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    About CIBIL

    CIBIL which stands for Credit Information Bureau (India) Limited, is an ISO 27001:2005 company. A first of its kind, it is India’s premier Credit Information Company (CIC). Founded in the year 2000, it has established itself as a key participant of the Indian financial system. The company records credit related information of individuals as submitted by registered member institutions. CIBIL works in association with TransUnion International Inc. and Dun and Bradstreet.

    CIBIL has two major segments viz. the Consumer Bureau and the Commercial Bureau. The Consumer Bureau maintains credit records of individuals while the Commercial Bureau maintains credit records of institutions/companies.

    As India’s leading CIC (Credit Information Company), CIBIL enjoys considerable clout in the Indian credit system. But who makes up this prestigious institution?

    CIBIL has a diverse ownership structure consisting of well-known banking and non-banking companies. Its major stakeholder is Trans Union International Inc. with about 66% of the total share. The remaining 34% is held by 8 other parties with stakes ranging between 1% to 6% each.

    TransUnion deals in data analytics to help businesses in decisioning processes for better risk management. It is also a leader in information management.

    CIBIL Shareholders
    Trans Union Interantional Inc. 66%
    ICICI Bank Ltd. 6%
    Bank of Baroda 5%
    Bank of India 5%
    Indian Overseas Bank 5%
    Union Bank of India 5%
    Aditya Birla Trustee Co. Pvt. Ltd. 4%
    India Alternatives Pvt. Equity Fund 2.9%
    India Infoline Finance Ltd. 1%

    An individual’s or company’s credit history is evaluated to generate a Credit Information Report (CIR) from which is derived a credit score known as the CIBIL TransUnion Score. This report and score form an integral part of a lender’s credit approval process. Credit scores range between 300 and 900. The higher the score, the more creditworthy the borrower is, which translates to quick approvals and better interest rates.

    CIBIL provides credit reports and scores to those who inquire for them. This includes individuals, institutions and lenders. When an application for a loan or credit card is submitted, lenders check the applicant’s credit scores to ascertain whether it satisfies eligibility criteria. In general, a score of 750 or higher is considered good.

    Prior to the introduction of credit information bureaus in India, credit was dispelled based on the apparent creditworthiness of customers. There was little to no tracking of credit histories nor was there any useful analysis or collation of credit data of various borrowing entities. This led to defaults which were loss-making propositions for lending institutions.

    As time passed, regulators began emphasising on the need for stricter credit approval mechanisms. Based on recommendations by the Siddiqui Committee, India’s first credit information company was set up. CIBIL has been in operation since the year 2000 and brought in much-needed transparency to the credit system. In 2004, consumer bureau services were launched followed by commercial bureau services in 2006.

    The CIBIL TransUnion score was first brought to banks in 2007 and later to individuals in 2011. Two noteworthy services were launched in the year 2010 viz. CIBIL Detect and CIBIL Mortgage Check. These were information databases on activities considered highly risky in nature and mortgages respectively.

    Today, almost all banks rely heavily on credit scores from credit bureaus to analyse borrowers’ creditworthiness. By reviewing credit information reports (CIRs), lending institutions are now able to assess and manage risk better. This helps in reduction of NPAs contributing to a healthier overall credit system in the country. Borrowers are now able to access their credit reports and scores to better understand their chances when it comes to being approved for a loan. They can work towards building their credibility before opting for a loan thereby rejecting their chances of rejection. Awareness on CIBIL and its services is on the rise with many initiatives being launched to educate the masses on the need to maintain financial discipline and the consequences of lapses.

    CIBIL works with the mission and vision to provide customers solutions that will facilitate making the best decisions, supported by suitable technology and services to make the required information available to them in the best way possible. Even with the presence of other credit bureaus in India, it is always the company’s endeavour to be their audience’s first choice.

    • CIBIL Score

      A numeric score, released by CIBIL, indicating an individual's creditworthiness. It is calculated based on credit data collected from member financial institutions that have extended credit to individuals in the form of loans or credit cards. Higher the score, stronger the individual's creditworthiness. CIBIL scores a.k.a. credit scores, are widely used as a key parameter when determining a borrower's eligibility for a loan or credit card. Read on to find out how CIBIL scores are computed and how it affects your loan and credit card approval.

