CIBIL

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CIBIL Credit Information Bureau (India) Limited or TransUnion CIBIL Ltd is a Credit Information Company

Credit Information Bureau (India) Limited or CIBIL is a Credit Information Company (CIC) founded in August 2000. Post Inception, we have come to play a critical role in India’s financial system. Whether it is to help loan providers manage their business or help consumers secure credit faster and at better terms, the use of CIBIL’s products have led to a massive change in the way the credit life cycle is managed by both loan providers and consumers.CIBIL collects and maintains records of an individual‘s payments pertaining to loans and credit cards. These records are submitted to CIBIL by banks and other lenders, on a monthly basis. This information is then used to create Credit Information Reports (CIR) and credit scores which are provided to lenders in order to help evaluate and approve loan applications.

01/10/2026

Credit is a long journey, and the choices made at the start can shape what comes next.

At the Global Fintech Fest 2026, Aseem Dhru, Vice Chairman/MD & CEO, SBFC Finance, spoke about borrowing within one’s repayment comfort, thinking carefully about what the credit is being used for, and approaching loans with prudence. He also described the CIBIL Score as a reflection of where one stands on their credit journey, one that can influence the terms of credit over time.

30/09/2026

India’s credit opportunity is growing, but it alone cannot define its next phase.
Where credit goes, its assessment, and its responsible deployment will matter just as much.

In the latest episode of CIBIL Sandesh, Ashish Mehrotra, MD & CEO, Northern Arc Capital, speaks with Shefali Khalsa, Head - Marketing & Corporate Communications, TransUnion CIBIL, about the next frontier of credit growth in India. The conversation explores the credit gap across underserved segments, and how technology and partnerships can extend responsible credit access to the last mile.

As the credit ecosystem expands, the opportunity lies in making wider access and responsible deployment move together.

Watch the full conversation here: https://youtu.be/W3H06KFvWoQ?si=AaFvBfBdMdx96Vvw

Read the Unlocking Access – July 2026 Journey of credit expansion in India report here: https://transu.co/6180BGsKum

Check your Free CIBIL Score and Report: https://transu.co/6181BGsKuW

Check your business’s CIBIL Rank & CCR: https://transu.co/6182BGsKuo

30/09/2026

Can disciplined borrowing and digital access together strengthen financial inclusion?

Reflecting on the impactful discussions at Global Fintech Fest 2026, Sukhvinder Kaur, Deputy MD, State Bank of India, highlighted the value of starting one’s credit journey early and maintaining borrowing discipline, while also pointing to digital access as a way to close the last-mile gap in financial services.

Credit Market Indicator Report – September 2026 Personal Loans are emerging as one of the strongest growth stories in...
29/09/2026

Credit Market Indicator Report – September 2026

Personal Loans are emerging as one of the strongest growth stories in the retail credit market.

The CMI Report - September 2026 shows:
- Origination volumes grew 27% year-on-year
- Origination value increased 34% year-on-year
- Growth was visible across ticket sizes, pointing to broad- based momentum in the segment

Personal Loans are seeing both stronger participation and higher value growth, reinforcing their role in driving retail credit momentum.

To see more insights, read the Credit Market Indicator Report –September 2026: https://transu.co/6186BGqchK

29/09/2026

Better data can open the door to better credit access.

Revisiting the ideas, insights and conversations at Global Fintech Fest 2026, Prakash Kumar, Deputy MD, SIDBI, shared how the growing availability of MSME data is helping improve lending decisions and financial inclusion. He also pointed to the need for informal businesses to build a stronger data footprint. He also highlighted the CIBIL Score as an important decisioning input that has helped reinforce credit discipline over time.

Credit Market Indicator Report – September 2026 India’s retail credit market is seeing stronger growth, wider particip...
28/09/2026

Credit Market Indicator Report – September 2026
India’s retail credit market is seeing stronger growth, wider participation and improving portfolio performance as seen in the latest Credit Market Indicator Report – September 2026.

Some of the key highlights from the report:
- Retail origination value grew 20% year-on-year for the quarter ended June 2026, supported by renewed momentum in consumption-led products.
- The CMI improved by 6 points year-on-year, with improvement noted in all the four pillars namely Demand, Supply, Consumer Behavior and Performance.
- Consumer Durable Loans recorded a 72 basis point improvement in delinquencies, followed by Two-Wheeler Loans at 64 basis points and Credit Cards at 58 basis points.

Portfolio growth remained diversified, led by Gold Loans at 55% year-on-year, followed by Consumer Durable Loans at 39% and Property Loans at 21%.

Read the Credit Market Indicator Report – September 2026 for the complete picture of how India’s retail credit landscape is evolving: http://transu.co/6182BGoQk0

28/09/2026

Looking back on the engaging discussions from Global Fintech Fest 2026, Jayant Upadhyay, Co-
founder and Rohit Garg, Co-founder & CEO, Olyv, shared their perspectives on disciplined credit
habits, the role of bureau data, and what responsible innovation should deliver for customers.

From regularly tracking credit spends and checking one’s CIBIL Score to recognizing the value of
quality bureau data in informed lending decisions, they highlighted the importance of consistency
in building stronger credit behavior.


27/09/2026

Where does AI stand in credit's future? A credit habit that matters most from the start?

At the Global Fintech Fest 2026, Abhijeet Bose, President & CCO, and Praveen Kutty, MD & CEO, DCB Bank, shared how AI can support a better understanding of customer behavior and preferences across touchpoints. He also highlighted timely repayments and regular credit score checks as habits worth building early.

We’re proud to share that TransUnion CIBIL has been recognized by Avtar & Seramount as “One of the 2026 Best Companies f...
27/09/2026

We’re proud to share that TransUnion CIBIL has been recognized by Avtar & Seramount as “One of the 2026 Best Companies for Women in India” and “One of the 2026 Best Companies for Women in India – BFSI” for the second time in a row.

This recognition reflects our continued focus on building a workplace where women are empowered to contribute, lead and shape the future of an evolving industry.

As the BFSI ecosystem continues to transform, we remain committed to strengthening inclusion, expanding opportunities and creating an environment where diverse perspectives can make a meaningful impact.

We're proud to share that TransUnion CIBIL has been recognized by Avtar & Seramount as “One of the 2026 Best Companies f...
27/09/2026

We're proud to share that TransUnion CIBIL has been recognized by Avtar & Seramount as “One of the 2026 Best Companies for Women in India” and “One of the 2026 Best Companies for Women in India – BFSI” for the second time in a row.

This recognition reflects our continued focus on building a workplace where women are empowered to contribute, lead and shape the future of an evolving industry.

As the BFSI ecosystem continues to transform, we remain committed to strengthening inclusion, expanding opportunities and creating an environment where diverse perspectives can make a meaningful impact.

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One World Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Elphinstone Road
Mumbai
400013

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