CICRA 2005: Why India Needed It In the first article of this series, we looked at how India moved from relationship-based lending to data-led credit decisions, and how the idea of a credit bureau started taking shape. In the second article, we mapped the key milestones in India’s credit information timeline — from the formation […]
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Key Milestones: India’s Credit Information Timeline In the first article of this series, we looked at why India needed credit bureaus and how CIBIL and CICRA changed the rules of lending. This article goes one step further: it walks through the key milestones that shaped India’s credit information ecosystem — and what each phase means […]
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The Birth of Credit Bureaus in India — How It All Started For most of India’s financial history, borrowing wasn’t about your repayment behaviour — it was about who you were. Banks relied heavily on collateral, personal references, and branch-level judgement. A solid business or hardworking salaried professional could still be denied a loan simply […]
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