which
Member Age (field 11) is calculated by
lender
Enumerated:
F - Female
13 Member Gender Type A/N 1 Required
M – Male
T - Third/Transgender
Enumerated:
M01 - Married
M02 - Separated
M03- Divorced
14 Marital Status Type A/N 3 Required
M04 - Widowed
M05 - Unmarried
M06 - Untagged
Could be left blank if not available
15 Key Person's name A/N 100 Required Guardian's name
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
16 Key Person's relationship A/N 3 Required K06-Wife
K07-Brother
K08-Mother-In-law
K09-Father-In-law
K10-Daugther-In-law
K11-Sister-In-law
K12-Son-In-law

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K13-Brother-In-law
K15 -Other

Relative name
Member relationship
17 A/N 100 Required
Name 1
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
K06-Wife
K07-Brother
18 Member relationship Type 1 A/N 3 Required K08-Mother-In-law
K09-Father-In-law
K10-Daugther-In-law
K11-Sister-In-law
K12-Son-In-law
K13-Brother-In-law
K15 -Other

Required
19 Member relationship Name 2 A/N 100
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
K06-Wife
K07-Brother
20 Member relationship Type 2 A/N 3 Required K08-Mother-In-law
K09-Father-In-law
K10-Daugther-In-law
K11-Sister-In-law
K12-Son-In-law
K13-Brother-In-law
K15 -Other

Required
21 Member relationship Name 3 A/N 100
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
K06-Wife
K07-Brother
22 Member relationship Type 3 A/N 3 Required K08-Mother-In-law
K09-Father-In-law
K10-Daugther-In-law
K11-Sister-In-law
K12-Son-In-law
K13-Brother-In-law
K15 -Other

Required
23 Member relationship Name 4 A/N 100
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
24 Member relationship Type 4 A/N 3 Required
K06-Wife
K07-Brother
K08-Mother-In-law
K09-Father-In-law
K10-Daugther-In-law
K11-Sister-In-law

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K12-Son-In-law
K13-Brother-In-law
K15 -Other

25 Nominee Name A/N 100 Required Nominee for insurance purposes if defined
Enumerated:
K01 - Father
K02 - Husband
K03- Mother
K04 -Son
K05 -Daughter
Required K06-Wife
26 Nominee relationship A/N 3 K07-Brother
K08-Mother-In-law
K09-Father-In-law
K10-Daugther-In-law
K11-Sister-In-law
K12-Son-In-law
K13-Brother-In-law
K15 -Other
Required
27 Nominee Age N 3
Required when present
28 Voter's ID A/N 20
Required when present
29 UID A/N 40
Required when present
30 PAN A/N 15
Required when present
31 Ration Card A/N 20
Member Other ID 1 Type “CKYC” to be reported if value of CKYC is
32 A/N 20 Required when present
description available
Required when present
33 Member Other ID 1 A/N 30 CKYC value to be reported
Provide type of ID provided if ID is other
Member Other ID 2 Type Required when present
34 A/N 20 than Voter ID, UID, PAN or Ration Card
description
Required when present
35 Member Other ID 2 A/N 30
Provide type of ID provided if ID is other
Member Other ID 3 Type Required when present
36 A/N 20 than Voter ID, UID, PAN or Ration Card
description
Required when present
37 Member Other ID 3 A/N 30
Enumeration:
P01-Residence
P02-Company
Telephone Number 1 type Required when present P03- Mobile
38 A/N 3
Indicator P04-Permanent
P07-Other
P08-Un tagged
Required when present If landline, affix STD Code
39 Member Telephone Number 1 A/N 15
Enumeration:
P01-Residence
P02-Company
Telephone Number 2 type Required when present P03- Mobile
40 A/N 3
Indicator P04-Permanent
P07-Other
P08-Un tagged
If landline, affix STD Code
41 Member Telephone Number 2 A/N 15 Required when present
If the MFI is capturing any poverty related
details such as BPL, etc. then the same to
Required when present
42 Poverty Index N 20 be provided
here.
Enumeration:
Required when present Y- Yes
43 Asset ownership indicator A/N 1
N- No

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Required when present
44 Number of Dependents N 2
Required when Provide bank in which borrower is
45
Bank Account - Bank Name A/N 50 present maintaining Savings Bank A/C
Provide branch name in which
Required when
46 Bank Account - Branch Name A/N 50 borrower is maintaining Savings Bank
present
A/C
Bank Account - Account Required when
47 A/N 35 Provide Savings Bank A/C number
Number present
Required when
48 Occupation A/N 50 Occupation
present
Required for all new disbursals from 1st Apr
22. Is required when present for any
disbursals before 1st Apr 22.
Required Conditionally
49 Total Monthly Family Income N 9 Data gets rejected for new disbursals from
1st Apr 22. If it has blank / zero value in this
field.