    • CIBIL Report

      A comprehensive report compiling an individual's credit information, sourced by CIBIL from various member lending financial institutions viz. banks and credit card issuers. A CIBIL report a.k.a. credit report contains pertinent information about an individual's borrowing history and repayment patterns including delays and defaults. This report acts as a key source of credit information to assess a borrower's creditworthiness. Information in this report helps an individual understand how his/her credit score has been affected. Read more about what a CIBIL Report Contains.

    • Factors that affect CIBIL Scores

      CIBIL scores are determined based on a number of factors including how often and regularly you service debt obligations. Find out what impacts your credit score resulting in a good or bad credit rating.

    • Top CIBIL Improvement Factors

      Dogged by a bad credit report or credit score? Mediocre credit ratings have your bank officers on edge about how much they ought to lend you? Learn about how you can get your CIBIL rating to look better than ever before.

    • Facts about CIBIL scores

      Do you think CIBIL scores are just an elaborate government ploy to get you to pay your credit card bills on time? Does your mom worry that the neighbour’s son has a better credit score than you? Get the real deal on CIBIL scores and what they mean to you with these important facts about credit scores.

    • FAQs: CIBIL/Credit Score

      Did you know….For all those questions left unanswered and more, we list out the most popular questions about CIBIL, credit ratings, reports and scores. Find out all you need to know about CIBIL but don’t want to ask.

    • Factors that affect CIBIL scores

      What goes into the making of a good CIBIL score? In this segment, we deconstruct a credit score to find out what you should or should not do to get a good credit score.

    • Good habits for a good CIBIL score

      CIBIL reports are built over a period of time and so also your score. A good credit rating is a reflection of your credit habits. What are good credit habits? Read on to know what you should be doing for a good CIBIL rating?

    • Mistakes that can negatively impact your CIBIL score

      You might get your cheque in the box just in time to clear a payment due on your loan or credit card, but paying your bills isn’t the only way to stay in CIBIL’s good books.Get the inside scoop on the mistakes you should avoid to keep your credit score from going bad.

    • Hidden facts about CIBIL scores

      Knowing your credit report is great; but when it comes to CIBIL, there’s more than meets the score. Get the dope on the lesser known facts about credit scores including how they are computed and what really gets your CIBIL report going.

    • CIBIL score for Home Loan

      The right credit score will make you feel right at home at any bank. Home loans are often high quantum, long-term loans that make lenders wary about whose homes they’re financing. What CIBIL score should you have to impress your bank for the most affordable housing loan?

    • CIBIL score for Personal Loan

      Nothing personal about your creditworthiness when it comes to taking out a personal loan. Being an unsecured loan, you’ll want to have your credit score in just the right range to make sure you get your bank to fund you instantly. How high should your credit score be to get the best personal loan in town?

    • CIBIL score for Car Loan

      Fuel your dream ride with a range of car loans that suit your pocket. Walk in with a good CIBIL score and drive away with a new set of wheels. Check if your CIBIL score qualifies you for the car loan of your choice.

    • CIBIL Myths

      If you think CIBIL is a secret service agency that runs an underground operation of loan and credit card dealers, think again! Get your facts straight and but those myths about CIBIL and credit scores.

    • What’s next for CIBIL

      Getting a loan or a credit card? Let’s talk CIBIL. Like ‘em or love ‘em, CIBIL is definitely here to stay and is getting bigger. Credit assessment is finding new applications in India’s diverse financial system. Insurance? Utilities? What other products and services will CIBIL make its mark on next?

    • Solutions to your CIBIL credit report problems What’s a model borrower like you doing with a bad credit report? Maybe your bank forgot to record a payment or they got your payment dates wrong. Whatever got you at the wrong end of the stick, we help you find a way to get your CIBIL report back in order.
    • CIBIL / Credit Report Checklist

      How is a credit report built at CIBIL? What are the key points to look out for when reading a CIBIL credit report? Check off what you need to look out for with our handy CIBIL report checklist.

