Become a TransUnion CIBIL Member

TransUnion CIBIL Limited (Formally known as Credit Information Bureau (India) Limited) is a Credit Information Company (CIC) founded in August 2000, which played a critical role in India’s financial system post Inception. The use of CIBIL’s products & Services have led to a massive change in the way the Credit Life Cycle is managed, when it comes to assisting the loan providers to manage their business or the consumers to secure credit at a faster pace and at better terms. If you are a credit institution. 

Membership Types:

membership types

Specified user as per CICRA

As per CICA guidelines Clause every credit institution registered RBI is mandated to become a member of all Credit Information Companies

Sr. No Specified user (Member) as per CICRA Type Governing Act / To be registered with
1.1. Credit Institution
  • New bank
  • State Bank of India
  • Subsidiary bank
  • Co-operative bank
  • National bank
  • Regional Rural bank (RRB)
Reserve Bank of India
1.2. Credit Institution Non company -banking financial (NBFC) Reserve Bank of India Act
1.3. Credit Institution Public financial institution Companies Act
1.4. Credit Institution Financial corporation established by a state State Financial Corporation Act
1.5. Credit Institution Housing Finance Institution National Housing Bank Act
1.6. Credit Institution Credit Card companies -
2. Insurance company -
  • Insurance Act , 1938 (4 of 1938)
  • Registered with Insurance Regulatory and Development Authority
3. Cellular or phone services Company - Registered with Telecom Regulatory Authority of India
4. Stock broker -
  • Securities and Exchange Board of India (Stock Brokers and Sub-Brokers) Regulations 1992
  • Registered under section 12 of the Securities and Exchange Board of India Act, 1992 (15 of 1992)
5. Trading member - Registered with recognized commodity exchange

Membership documents eligibility and submission requirements – Credit Institution/SU

Constitutional documents requirement:

  • RBI License/Regulatory proof of member
  • Certificate of Incorporation
  • Company PAN Card
  • GST Certificate/ GST Declaration/ CIN

    Membership related documents to be submitted post eligibility checks.

Membership Pricing:

Category Amount(INR) GST @ 18% (INR) Total(INR)
Membership Fee 10,000 1,800 11,800
Annual Fee 5,000 900 5,900
Total(INR) 15,000 2,700 17,700

Payment Details:

  • Payee – Name: Transunion CIBIL Limited
  • Bank: HDFC Bank Limited
  • Account No 00602050002971
  • IFSC HDFC0000060
  • MICR 400240015
  • Branch Fort​

You can conveniently pay through –

Net Banking    Debit / Credit card       UPI

If you fall under any of the above categories, please initiate the membership process by sharing your contact details through Contact us or call us on 022– 62358100 between 9:30 AM to 6:30 PM (IST) – Monday to Saturday, Excluding 2nd & 4th Saturday and public holidays

You can also courier us the physical copies to: Transunion CIBIL Membership Team, TransUnion CIBIL Limited, One World Center, 19th Floor, Tower 2A, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013.

Membership fee and annual fee payment to be made by cheque/demand draft to be issued in favour of “TransUnion CIBIL Limited”

Benefits of TransUnion CIBIL Membership:

  • Regulatory Compliance - Becoming a member of a credit information bureau ensures your organization’s compliance with the Credit Information Companies (Regulation) Act 2005. The Act stipulates all credit institutions, including NBFC’s, banks and other financial institutions, should be a member of a Credit Information Bureau.
  • Objective credit decisions – Shifting from relationship-based to information-based lending equips lenders to provide terms best-suited to a consumer’s payment track record and ability to take on additional leverage — while mitigating the consequences of adverse selection.
  • Faster credit decisions – Enhances a credit institution’s ability to expand while maintaining credit portfolio quality.
  • Speed and cost – Use of TransUnion CIBIL CIRs helps make home loan processing faster and cheaper by eliminating the need to research and verify borrower details. This results in improved profit margins.
  • Differential pricing – Members can distinguish good borrowers and defaulters. In an increasingly commoditized credit market, credit grantors will be able to use price in order to differentiate their loan products.

Become a member today to take advantage of valuable, data-driven credit information that can prove extremely beneficial to your day-to-day lending practices and strategic decisioning.

Contact us:

If you have any further queries to complete your membership onboarding, please contact us on 022– 62358100 between 9:30 AM to 6:30 PM (IST) – Monday to Saturday, Excluding 2nd & 4th Saturday and public holidays. You can also write to us by clicking on Contact us.

Contact Us

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