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Case Code: CLFIN004
Case Length: 5 pages 
Period: -  
Pub Date: 2016
Teaching Note: Not Available
Subject : Finance
Organization :Credit Information Bureau of India Limited (CIBIL)
Industry :Financial Services
Countries : -

CIBIL-Creating New Dimensions in Credit Information Services



The Credit Information Bureau of India Limited (CIBIL) was founded in the year 2001 with the objective of improving the accuracy of the credit approval process of banks and financial institutions. After its establishment, a number of financial institutions became members of CIBIL. Also, the Credit Information Reports provided by CIBIL reduced delinquency rates. This case study focuses on how CIBIL has been helpful to banks and other financial institutions, and provides the scope for a discussion and debate on whether CIBIL can help in providing customer information in other sectors such as telecom and insurance.
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  • To discuss the scope and objectives of CIBIL.
  • To understand the mechanism and working of CIBIL.
  • To discuss the challenges and opportunities facing CIBIL.
On June 26, 2015, the Credit Information Bureau of India Limited (CIBIL) released a trend report on approvals of home loans and credit card accounts in the country for the fiscal year 2015-16. According to the report, around 0.35 million home loans and around 1.08 million credit card accounts had been approved by banks and other financial institutions during the first quarter of the fiscal year. Addressing a media conference, Harshala Chandorkar (Harshala), Vice-President, Customer Relations, CIBIL, said financial institutions had been able to successfully meet the increasing demand for home loans and credit credits with the support of the Credit Information Services provided by CIBIL......


CIBIL,Credit Information Services,Home Loans,Credit Cards,Delinquency Rates,Non-Performing Assets

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