    • CIBIL Score vs. CIBIL Report

      A CIBIL score is a numeric representation of your creditworthiness based on information contained in your report. A CIBIL report is a comprehensive record of your credit transactions based on your credit history. This is just one of the many differences between a CIBIL score and a CIBIL report.

    Monitoring credit score, at regular intervals, is pivotal to figure out where you stand. Normally, CIBIL score ranges from 300-900, but it is advisable to score higher than 750 to get approvals on loan application and credit card. Every time a lender updates new information on the credit account, credit score alters. Check your Free Credit Score by following simple steps.

    Q. What’s CIBIL all about?

    Founded in 2000, the Credit Information Bureau of India Limited (CIBIL) collects a record of an individual’s loans and credit cards. CIBIL, which is ISO 27001:2005 certified, is divided into two divisions, namely, consumer bureau and commercial bureau. The consumer bureau (launched in 2004) has over 260 million records while the commercial bureau (launched in 2006) has over 12 million records. TransUnion International and Dun and Bradstreet are CIBIL’s technical partners.

    Q. What’s a CIBIL score?

    Banks, as part of their due diligence process, gauge the creditworthiness of individuals based on credit scores. The information listed on your credit report includes several variables that CIBIL uses to set your credit score. CIBIL score, therefore, reflects the extent of the probability of a default. An individual’s credit history is submitted to CIBIL by banks and financial institutions on a monthly basis.

    Q. Is there only one credit bureau in the country?

    In addition to CIBIL, there are three other credit bureaus in India, namely, Experian Credit Information Co. of India Pvt. Ltd, Equifax Credit Information Services Pvt. Ltd and CRIF High Mark Credit Information Services Pvt. Ltd. Since all the three have different scoring patterns, your score may vary. Nevertheless, if you have a good CIBIL score, you will get favourable scores by others too.

    Q. Will checking your score have negative repercussions?

    Experts suggest checking one’s CIBIL score once a year. The practice is often considered a ‘soft inquiry’ as opposed to credit card issuers asking CIBIL for your score, known as a ‘hard inquiry’ (mentioned in the ‘enquiry section’ of your report). Also, if you apply for a loan with various banks at the same time, it will result in hard inquiries which may have a negative impact your score.

    Q. What’s a control number?

    The control number is a nine digit unique number that helps CIBIL track your credit report. The control number is generated if and when banks access your credit report.

    Q. What happens if there is no information available for the details I provide?

    If there is no information available for CIBIL to generate a credit report for you, then the money that you paid towards the report will be refunded.

    Q. How does the CIBIL scoring system work?

    CIBIL’s scoring system takes into account all your previous credit information from all types of loans to credit cards, etc. and considers your performance (whether you’ve paid on time or delayed payments, or defaulted on payments entirely) and collates all this information into a numerical score. The score is on a scale from 300-900, and scores above 700 are eligible for loans from most of the established lenders. The closer your score is to 900, the better your chances are of having a loan or credit card approved. In addition to a numerical score, lenders from whom you’ve previously borrowed are able to leave comments about your credit performance against the score. Whether the comments they leave are good or bad is entirely up to you and how manage your finances.

    Tips to Improve Your Credit Score

    Maintaining a good Credit Score is very important. Let’s give you some ways to improve your Credit Score. Follow these tips and you’re on the right track.

    Be Regular With Bill Payments

    Start paying those bills on time and your Credit Score will gradually improve.

    Foot The Entire Bill

    Paying only the minimum amount due on your Credit Card is not a good idea. Pay the full bill.

    Increase Your Credit Limit

    If you have a lower credit limit and still max out your Credit Card, that hurts your Credit Score. Boost your Credit Limit and use a lower limit. That’s better.

    Foreclosing Loans? Not A Good Idea

    If you think making a lump-sum payment on your loan will boost your Credit Score, think again. Pay your EMIs on time to show that you have a good repayment history.   Ready to improve your Credit Score? Let’s get you started by getting you the perfect Credit Card.

