India vs Global Credit Data: Same Tools, Very Different Reality If you work in risk or credit in India, it’s easy to look at “global best practices” and feel like we’re simply catching up. But that’s only part of the story. For lenders and risk teams comparing Indian credit practices with global markets, the differences […]
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India’s Shift from Collateral-Heavy to Data-Driven Lending: What It Means for Banks, NBFCs and Fintechs For most of India’s banking history, lending started with security, not data. If you walked into a branch, the conversation would quickly turn to: · “What property do you have?” · “Can you bring a guarantor?” · “Do you have […]
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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 for […]
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27 Mar 2026
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