வங்கி, நிதி நிறுவனங்களில் , முதல்முறையாக கடன் கேட்டு விண்ணப்பிப்போருக்கு சிபில் ஸ்கோர் கட்டாயம் அல்ல
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO-4122
ANSWERED ON MONDAY,AUGUST 18, 2025/SRAVANA 27,1947 (SAKA)
STATUS AND RECOGNITION OF CIBIL SCORE
4122. KM. SUDHA R:
Will the Minister of FINANCE be pleased to state:-
(a) the legal status and recognition of CIBIL, score;
(b) whether the Government has authorised any organisation to prepare CIBII. and paid any fees
to such organisation and if so, the details thereof;
(c) whether any weightage is given to CIBII. scores by public sector banks while lending home
loan, gold loan and farm loan;
(d) whether the Government plans to have its own agency replacing CIBIL, to do due diligence
before lending loans; and
(e) whether the Government plans to remove CIBII. scores as mandatory requirement for home loans and gold loans from private and scheduled banks and if so, the details thereof and if not,the reasons there for?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a): TransUnion CIBIL. Limited, which was formerly Credit Information Bureau (India) Limited and referred to as "CIBII" is one of the credit information companies (CICs). Credit Information Companies function under the extant framework of Credit Information Companies(Regulation) Act, 2005 (CICRA), and the rules and regulations made thereunder.
As per the functions enabled according to provisions in sub-section 1(c) of Section 14 of CICRA,credit information companies provide credit scoring to its specified users or specified users of any other credit information company or to other credit information companies being its members.CICs generate Credit Information Report (CIR) of a borrower which also includes the credit score (for e.g., CIBII, score as generated by TransUnion CIBIL. Ltd).
(): Reserve Bank of India (RBI) has granted Certificate of Registration (CoR) under Section 5 of CICRA to four Credit Information Companies (CICs) for carrying on the business of Credit Information in India, as mentioned below:
■ TransUnion CIBIL Ltd.
Equifax Credit Information Services Pvt Ltd.
Experian Credit Information Company of India Pvt L.td.
CRIF High Mark Credit Information Services Pvt Ltd.
கருத்துகள் இல்லை:
கருத்துரையிடுக
குறிப்பு: இந்த வலைப்பதிவின் உறுப்பினர் மட்டுமே ஒரு கருத்துரையை வெளியிடக்கூடும்.