Required
50 Monthly Family Expenses N 9
Enumeration:
R01 - Hindu
R02 – Muslim
R03 - Christian
R04 - Sikh
51 Member's Religion A/N 3 Required when present
R05 - Buddhist
R06 - Jain
R07 - Bahai
R08 - Others
R09 - Religion not stated
Required when present
52 Member's Caste A/N 30
Enumeration:
Y- Yes
53 Group Leader indicator A/N 1 Required when present
N- No
U- Untagged
Enumeration:
Y- Yes
54 Center Leader indicator A/N 1 Required when present
N- No
U- Untagged
55 Email ID A/N 70 When available

Address Segment (ADRCRD)

The ADRCRD Segment is the third segment of the Data Input File Format.:
• Is a Required segment.
• Occurs only once per record.

Field Character Required/Required

Field Name Length Field Description
No. Type when present
Must contain the value "ADRCRD" to
56 Required identify the Address Segment.
Segment Identifier A/N 6

House No, Street Name, Locality Name, City

57 Member's Permanent Address A/N 200 Required
/ Village

58 State Code (Permanent N 2 Required Must be a code as defined in Appendix A

59 Address)
Pin Code (Permanent Address) N 10 Required Provide complete 6-digit PIN Code
Current address - if not residing in
permanent address. If only 1 address is
60 Required available to provide the same as current
Member's Current Address A/N 200
address. House No, Street Name, Locality
Name, City / Village

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61 State Code (Current Address) N 2 Required Must be a code as defined in Appendix A
62 Pin Code (Current Address) N 10 Required Provide complete 6-digit PIN Code
Required when Reserved for future use.
63 Dummy A/N 30 present No input required

Account Segment (ACTCRD)

The ACTRD Segment contains the credit information of the consumer and:
• Is a required segment.
• Occurs only once per record.

Required/Required
Field No. Field Name Character Type Length Field Description
when present
Must contain the value "ACTCRD" to identify
Required the Account Segment.
64 Segment Identifier A/N 6

This field will not change even if the Account

number in MFI system changes.

This field must be consistent across each

submission to avoid duplication of
information.
65 Required
Unique Account Reference Account number of the loan account.
A/N 35
number
In case of a branch split or branch join where
the account number changes within the tenor
of the loan, the original loan account number
should be shown here.

Account number of the loan account as is

66 present currently in the MFI system. Will be
Account Number A/N 35 Required
same as previous field if no split or branch
combination has happened
during the tenor of the loan.
This is the unique branch code of the MFI
67 Branch Identifier A/N 30 Required
where the loan account is held currently.

This is the unique centre code of the MFI

68 Kendra/Centre Identifier A/N 30 Required
where the loan account is held currently.
69 Loan Officer for Originating A/N 30 Required
the loan
No input required - this will be updated
Date of Account Required
70 D (DDMMCCYY) 8 based on the data generation process
Information
Enumeration:
T01- JLG Group
71 Required T02- JLG Individual
Loan Category A/N 3 T03 – Individual
T04- SHG Group
This is a required field if Loan Category is
72 Required when present T01, T02 or T04
Group Identifier A/N 20

Indicate whether the borrower is taking the

73 Loan Cycle-id A/N 30 Required when present first, second or third loan within the same
lender
Required
74 Loan Purpose A/N 20

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Enumeration:
S01 - Loan Submitted
S02 - Loan Approved - Not yet disbursed
S03 - Loan Declined
S04 - Current
S05 - Delinquent
S06 - Written Off
75 3 Required S07 - Account Closed
Account Status A/N S08 - Restructured due to COVID-19
S09 - Restructured & Closed
S10 - Settled
S11 - Post Write Off Settled
S12 - Post Write Off Closed
S15 – Cancelled

Required when present

76 Application date D (DDMMCCYY) 8
Required when present
77 Sanctioned Date D (DDMMCCYY) 8
Required
78 Date Opened/Disbursed D (DDMMCCYY) 8

79 Date Closed (if closed) D (DDMMCCYY) 8 Required when present This is required if account status is S07
Required when present
80 Date of last payment D (DDMMCCYY) 8
Required when present
81 Applied For amount N 9
Required
82 Loan amount Sanctioned N 9

Total Amount Disbursed Required

83 N 9
(Rupees)
Original Loan tenure

Required for all new disbursals from 1st

Apr 22. Is required when present for any
Required Conditionally disbursals before 1st Apr 22.
84 Number of Installments N 3

Data gets rejected for new disbursals from

1st Apr 22. If it has blank / zero value in this
field.
Enumeration:
F01- Weekly
F02 - Biweekly
F03 - Monthly
F04- Bimonthly
F05- Quarterly
Required Conditionally F06- Semi annually
85 F07-Annually
F08-Single Payment Loan (bullet / balloon)
Repayment Frequency A/N 3 F10-Other

Required for all new disbursals from 1st Apr

22. Is required when present for any
disbursals before 1st Apr 22.
Provide amount payable in a single
Data gets rejected for new
installment
disbursals from 1st Apr 22 if
it has blank / other than
Required Required for all new disbursals from 1st Apr
Minimum Amt catalogue values.
86 N 9 22. Is required when present for any
Due/Installment Amount
disbursals before 1st Apr 22. Data gets
rejected for if it has blank / zero value in this
field.

