I am having three personal loans and one consumer loan from different banks and also having two credit card of different banks.I have always paid my all dues on time except one emi of each loans was bounced. I think my name is now listed in cibil. How should I clarify this?

You can approach the banks where you have the loans and credit cards from for information about your case. Ideally if the bank you have taken the loans / credit cards from, are attached to CIBIL, then they would share data about the performance of your loan / credit card with CIBIL. This data would be shared irrespective of your defaulting on EMI payments.