Consumer, Commercial, Microfinance Institution Credit Information

All the credit Information you need to enable informed decision

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Credit Information - Credit Score & Report

Know more about applicant before approving a loan using CRIF's comprehensive credit bureau reports and manage risks early. The reports come with a Credit Score, a statistical score in the RBI recommended range of 300-900, which enables automating decisions. The credit bureau reports are available for

Consumer
Commercial
Microfinance

Consumer Credit Report and Score

  • Comprehensive Consumer Credit Insights
  • Inclusive Data Coverage and Analysis
  • High Acceptance Rate for Data
  • Real-time Access to Credit Information
  • PERFORM Score Enhances Decision-making

Comprehensive Consumer Credit Insights

CRIF High Mark's Consumer Credit Report offers a comprehensive 360-degree view of an individual's credit history. It derives insights from over a billion data records sourced from banks, NBFCs, HFCs, Microfinance institutions, Cooperative and Rural banks across India.

Inclusive Data Coverage and Analysis

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High Acceptance Rate for Data

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Real-time Access to Credit Information

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PERFORM Score Enhances Decision-making

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Commercial Credit Report and Score

CRIF High Mark's Commercial Credit Report is a comprehensive document providing credit history of all borrowings of a business entity such as a public limited company, private limited company, partnership firm, proprietorships etc. The borrowings could be term loans, working capital finance, overdrafts, non-funded facilities etc taken from banks, NBFCs and other lenders.

The Significance of Commercial Credit Scores

CRIF's Commercial credit Report provides a numerical overview of the commercial borrower's profile through Commercial Credit Score, a first in India.

CRIF's Commercial credit Report provides a numerical overview of the commercial borrower's profile through Commercial Credit Score, a first in India.

Commercial Credit Reports in Real-Time

Our Commercial Credit Reports are available as a real-time service to our member institutions through either our member portal (HUB) or an API.

CRIF's Commercial credit Report provides a numerical overview of the commercial borrower's profile through Commercial Credit Score, a first in India.

Unique Borrower Identification and Data Retrieval

Whenever you inquire, we carry out a combination of robust and fuzzy search algorithms on the commercial entity against millions of records

CRIF's Commercial credit Report provides a numerical overview of the commercial borrower's profile through Commercial Credit Score, a first in India.

Microfinance Credit Report

Cutting-Edge MFI Credit Report

Our third-generation MFI Credit Report, introduced in March 2011, offers comprehensive insights into individual group loans from MFIs, NBFCs, and Banks.

User-Friendly Presentation

The report simplifies data by listing loans by lender name and providing a concise summary, facilitating industry code of conduct compliance without the need for exhaustive review.

Timely and Comprehensive Data

Thanks to weekly data sharing with leading lenders, our MFI Credit Report remains current, boasting high data acceptance rates and a shorter refresh cycle.

World's Largest Microfinance Database

CRIF High Mark is the pioneer behind India's first Microfinance database, now the world's largest, encompassing data on over 80 million borrowers.

Advanced Identity Resolution

Our Microfinance Credit Reports leverage our acclaimed Identity Resolution engine, known for its unique searching and matching algorithms, ensuring precise reports with an industry-leading hit rate.

Instant Access

Accessible via our Member Portal (HUB), users can obtain single reports or batches. The preferred choice for many leading institutions is real-time API access, enabling instant decisions even for this customer segment.

Portfolio Review

Efficient management of the loan portfolio and the credit function is critical to the well-being and soundness of a bank’s business. Reviewing the risks associated with your existing portfolio of customers enables better account and risk management, and improved trend monitoring.
Portfolio Review is the process by which risks that are intrinsic in the credit process can be overseen and controlled. The Portfolio Review Report, also termed as off-line batch monitoring, provides a comprehensive view of borrowers’ credit relationships across multiple lenders. This provides you with an opportunity to deepen your portfolio execution, extend relationships with key clients and improve business returns.
Historically, Portfolio Review has also been used to understand the institution’s aggregate credit risk, improve returns on those risks and identify cross-sell and up-sell opportunities through an off-us and on-us analysis.

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