Batch User Guide produced by CRIF - Janata Bank

5.2 CONTRACT DATA FILE
The Contract Data File is a continuous, space delimited .txt file that has between 2 and
9.999.999 rows of information.
The first row (and only the first row) will ALWAYS be the Header. Please refer to Annex 5.2 for
the rules to fill the header row. Note that this Header will be identical to the one of the related
Subject Data File, except for the length of the filler, and therefore the total length.
The last row (and only the last row) will ALWAYS be the Footer. Please refer to Annex 5.2 for the
rules to fill the footer row. Note that this Header will be identical to the one of the related Subject
Data File, except for the length of the filler, and therefore the total length.
In between the header and the footer, there will be a varying number of lines, each carrying
different sets of information.
ALL rows (including the Header and the Footer) will ALWAYS be 600 characters long, but the
composition of each row depends on the type of information that is being provided in that
particular line.
Specifically, the type of information that the Contract Data file
provides are the following:
• 1 row of 600 characters which is the header
• 1 row of 600 characters which is the footer
• In between, it contains:
• 0 to “n” rows of 600 chars each of Financial Information
divided into 250 chars of general contractual info (see “Body
for Record Type: General information for all types of
Financing”) and 350 chars specific to whether the contract is
instalment, non instalment, or credit card (see “Body for
Record Type: Instalment contracts”, “Body for Record Type:
Cards contracts”, and Body for Record Type: Non Instalment
contracts” respectively)
• 0 to “n” rows of 600 chars each that provide the Risk Grading,
Y score and Z score of any subject (see Body for Record Type:
Subject Information)
• 0 to “n” rows of 600 chars each that provide the link between
each contract and each Subject on the contract, indicating the “role” such subject has on
the contract - co-borrower, guarantor. (see "Body for Record Type: contract Links”)
• Number of rows is up to 9.999.999
Depending on which of the above information a particular row contains, different rules must be
used to fill out such row. Therefore if a particular row contains Financial information about an
Overdraft Contract, for example, we will need to follow the instructions for “Body for Record
Type: General information for all types of Financing” of section 5.2 for the first 250 characters
of the row, followed by instructions for “Body for Record Type: Non Instalment contracts” of
section 5.2 for the remaining 450 characters of the row (since we can see from table 5.4.21 that
Overdraft is a type of Non-Installment contract). Conversely if the information in the row is a
Contract link indicating the Co-Borrower of a specific contract, for example, the row must be
filled out according to the rules in “Body for Record Type: contract links”.
While all rows will be 600 characters long, each section will have a specific number of characters
(for example 23 in header, 58 in Body for Record Type: contract li) that are data, and the
difference from that number and 600 that are simply spaces that make up a “Filler”.
In any row, the first character will always be the “Record Type”. This allows the System to know
what format to expect in the specific row. In our examples above, the row that contained data on
an Overdraft would start with “D” for contract detail, while the row containing data on Contract
Links would start with “G”.
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