CIBIL’s Consumer Bureau banks upon its vast and dynamic information repository of the India market to provide its members with comprehensive risk management tools pertaining to individual borrowers. The objective is to minimise defaults and maximise credit penetration and portfolio quality. The software for the Consumer Credit Bureau is developed and licensed by TransUnion, one of the largest consumer credit bureaus in the world and CIBIL’s equity and technical partner.

CIBIL’s risk management offerings assist and empower its members to make objective decisions at every stage of the customer lifecycle- Acquisition, Portfolio management, Collections etc.

  Consumer Credit Information Report (CIR)
  Portfolio Review Report
  CIBIL TransUnion Score
  CIBIL TransUnion Personal Loan Score
  Bureau Credit Characteristics (BCC)
  CIBIL Market Insights
  CIBIL Locate Plus

This is CIBIL’s core offering based on the vast information database pertaining to individual borrowers. Consumer Credit Information Report (CIR) is a vital tool used by credit grantors at the time of new customer acquisitions. CIRs provide factual information on credit histories of borrowers enabling institutions to make objective lending decisions. With CIBIL Consumer CIRs credit grantors are equipped to identify risk areas, disburse credit faster and with greater efficiency and grow business profitability.

Portfolio Review Report is an extremely effective tool for credit grantors to review the risk associated with their existing portfolio of customers. The report provides the credit grantor with a comprehensive view of their borrower’s credit relationships across multiple lenders. Lenders can enhance their portfolio returns through effective risk monitoring and management and through identification of loyal relationships - thus turning their customer base into profit engines.

The CIBIL TransUnion Score is India’s first generic score and has become the most trusted indicator for prudent decision making by credit grantors.With the CIBIL TransUnion Score, the credit grantor can effectively predict the likelihood of an applicant becoming more than 91 days delinquent on one or more tradelines over the subsequent 12 months.

The CIBIL TransUnion Personal Loan Score is the first and only score for the Indian market to predict the likelihood of an applicant or customer becoming more than 91 days delinquent on a personal or consumer loan over the next 12 months. This score is the result of collaboration between Credit Information Bureau (India) Limited (CIBIL) and TransUnion, a trusted global leader in analytic and decision services.

Bureau Credit Characteristics is a list of predefined characteristics that summarize various aspects of a customer’s credit information. The set comprises 258 credit characteristics which can be used for model development, data analysis, customer profiling, migration analysis and a variety of other account management analyses.

These reports are designed to provide an overview of the credit market basis geographic, demographic and behavioral borrowing trends. By profiling their customer base across various dimensions, benchmarking their performance with the market and identifying their strengths and weaknesses organizations can take proactive corrective decisions and enhance business growth.

One of the challenges lenders may face is keeping updated and accurate contact details on all of their customers. CIBIL Locate Plus leverages CIBIL’s vast and comprehensive information repository to provide you with comprehensive contact information on your customers in a faster and more cost effective fashion.

We at CIBIL, being your partners in risk management, constantly endeavor to bring new solutions to cater to the market need and customize existing offerings to suit your requirements.