Preview

cibil

Satisfactory Essays
Open Document
Open Document
565 Words
Grammar
Grammar
Plagiarism
Plagiarism
Writing
Writing
Score
Score
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
Continue Reading
View Writing Issues

You May Also Find These Documents Helpful

  • Best Essays

    Credit Risk Analysis of Cba
    • 3717 Words
    • 15 Pages

    Credit Risk Analysis of Cba

    CBA aims to be the leader in total capital solutions. It introduced the contactless card payment facility and more user-friendly and reliable features in CommBiz to increase banking efficiency.[3] This increased its share of the total business lending market.[4]…

    • 3717 Words
    • 15 Pages
    Best Essays
    Read More
  • Good Essays

    Cicowicz
    • 317 Words
    • 2 Pages

    Cicowicz

    Vincent Cicowicz lived from 1927 through 2006. He was a trumpeter that had a devotion for music so large, it spread his music into northwestern classrooms and even, across the world. Cichowicz was 79 when he died from what “ Genriq, “Genie”, Murphy believes to be colon cancer. He played trumpet for the CSO (Chicago Symphony Orchestra) from 1952 through 1974. Cicowicz was second to fellow trumpeter, Adolph Herseth, who helped Cicowicz get acknowledged for admission into the CSO in 1952. Herseth says it’s Cicowicz’s dedication to music that made him such an outstanding player. In the later 1950s, he joined the faculty at Northwestern. It’s said he made his greatest mark as a professor, When he left the CSO permanently, to commit to teaching in Northwestern in 1974, he remained there until he retired sometime in the 1990s.…

    • 317 Words
    • 2 Pages
    Good Essays
    Read More
  • Powerful Essays

    Giribala
    • 2818 Words
    • 12 Pages

    Giribala

    The red ocean represents the existing market space. Companies in red oceans most often pursuecompetitive-based strategies, aiming to get a bigger share of the market from their competitors - thus the bloody competition - red ocean metaphor. This approach is called the structuralist view of strategy, meaning that companies adapt their behavior (strategy) to the existing industry 's conditions.…

    • 2818 Words
    • 12 Pages
    Powerful Essays
    Read More
  • Powerful Essays

    Balibo
    • 1302 Words
    • 6 Pages

    Balibo

    The murder and concealment of five Australian-based journalists by the Indonesian Armed Forces operating along the border of East Timor, in October 1975, have always caused controversy between the Australian government and Indonesia after their warning over an inquiry into the deaths of the five journalists over 30 years ago. The aim of the investigation is to assess why the Indonesian Armed Force opened fire on the Australian journalists. The investigation will research articles published about the murders, the confessions by former military soldiers that had taken place in the cover-up and a various documentaries explaining the actions of Australia and Indonesia in response to the assassination. A brief history as to why the shooting took place, what the journalists were investigating and what were they doing there will be provided. An analysis will describe the events that had taken place before the time of the journalist’s death to reach a conclusion as to why being a journalist is an occupational hazard in areas of conflict.…

    • 1302 Words
    • 6 Pages
    Powerful Essays
    Read More
  • Good Essays

    Sir David Cimera
    • 1114 Words
    • 5 Pages

    Sir David Cimera

    One of the most influential Enlightenment philosophers John Locke concluded through a number of his essays that humans are born with a “blank slate”. That is, he or she is born free of perception and knowledge of the world and thereby builds his or her identity on the things he or she experiences. Within their selected passages, both Susan Faludi in her “The Naked Citadel” and Jean Twenge in her “An Army of One: Me” discuss the topic of self-formation and how education plays such a major role in that development. As it is commonly expressed, experience is the greatest teacher and our character formation relies on the people, places, and events that we interact with to ultimately shape our lives and who we become.…

    • 1114 Words
    • 5 Pages
    Good Essays
    Read More
  • Good Essays

    Cartagena
    • 1260 Words
    • 6 Pages

    Cartagena

    Much of the early colonial evidence about Indians’ behavior under the influence of alcohol comes from the reports of political officials and priests. The statements lean towards excessive drinking and general indictments of pulque and tepache as the cause of all sins and social problems, including idolatry, rebellion, poverty, illness, violent crime, infidelity, and incest. Spaniards generally thought of a Mediterranean ideal of drinking as being able to “hold” their liquor without losing control of their dignified demeanor and “natural reason.” From the history of Teposcolula, Spanish wine and the movement of non-Indians in the countryside exposed native peasants to certain models of drinking behavior, which at times were rejected. When a…

