Self- Help Group Credit Information Report (SHG CIR)

SHG lending has scaled rapidly as a key driver of financial inclusion, but credit decisioning continues to rely on fragmented data, manual assessments, and self-reported information. This limits visibility into total group exposure, member-level leverage, and early signs of risk.

SHG CIR enables lenders to move to standardized, data-driven decisioning by providing a consolidated view of SHG-level exposure. This helps uncover hidden borrower risk, improve underwriting quality, and strengthen portfolio oversight.

Built on TransUnion CIBIL’s bureau data, SHG CIR provides a unified view of credit activity across lenders, enabling more consistent, objective, and scalable SHG lending decisions.