TransUnion CIBIL Limited (formerly Credit Information Bureau (India) Limited) was incorporated based on recommendations made by the RBI Siddiqui Committee.

Credit bureau services are launched in India (Consumer Bureau).

Commercial bureau operations commenced.

CIBIL Score, India’s first generic risk scoring model for banks and financial institutions, was introduced.

Empowering Consumers- Direct access to CIBIL Report and Score through online and offline mode made available to consumers

TransUnion acquired a 92.1% stake in CIBIL.

CreditVision is launched to expand the eligible consumer base and drive access to finance for many more deserving consumers.

Free Annual Credit Report (FACR) is made available to individual consumers

CIBIL MSME Rank (CMR) to assess the credit risk ranking of Micro, Small and Medium Enterprises (MSMEs) is introduced.

SIDBI and TransUnion CIBIL launch “MSME Pulse” – India’s largest study based on over 5 million active MSMEs.

TransUnion CIBIL Credit Market Indicator launched to chart health of India’s Retail Lending Market

CreditVision® New to Credit Score launched to help assess first time retail loan borrowers in an objective manner.

Launched MFI Score based on Joint Liability Group undertakings, to facilitate digital and centralized underwriting and drive financial inclusion.

Microfinance lending solutions strengthened further by introducing MFI Portfolio Management services.

API Marketplace services launched to enhance digital lending practices.

CreditVision® New to Credit Score 2.0 launched, enhancing the risk assessment framework.

Launched CreditVision® CIBIL Commercial Rank

Celebrated 25th anniversary by elevating the 15th TransUnion CIBIL Credit Conference into a defining industry event, graced by stalwarts and thought leaders from across the credit landscape.

Launched Grameen Score, a credit score tailored for semi-urban and rural borrowers, supporting financial inclusion and expanding credit access for underserved segments.

Transitioned to a new Global Dispute Platform (GDP) replacing the legacy Dispute Resolution System (DRS) to deliver enhanced dispute management, greater transparency, improved operational efficiency, and a superior member experience.

Enhanced Commercial Credit Information Report made available to the industry incorporating insights and data that are fresher and richer helping identify intra-month behavioral trends as well.

CreditVision® Algorithms use cases extended to help assess gold loan lending, identifying early stress signals in commercial lending

Introduced Microfinance CreditVision® Algorithms trended credit behavioural attributes based on microfinance loans

Introduced Enhanced CreditVision® Score, an enhanced credit scoring model that delivers stronger risk assessment, earlier behavioral insights, and improved lending decision-making.

Enhanced Consumer Credit Information Report made available to the industry incorporating insights and data that are fresher and richer helping identify intra-month behavioral trends as well.

Introduced SHG Credit Information Report specifically catering to the Self Help Group universe thereby strengthening the microfinance lending practices.

Introduced TruIQ Analytics Studio, an analytics platform that combines member and bureau data to support the development of credit risk models and scorecards.

Launched CIBIL Score Premium Duo and CIBIL Rank (CMR) Premium Duo, enabling two consumers or business users to access premium credit monitoring benefits through a single shared subscription.

Launched direct-to-consumer sachet offerings starting at ₹49, enabling affordable access to CIBIL Alerts and Score Simulator services to help consumers monitor and manage their credit health.