    • 1260 Words
    • 6 Pages
    Good Essays
    Read More
  • Satisfactory Essays

    Nacerima
    • 359 Words
    • 2 Pages

    Nacerima

    As I was reading this article I could not help but wonder if Thompson was describing a real culture or if this was a work of fiction. I could not understand why this Nacerima society would want to change the environment so much. I was also wondering how a culture that was ancient enough to be studied through the artifacts that were discovered through exploratory digs could possibly be advanced enough to have electronic security systems, erected steel sculptures in the sea, and box-like images that receive transmitted electronic –impulse images. I was at first, picturing an Indian-like tribe. When Thompson explained the significance of the Elibomotua during mating rituals and courtship I thought, “This Elibomutua sounds very similar to a car.” Just then, I had an epiphany. Elibomutua is automobile spelled backwards and Nacerima is American spelled backwards. I then proceeded to reread the article with my newfound knowledge.…

    • 359 Words
    • 2 Pages
    Satisfactory Essays
    Read More
  • Satisfactory Essays

    Cipd Cipd
    • 406 Words
    • 2 Pages

    Cipd Cipd

    |separate Bibliography of sources consulted but not specifically mentioned in preparing each answer (but these should be excluded from the |…

    • 406 Words
    • 2 Pages
    Satisfactory Essays
    Read More
  • Satisfactory Essays

    caonima
    • 433 Words
    • 2 Pages

    caonima

    Unsung Hero Defining the word hero is difficult. The dictionary states that a hero is any person admired for courage, nobility, or exploits, especially in war. For most people, the definition of hero is left to interpretation. Some people believe a hero is an exceptional athlete, but others think it is the local cop that made the news for a job well done. It is all up to the individual who is defining what a hero is. Jan Karski is…

    • 433 Words
    • 2 Pages
    Satisfactory Essays
    Read More
  • Satisfactory Essays

    cindrella
    • 549 Words
    • 3 Pages

    cindrella

    I chose to critique the movie “Cinderella”. The reason I chose this movie is because I have a three year old who always watches Disney princess movies. Cinderella has a wicked step mother and two evil step sisters. Her step mother and step sisters are always bossing her around; telling her to do their laundry, clean all the dishes scrub the floors and make the meals. Cinderella has to be at their beckon call; she never has time for herself. In this fairy tale she has a fairy godmother, the animals who she talks to and of course her prince charming. Cinderella’s fairy tale wouldn’t come true if she didn’t get her happily ever after and marry the prince.…

    • 549 Words
    • 3 Pages
    Satisfactory Essays
    Read More
  • Satisfactory Essays

    White Hair
    • 554 Words
    • 3 Pages

    White Hair

    Oct 8, 2012 - Assess the business impact of credit bureaus' data quality problems for the credit bureaus, for lenders, and for individuals. The data quality ...…

    • 554 Words
    • 3 Pages
    Satisfactory Essays
    Read More
  • Satisfactory Essays

    Celina
    • 578 Words
    • 3 Pages

    Celina

    Dante’s journey was to lead him into the road of salvation because he was contemplating suicide. Dante see what happens to people that commit suicide; they are trees that cannot talk unless pain is inflicted on them. This symbolizes people committing suicide. The trees let a horrific scream when the when they dismembered, it causes them to bleed as well. The reason the souls are trees is that they rejected life, there for they have to be constantly reminded of what they did to their own selves. Dante knew now what he thought before was wrong; that he is supposed to love life; for which is life a privilege, it is not to be taken for granted.…

    • 578 Words
    • 3 Pages
    Satisfactory Essays
    Read More
  • Better Essays

    Global Financial Crisis: U.S, Greek, Pigs
    • 2150 Words
    • 9 Pages

    Global Financial Crisis: U.S, Greek, Pigs

    The turmoil in the international financial markets of advanced economies, that started around mid-2007, has exacerbated substantially since August 2008. The financial market crisis has led to the collapse of major financial institutions and is now beginning to impact the real economy in the advanced economies. As this crisis is unfolding, credit markets appear to be drying up in the developed world India, like most other emerging market economies, has so far, not been seriously affected by the recent financial turmoil in developed economies. The global financial crisis, brewing for a while, really started to show its effects in the middle of 2007 and into 2008. Around the world stock markets have fallen, large financial institutions have collapsed or been bought out, and governments in even the wealthiest nations have had to come up with rescue packages to bail out their financial systems.…

    • 2150 Words
    • 9 Pages
    Better Essays
    Read More
  • Better Essays

    Credit Bureau Essay
    • 1356 Words
    • 6 Pages

    Credit Bureau Essay

    The essential of credit data are represented by the consumers representation based on his or hers borrowing behaviors of repayment over time. Today, the regulation has led to a high automated worldwide firm that collect detailed oriented, complete information and conform with a range of polices that’s in the best interest of the consumer.…

    • 1356 Words
    • 6 Pages
    Better Essays
    Read More
  • Best Essays

    Priority Sector Lending
    • 8027 Words
    • 33 Pages

    Priority Sector Lending

    The need for primary (urban) co-operative bank (PCBs) for providing credit to priority sectors had been examined by the Standing Advisory Committee for PCBs constituted by Reserve bank of India in May 1983. The recommendations of the Committee were…

    • 8027 Words
    • 33 Pages
    Best Essays
    Read More

Related Topics