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What is the ECN Number in CIBIL Report?

December 26, 2023 • 1091 views

Do you really need to know your ECN when applying for a loan? Yes, the Enquiry Control Number (ECN) has numerous utilities making it essential information for various tasks. So, it is imperative that you have a thorough idea of ECN, its usage and where you can find the number. Read on to know in detail!

What is an ECN Number?

ECN stands for Enquiry Control Number, and it is also called the control number. This number helps lenders to easily keep track of their borrowers. The ECN is usually generated when a lender accesses your credit report. This is a unique number that is specific to the credit report of a borrower.

How to Get an ECN Number?

There are multiple ways in which you can access the ECN as a borrower. These ways include:

  • Through Your Lender: Request your lender to provide you with the credit report. This report has your unique ECN in its top right corner that you can use for future reference. You can ask for ECN directly from your lender.
  • Via the Official Website: This is another option for obtaining a credit report with the ECN. All you will need to do is visit the official website and submit a written request for obtaining an ECN.
  • By Subscribing to Periodic Credit Reports: Subscribe to the periodic credit report by paying a minimal amount as per the rules. You will get a detailed credit history along with ECN No in the CIBIL report in its top right corner.

Why Is ECN Number Important?

Following are some of the reasons why an ECN on CIBIL report is of the utmost importance to both lenders and borrowers:

  • Access to Credit History: With the help of ECN, lenders can instantly check the credit report of borrowers. Accordingly, they can determine if a borrower can pay off their credit and approve their loan request.
  • Resolution of Queries: In case borrowers have queries regarding their credit report or other details, they can instantly connect with the bureau quoting their ECN. This makes it easier for credit bureaus as well to identify and resolve the queries.
  • Track Borrowers’ Records: There are millions of borrowers applying for a loan every year. Using ECN, credit bureaus can easily track their individual credit history and eliminate possible confusion and mistakes.
  • Secure Payment Details: Since ECN is confidential information and is necessary to track payment histories, you can stay assured that your credit details are completely safe and secured.

Once you receive your CIBIL report, you will know your credit score and the details of your ongoing loans and payment history. If it is excessively low, you should take drastic measures to increase your score.

Ways to Improve Your CIBIL Score

Following are some ways in which you can increase your CIBIL score.

  • Pay Your EMIs on Time: Make sure that you pay your monthly instalment on time and repay the credit on time. This portrays you as a responsible borrower and improves your credit score.
  • Increase Your Credit Limit: A lower credit utilisation ratio can also improve your CIBIL score. So, if you have a habit of overspending, request your lender to increase your credit limit.
  • Go for a Longer Tenure: Selecting a longer loan tenure ensures that your EMIs become more affordable. So, you can easily pay off your credit on time. However, the total interest on your loan might increase.
  • Check Your Credit Report: Periodically check your credit report to make sure that there are no errors in your personal, contact, and financial details. Otherwise, it can negatively impact your credit score. 
  • Avoid Taking Multiple Debts: It can become challenging for you to manage multiple debts at a single time with equal efficiency. This can lead to missed payments and financial crunch, ultimately lowering your CIBIL score.
  • Maintain a Good Credit Mix: Try to maintain a balance between secured and unsecured loans. This ensures that you have sufficient experience with both types of loan repayments, leading to an increase in your CIBIL score.

Also Read - How to Improve CIBIL Score to Get a Loan at Lower Interest Rates?


The ECN number in CIBIL report not only makes it easy for borrowers to track your credit history but also you can use it for dispute resolution. Once you find that your credit score meets the specified eligibility criteria for the loan you want, you can proceed with filing the online application for it.

So, apply for a loan from Poonawalla Fincorp and see your dreams turn into reality with extra funds.

FAQs on ECN Number

1. How many digits does the ECN comprise?

The Enquiry Control Number usually comprises 9 digits. It is usually a combination of both numbers and alphabets.

2. Can two borrowers have similar ECNs?

No, the ECN is unique for every borrower making it impossible for two borrowers to have similar control numbers.

3. What is the need for an ECN?

Financial institutions can use the ECN to obtain the credit history of a loan applicant. This helps them analyse if the borrower is trustworthy or not.


We take utmost care to provide information based on internal data and reliable sources. However, this article and associated web pages provide generic information for reference purposes only. Readers must make an informed decision by reviewing the products offered and the terms and conditions. Loan disbursal is at the sole discretion of Poonawalla Fincorp.
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poonawalla fincorp team

Poonawalla Fincorp Team

Our team of expert writers and editors are passionate about providing authentic and valuable information on finance. Our aim is to simplify financial and finance-related concepts. We strive to help our readers become more aware and empowered to make informed financial decisions.

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