current balance" in a CIBIL report refers to the total amount owed on your credit accounts as of the most recent reporting date. This includes credit cards, loans, and other lines of credit. It reflects the amount you currently owe, excluding any payments made since the last reporting period. Lenders use this information to assess your creditworthiness and repayment capacity. A lower current balance indicates responsible credit management, while a high balance relative to your credit limits may signal financial strain. Understanding your current balance is crucial for managing your credit effectively and maintaining a healthy credit score.

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