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Required Provide principal outstanding

87 Current Balance (Rupees) N 9

Amount Overdue Required

88 N 9
(Rupees)

Enumeration:
000 = 0 payments past due (current
account) with
Required when present Positive Balance
89 001 to 999 = Number days past due. If an
account is
DPD (Days past due) A/N 3
above 999 days, mark as 999
XXX = No payment history available for this
month

Write Off Amount Required when present

90 N 9
(Rupees)
Date Write-Off (if written- Required when present
91 D (DDMMCCYY) 8
off)
Enumeration:
X01- First Payment Default
Required when present X02-Death
92 X03-Willful Default Status
Write-off reason (if X04-Suit Filed, Willful Default Status
A/N 20
written off) X09-Untagged
X10 - Not Applicable

Required when present Number of centre meetings held since the

93 No. of meetings held N 3 loan
Disbursement

Required when present Number of centre meetings out of the

94 No. of meetings missed N 3 above which
the customer has not attended

Required when present Enumeration:

95 Insurance Indicator A/N 1 Y- Yes
N- No

Enumeration:
L01 - Life Insurance
Required when present L02 - Credit Insurance
96 L03 - Health/Medical Insurance
Type of Insurance A/N 3 L04 - Property Insurance
L05 - Liability Insurance
L10 - Other
Required when present
97 Sum Assured/Coverage N 10

Enumeration:
MON - Monday
TUE - Tuesday
Required when present
98 WED - Wednesday
Agreed meeting day of the THU - Thursday
A/N 3 FRI - Friday
week
SAT – Saturday
SUN - Sunday

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Agreed Meeting time of Required when present

99 A/N 5 should be in HH:MM format
the day

Required when present

100 Dummy A/N 30 Reserved for future use

The TRL Segment:

• Is a required segment.
• Occurs only once per file

Fixed
Field No. Field Name Field Type Character Field Description
Length
Type
Segment
1 Required AN 3 Must contain the value TRL to identify trailer Segment.
Identifier
Contains the value "HMMFI" which indicates CRIF Highmark MFI Input
Name of File.
2 Submission Required AN 5
File This is a mandatory field. Failure to report this field or its incorrect
reporting will lead to a rejection of the entire input file.

Indicates CRIF Highmark Input file format version number. Contains the
value "1.9"
Layout
3 Version Required AN 3 When CRIF Highmark introduces an upgraded version of the
Number input file format, the Layout Version Number will change to 1.0 to
1.1 and so on., as advised by CRIF Highmark.
This is a mandatory field.
Failure to report this field or its incorrect reporting will lead to a
rejection of the entire input file.
Must contain the unique member ID assigned by CRIF Highmark to the
Submitting Member. This is a mandatory field. Failure to report this field or its
4 Required AN 10 incorrect reporting will lead to a rejection of the entire input file.
Member ID
Reserved
5 for Future AN 20
Use

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Appendix A: State code mapping

The following table contains the calculations to be used to convert the Term Duration (Original Loan
term, Current Loan Term and Term to Maturity) and Scheduled Monthly Installment Amount /
Minimum
Amount Due to monthly values. If field is reported as # of payments, then use –

State Code State Name

AP Andhra Pradesh
AR Arunachal Pradesh
AS Assam
BR Bihar
CG Chhattisgarh
GA Goa
GJ Gujarat
HR Haryana
HP Himachal Pradesh
JK Jammu & Kashmir
JH Jharkhand
KA Karnataka
KL Kerala
MP Madhya Pradesh
MH Maharashtra
MN Manipur
ML Meghalaya
MZ Mizoram
NL Nagaland
OR Orissa
PB Punjab
RJ Rajasthan
SK Sikkim
TN Tamil Nadu
TR Tripura
UK (Formerly UA) Uttarakhand
UP Uttar Pradesh
WB West Bengal
AN Andaman & Nicobar
CH Chandigarh
DN Dadra and Nagar Haveli
DD Daman & Diu
DL Delhi
LD Lakshadweep
PY Pondicherry
TS Telangana

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