CIBIL Data – Retail Stress Increases in India

India’s Leading Credit Bureau – CIBIL data reveals that delinquencies across product levels in the retail segment have shown a modest increase but the situation is not alarming. The main segment which is under stress is auto loans, which is driven by CVs as evidenced in the latest results of banks. Credit Card Segment – […]

Consumer Lending DataPoints – CIBIL Analysis

TransUnion CIBIL, a leading credit information bureau, shared some insights on behavioural trends in consumer / business lending in India. TransUnion CIBIL now has records of 400mn customers, of which 185mn customers have access to live retail lending facility. Within this, 85mn customers fall in consumer lending segment and ~100mn in business lending and others […]

Indian Retail Loan Accounts Hit 100 Mn – CIBIL

A recently report by CIBIL provides keen insights into the current state of the consumer loan growth business. Given their access to all market participants (banks and NBFCs). We see this product as well as their ‘MSME pulse’ as one of the most important reports to understand these businesses. Key takeaways from the recently published […]

Top Credit Questions: How Many Credit Cards is Too Many?

As we all know there are many credit card options available in the market which offers great benefits and card offers. It is really hard to turn down the opportunity when an executive calls with a fresh credit card option with great offers and benefits and you also think how hard can it be? To […]

What Should be your Ideal Credit Utilization Ratio ?

Credit Cards are basically instruments introduced to extend per-approved credit line for your spend. While using them one has to be careful about Credit Utilization Ratio and impact on Credit Score. Most of our readers posed me a question on how much Credit can one use on the per-approved credit line of Cards, Personal Loans, […]

CIBIL-Transunion Tracking 525 Million Loan Accounts, Rise of Retail Lending

CIBIL Transunion is India’s Largest credit bureau with with data on 200mn Indian Citizens and 525mn loan accounts in its big data repository. The CIBIL management shared insights on the Rise of Retail Borrowing and Lending. The strong trend in retail loan growth is aided by healthy growth in new account additions for both private […]