    Read CIBIL news or Enjoy it on the go Google Play

    • Can I Check My CIBIL Score Online?

      Yes, you can check your CIBIL Score online. CIBIL which stands for Credit Information Bureau (India) Limited offers one free credit report every year that contains your credit score. Knowing your CIBIL score is important as it is a prime factor when it comes to loan and credit card approvals. A three-digit CIBIL score in the range of 300-900 represents your credit worthiness.

      Here’s how you can check your CIBIL Score online.

      First, you will need to fill the CIBIL online credit score request form.

      Step 1: Select from the following subscription plans:

      Bi-Annual Subscription - 2 Score Reports (Rs.800)

      Quarterly Subscription - 4 Score Reports (Rs.1200)

      Step 2: Enter your date of birth, gender, PAN, and email address

      Step 3: Input the displayed characters in the given box

      Step 4: Tick on the box before ‘I acknowledge and accept the Terms and Conditions applicable and available on the site.’

      Step 5: Click on ‘Proceed to Payment

      You will be redirected to an authentication page after you complete the payment. Here, you will need to answer 5 questions related to your credit history. Out of the 5 questions, you will have to answer at  least 3 correctly to authenticate your identity following which the credit report will be sent to your email address within 24 hours.

      12 March 2018

    • Do you have a trustworthy Credit Score?

      What is a credit score? How important is that? In simple words, it represents a person’s potential of paying dues. A three-digit credit score is amongst the most vital elements of financial details with respect to a person, but many people don’t understand the importance of it. It will be used by credit card issuers, banking companies, retailers and landowners in order to decide how monetarily reliable you shall be. An unhealthy credit rating may result in remitting higher interest rates not being selected for personal financial products.

      A person can obtain a free copy of credit report from each of the credit rating agencies in India, but a majority of people appear uninformed of in what way a credit score is essential. There are many reasons for establishing and building a credit score. With a good credit rating, an individual can get the best personal financial products whereas with a bad rating, it is tough. Make sure to check your credit score periodically and be well-rated always. You credibility should be trustworthy.

      2 February 2018

    • CIBIL Urges Digitisation Of Workflows To Increase Efficiency

      The Chief Information Officer (CIO) of TransUnion CIBIL has discussed the need to digitise process workflows and a change of policy to help meet the needs of the BFSI sector. Excerpts from an interview highlight the need to embrace new technology such as CreditVision, a product which will look at an individual’s credit scores over a period of time as a means to gauge his/her creditworthiness.

      CreditVision seeks to provide more customer insight to banking institutions in an effort to distinguish the risks associated with individuals who have the same CIBIL score but could have divergent patterns of risk.

      23 July 2017

    • About 74% consumers in India check their credit scores minimum twice a year

      According to a survey conducted by TransUnion CIBIL, about 74% of the 1002 urban consumers who participated in the survey, check their credit score minimum twice a year. 29% of the respondents out of the 74%, claim to do so in order to improve their credit score while 28% did it to prepare for a credit card or loan application. 62% of the survey respondents were unaware that lenders check their credit scores in order to compose the term loans. 63% of the respondents didn't know that mobile network providers use CIBIL scores to set postpaid credit limits.

      The survey showed that young urban adults, 18 to 24-year olds are more credit vigilant than 45-year olds and above. Consumers in the high income groups (Rs.5 lakhs and above) check their credit scores more often than those in the low income groups. Hrushikesh Mehta, the Vice-President of TransUnion CIBIL said that in addition to checking CIBIL score, the consumers should also go through their credit report carefully to be financially healthy. 

      22 June 2017

    • New system being introduced by CIBIL to increase bank customer base

      TransUnion CIBIL has launched a system to give access to finance to around 15 lakh borrowers that includes an asset size of Rs.68,858 crore each year. This introduction comes at a time when banks are facing an increase in the non-performing assets (NPAs) and low credit offtake. CreditVision, the new system has been designed on the basis of algorithms that forecast risk and increase credit opportunities by rigorously analyzing the trending data that opens the patterns of transactions, spend behavior, and exposure.

