Retail Credit Quality Firm + Stress in SME – CIBIL

Mr. Satish Pillai, Chief Operating Officer, CIBIL interacted with Analysts and here is an excerpt from the same. Retail Consumer / Citizens Loan / Credit Status The Retail asset quality has been intact over the past one‐two years in vintage portfolios across all retail products (barring auto loans) and delinquencies are at low levels. Within […]

Citicard – Payment Defaulted, Account Blocked, then Regularized – Impact on CIBIL Score

It is not uncommon for the Indian Youth to opt for a Credit Card as soon as they join the workforce and without realizing the consequences they head towards debt trap. Here is a Case which CardBhai’s Team Counseled and with Prior Written Permission of the Client we are publishing his Case Study so that […]

How is CIBIL Transuinion Credit Score Calculated for Indian Consumers ?

CIBIL is the Largest Credit Bureau in India as on date. In association with Transunion, they’ve been providing CIBIL Transunion Scores to consumers directly since Q2, 2012. Since 2008-09, CIBIL Scores were provided only to financial institutions to help evaluate the consumer. Many of you asked us – How CIBIL Score is Calculated and the […]

What is CIBIL Transunion Score ? Explained

Over the past few years, CIBIL has substantially increased its member base as well as borrower base. The members are banks, NBFCs and housing finance companies who provide borrower data to CIBIL. CIBIL now has 800 members with a database of 135m borrowers and 230 individual consumer loan accounts [20% of Indian Population] We’d like […]