Partnership Momentum Leverage TransUnion CIBIL's collaborations with NPCI International and BHIM Services Limited to deliver credit scores directly through popular payments apps, creating a fast onboarding path for lenders and fintechs to improve borrower awareness and access.

Real Time Scoring Offer lenders faster loan decisions through CIBIL’s real time scoring and risk insights, aligning with strong retail lending growth and increasing penetration in rural and first time borrower segments.

MSME Scoring Promote MSME credit scoring models that analyze GST, banking, and trade data to enable banks and NBFCs to extend credit to small businesses with better risk discrimination and growth potential.

Analytics Platform Capitalize on a mature data and marketing tech stack to provide joint analytics, data integration, and marketing automation solutions, enhancing lender decisioning, customer targeting, and portfolio performance.

Competitive Edge Position TransUnion CIBIL as a leading Indian credit information partner with app integrations to boost credit awareness and become a preferred data infrastructure for lenders seeking unified risk intelligence, differentiating from global rivals.