      These algorithms that are based on the last 36 months of trending data, make identification of simple and specific consumer behavior. They also help in delivering it in a quantitative format that is highly usable. This format lets financial institutions to use their customer insights for designing more specific lending decisions. CIBIL explained that this would help in creating possibilities to increase the retail credit market and promote reach to easier, faster, and cheaper credit opportunities. Satish Pillai, MD and CEO of CIBIL, said that CreditVision algorithms will prove to be a game changer in the industry of credit that will help in bringing in unprecedented increase in the market and will also lead to redefining the lending strategy in our country. 

      4 June 2017

    • Introduction of new system by Cibil will lead to expansion of bank's customer base

      With an increase in non-performing assets and gradual removal of low credit, TransUnion CIBIL has announced a system to drive access to finance to around 15 lakh borrowers that include an asset size of Rs.68,858 crore per year. CreditVision, the latest system is made on algorithms that foretell risk and widen credit opportunities by analyzing the trend data that brings forth the patterns in payment, spend behavior, and exposure. The algorithms are based on the trending data of the last 36 months and they let the system identify specific as well as comprehensive customer behavior. These are then delivered in a simple and user-friendly format to let financial organizations use such customer insights to make more accurate decisions related to money lending. CIBIL reported that while analyzing credit behavior and demand using CreditVision, it could get credit access to 15 lakh borrowers per year without compromising on the risk factor. As many as 15 lakh borrowers can give Indian banks a rising asset size of over Rs.68,858 crore, at delinquency rate that is low, Crisil said. It will also look for another 20 lakh borrowers who can access banking credit, but must be suitable for higher amounts of credit or greater loan-to-value that will provide an increasing asset size of as much as Rs.29,153 crore at a low delinquency rate, the body said.

      2 June 2017

    • Indians like splurging on shopping with credit cards, report says

      CIBIL, India’s premier credit information bureau, recently conducted a study wherein, it came up with a number of findings. Among the many, the highlight suggested that most Indians tend to splurge on shopping and pay for it through their credit cards.

      The study said that only 1 out of 4 people is aware of how their credit score is calculated, but 9 out of 10 people are aware that delay in payments will impact their credit scores.

      Also, the report further suggested that 3 out of 4 people are aware that one-time settlements are viewed negatively by card providers. Other than these, there were other findings such as 44% not being aware of how their credit scores are calculated, 33% being unaware of paying more than their minimum, and 6% people tend to pay a little more than the minimum but don’t make full payments.

      25 April 2017

    • CIBIL launches its online marketplace

      TransUnion CIBIL Limited, India’s first Credit Information Company (CIC), has launched an online marketplace to allow its customers to assess and choose the best loan for them. CIBIL has collaborated with 13 banks to offer retail loans like, loans against property, personal loans, credit cards, home loans and business loans. The online marketplace will take the individual’s credit score and repayment capacity into consideration, allowing the individual to select the most suited loan for him/her. Customers can access this marketplace free of charge, and CIBIL is charge a fee to the 13 associated banks. CIBIL’s new marketplace will give stiff competition to other online loan aggregators, as CIBIL customers will be able to access their CIBIL scores before applying for a loan. The procedure to apply for a loan on the CIBIL marketplace will be simple, as customer will be able to check their CIBIL scores and submit their eKYC documents online along with their income details.

      31 March 2017

    • TransUnion’s Stake in CIBIL Rises After ICICI and Bank of Baroda Sell Stake

      With banks attempting to raise credit from non-core asset sales, ICICI Bank and Bank of Baroda have both sold their stake in CIBIL, resulting in TransUnion now holding over 77.1% of the company.

      The recent poor financial performance by the banks is seen as the reason behind the sales.

      TransUnion, an American company, bought out the Bank of Baroda’s 5% and ICICI Bank’s 6% stakes in CIBIL.

      This transaction took place after the Reserve Bank of India recently allowed 100% foreign direct investment in credit information companies.

