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This is newly implemented form of credit facility status introduced by RBI in 2025. As RBI changed their credit reporting format,they introduced a new form of credit facility status for those credits, which were Written-Off in the account book of the lender. And later, the entire outstanding amount to close it as standard. So once the credit facility was “written off” and then “closed”. That is why it is now reported as Post Write Off Closed.
1. What does “Post Write Off Closed” mean in CIBIL report?
Previously, if a credit facility was not repaid to the respective lender. The lender reports that credit as “Written Off” in CIBIL. But also removes that “Written-Off” status entirely from the credit report, once the outstanding amount was paid to them. But since January 2025, once the outstanding amount is repaid after the credit facility became delinquent, lenders can report that as “Post Write Off Closed” in CIBIL, instead of keeping it blank.
However, not all lenders have adopted the new changes. A few among them, such as IDFC First Bank, Axis Bank, and IndusInd Bank, have already started to follow the RBI’s new guidelines, and other banks and financial institutions have not followed yet. They may follow the new guidelines later.
2. Can you remove “Post write Off Closed” status from CIBIL?
No, since the changes are made as per RBI guidelines, and also it is not negative status, that is why you cannot remove that from your CIBIL report.
3. How to deal with the difficulties of “Post Write Off Closed” status?
If you are facing difficulties for this status during the application of new credit facilities. The step you should follow is to aware the officials of that financial institute about RBI’s latest guidelines and also produce the payment-related documents of that credit facility in which that status is mentioned.
But in cases of loan application where documents are verified by software, that status might reject that application. In that scenario, you might go to the secured loan application.
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