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cibil
CIBIL
Helping banks in effective SME credit decisioning

Arun Thukral

Facts about CIBIL
• Founded in 2001
• Members: Credit institutions in India (Banks, Financial
Institutions, NBFC(s), Credit Card Companies, etc
• Membership base: Over 800
• Database
Consumer Bureau

• Credit information on Individuals
• Over 220 million records

Commercial Bureau

• Credit information on Businesses
• Over 10 million records

© 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

CIBIL Shareholders

© 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

CIBIL is the risk management partner for all lending institutions in India

Advanced
Analytical tools
Commercial
Database

CIBIL is
Established

First and only credit bureau

2004

© 2012 ALL RIGHTS RESERVED | CIBIL PRIVATE

• CIBIL Detect

• Personal Loan Score

• CIBIL Mortgage Check

• Bureau Credit
Characteristics

• Consumer Portfolio review reports

2005

• Direct Consumer Access

• CIBIL TransUnion Score

• 0.6 million commercial records • 4 million consumer records • First central repository on
Fraud and Mortgage

• CIBIL Watchlist

• CIBIL Custom Solutions

2007

2009

CIBIL is the leading CIC in India

Accelerates solution offerings

Changes in regulatory environment brought about significant developments in the Indian credit information space
Consent
Eliminates the need for consent to share data Accurate information

Credit Information
Companies Act,
2005

Mandates information submitted to be accurate and updated

Complete Information
Requires reporting of complete information of the portfolio

Timely Information
Mandates information to be timely- at least on a monthly frequency

Inclusion of other sectors

Establishes RBI as CIC
Regulator

Allows telecommunications and insurance companies access to CIC credit information

Report access
Gives borrowers the right to access their credit information report from a CIC
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