      CIBIL was set up in 2000 as a joint venture between TransUnion and a consortium of Indian banks. Many of them, such as HDFC and State Bank of India, have already sold their stakes to TransUnion.

      While the amount raised by the two banks from the sale is not known yet, both banks saw increases in their trading values after the news of the sale was made public.

      14 July 2016

    • Bajaj Predicts Fewer Defaults if Rains Hold Steady

      Bajaj Finance has predicted that loan defaults would be fewer if the monsoon is adequate this season, with uptake being high. As the monsoon drives the economy, a good monsoon would result in a depreciation in lending take-up, according to the company.

      Helping lenders bring down their default ratio, the CIBIL score provides them with information relating to the applicant’s credit history, allowing them to make an informed choice before sanctioning a loan.

      One of the largest providers of consumer durable finance in the country, Bajaj has cornered over 90% of the market in the sector, which is slated to rise as they cut losses from defaults.

      The company has set itself a target of 30% growth for the coming year, with growth being driven by the mobile phone financing market.

      The company has also expanded its presence through tie-ups with electronics chains such as Sangeetha Mobiles in Bangalore and Vijay Sales in the western region of the country.

      28 June 2016

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    Customer Reviews

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      The bajaj finserv has offered me the consumer durable loan and I have got a washing machine from the BAJAJ FINSERV consumer durable loan. Even though I have closed this consumer durable loan it got reflected in the Cibil and they are not giving the NOC after making the payment too.
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    • Bank Bazaar All Products
      "Its an amazing app"
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      Reviewed on Mar 07, 2018
    • Bank Bazaar All Products
      "Nice experience in the bank bazaar "
      0.5 3.5/5 "Pretty good"
      Best company in the world Bank bazaar company has been the best thing ever so much for the first time in the world Good experience in bank bazaar. Com cibil score important in our life so payment plan to do with the same time and the rest of my life
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    • Bank Bazaar Credit Card
      "A friendly partner"
      0.5 5.0/5 "Blown Away!"
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      , chennai
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      "Perfect service"
      0.5 5.0/5 "Blown Away!"
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    • Bank Bazaar All Products
      "Bankbazaar makes life easier with their excellent support "
      0.5 5.0/5 "Blown Away!"
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      Reviewed on Jan 17, 2018
    • Bank Bazaar All Products
      "Cibil Advisor"
      0.5 5.0/5 "Blown Away!"
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    • Bank Bazaar Credit Card
      "Good Experience"
      0.5 4.0/5 "Great!"
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      "Good service"
      0.5 2.0/5 "Expected more"
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    • Bank Bazaar Car Loan
      0.5 5.0/5 "Blown Away!"
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      , noida
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      0.5 1.0/5 "Really Bad"
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      , burdwan
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      Reviewed on Nov 26, 2017
    • Bank Bazaar Credit Card
      "Good value"
      0.5 5.0/5 "Blown Away!"
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      "User friendly app,best app for financial requirements to all"
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      "Good card to use"
      0.5 4.0/5 "Great!"
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      , bangalore
      Reviewed on Nov 18, 2017
    • Bank Bazaar Credit Card
      0.5 4.5/5 "Excellent!"
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    • Citibank Personal Loan
      "Needs to improve"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan from Citi bank, my loan application was closed because there was an issue with my CIBIL score. When it comes to customer service, they just called once and there was no further follow up done, they did not respond. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 17, 2017
    • Kotak Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan from Kotak Mahindra Bank, my loan application was closed because i had an issue with my CIBIL score. The customer service was good and they responded on time, there was no issue from the bank side and they followed up regularly. The rate of interest was high when compared to others in market.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 16, 2017
    • Bank Bazaar Personal Loan
      0.5 3.0/5 "Satisfactory"
      It was a OK OK experience with Bank Bazaar i received while i applied for the personal loan . The website is helpful and user friendly as i am first time user . I checked the cibil score on the website without paying any fees that is so cool . The call came from the bank bazaar executive once after I registered for the loan process also their customer service is cool only.
      Was this review helpful? 0
      , goa
      Reviewed on Nov 15, 2017
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