TRANSUNION CIBIL REPORT
A loan you never took; How PAN fraud is wrecking credit scores in India and what you should do to protect yourself
Indians are facing a new threat: PAN-based loan fraud. Criminals are using stolen PAN details to take out loans without consent. This is damaging credit scores and causing immense stress. Victims must act fast by reporting to lenders, police, and credit bureaus. Prevention through secure data sharing is key to safeguarding financial identity.
Gold loans soar in India, but it’s southern households leading the charge
Gold loans in India have surged fourfold since March 2022, becoming the second-largest retail credit segment. Southern states, led by Tamil Nadu, Andhra Pradesh, and Karnataka, continue to dominate originations, accounting for over half the market. While the south remains the core, emerging regions like Uttar Pradesh are showing significant growth from a lower base.
Gold loan delinquency rates send red signal
Borrowers with more than ₹2.5 lakh outstanding showed a delinquency rate of 1.5% at the end of December, about 2.2x higher than those with lower exposures, the credit information company said in a report. The delinquency rate was higher at 1.9% for those accumulating more than five loans.
Gold Loan: Borrowers with big exposure more prone to default, says TransUnion Cibil report
India’s gold loan market is seeing rising stress as borrowers take larger and multiple loans, pushing up delinquency rates and credit risk, according to TransUnion CIBIL. Nearly half of borrowers now have loans above ₹2.5 lakh—where defaults are over twice as high, often with multiple borrowings. While the segment is growing rapidly, lenders are being urged to look beyond collateral and assess overall borrower debt and repayment capacity more carefully.
Credit penetration among women rise 5-fold to Rs 76 lakh crore between 2017 and 2025
Women borrowers have seen a significant five-fold increase in credit access, reaching Rs 76 lakh crore by 2025. This represents 26% of all credit. Business loans for women have grown substantially, indicating a shift towards income-generating activities. Digital sourcing is also playing a key role in improving access for new-to-credit women borrowers.
As India's MSME sector matures, IDBI Bank's Sumit Phakka says the lending framework must keep pace
India's small businesses are now driving economic growth. New government budgets are boosting MSME financing and support. Digital tools are helping banks understand these businesses better. This shift is enabling more MSMEs to access credit and contribute to 'Make in India' and 'Make for the World' initiatives. Defence and auto components are key growth areas.
- Go To Page 1
Credit borrowing by women at Rs 76 lakh crore; 16 crore active women borrowers: NITI Aayog report
In its report ‘From Borrowers To Builders: Women and India's Evolving Credit Market’, jointly written by Aayog, Transunion CIBIL and Microsave Consulting, the Aayog said despite 36% credit penetration, nearly two-thirds of credit-eligible women (aged 18–64) remain unserved, representing a large untapped segment for inclusion and growth.
In big structural shift, women borrowers become a major driver of credit demand in India
Indian women are significantly increasing their credit access. In 2025, they held 26% of total system credit, a substantial rise from 2017. This growth reflected a structural shift, with women becoming active drivers of credit demand. Digital infrastructure has played a key role in this expansion.
Sharing a credit card? How add-on cards work, who pays & what to watch out for
An add-on credit card is issued against an existing primary credit card account. The primary cardholder remains the account owner and the sanctioned credit limit holder. The secondary user receives a separate physical card, usually with a different card number and PIN, but all transactions are billed to the same account.
Lenders turn risk-averse, focus on high CIBIL score borrowers as gold loans surge in India
Lenders are prioritizing borrowers with strong credit histories and higher loan amounts, leading to a decline in new-to-credit customers. Despite this cautious approach, the overall credit market shows improved health, driven by better asset quality. Gold loans are experiencing significant growth, now dominating retail lending by volume and value.
TransUnion CIBIL can now access your Aadhaar information for verification purposes: Is user consent mandatory?
New government rules now allow TransUnion CIBIL to use Aadhaar authentication for user verification. This enables easier registration and login on the CIBIL platform. Users must give consent for Aadhaar authentication.
New to credit loans dip in Q1 as lenders turn cautious: Report
New-to-credit (NTC) borrowers slowed in Q1FY26, making up 16% of loan originations, down from 18% a year ago, as lenders took a cautious stance, TransUnion Cibil reported. Credit-active consumer growth fell to 9% versus 15% last year, with slight stress in repayments. While youth credit demand declined, semi-urban and rural lending helped overall portfolio growth.
Cibil to help lenders make realistic assessment of crop loans
TransUnion CIBIL, in collaboration with data analytics provider SatSure, has launched the CIBIL Credit and Farm Report (CCFR). This solution will help lenders to improve the flow of credit to the agricultural sector using data oriented and digital credit assessment capabilities. It offers an ecosystem for agricultural financing and policy making besides helping regulators, policy institutions for growth and financial inclusion in the agricultural sector.
TransUnion CIBIL partners with FICCI to help MSMEs
The program's objective is to empower MSMEs with knowledge on how to build a good credit history and CIBIL Rank to avail easier and faster access to finance.
Women more credit conscious than men: Report
With 4.7 crore active woman borrowers, 61% of the women consumers have a credit score greater than 720, whereas only 56% of male consumers have a CIBIL score greater than or equal to 720, according to the latest report by Transunion Cibil.
MSME credit up on Govt guarantee
The highest year-on-year growth of 9% was seen in the category of small businesses with a loan exposure of between Rs 10 lakh to Rs 50 lakh.
Difference between Credit Score and CIBIL
The CIBIL score is a three-digit numeric summary of a consumer's credit history and a reflection of the person's credit profile. One the other hand, CIBIL is a Credit Bureau which maintains the records of all the credit-related activities of companies, individuals.
Sidbi, Transunion Cibil partner to launch portal to help MSMEs
The portal- MSMESaksham- aims to guide MSMEs across their credit lifecycle, from availing credit to start and grow their businesses, to managing credit lines to sustain and build structural strength of the business, as well as ensuring timely closures and renewals of credit facilities.
Home loan asset quality to be better than personal loans: Report
"Asset quality will likely be impacted most for personal loans and credit cards with home loans and auto loans experiencing less of a shift" said a report by credit bureau Transunion Cibil. Based on a historical analysis of consumer payment hierarchy, the TransUnion CIBIL research observed that when norrowers face financial distress, they pay mortgages first, then personal loans, and cards are the last product to be prioritized in terms of payment obligations relative to those other products.
Women getting more credit conscious, also default less than men: Credit bureaus
Women borrowers in the age group 36-50 have risen by 33 per cent since December 2017. While older women have been borrowing at an even more rapid pace as women borrowers in the age group over 50 years have risen 41 per cent, according to a study by credit bureau Crif Highmark. Most preferred loans are unsecured loans, consumer loans and retail loans, according to Transunion Cibil.
Small student loans prone to turn sticky
Small loans, upto Rs 4 lakh, borrowed for studying in middle-ranked institutes, are prone to turning bad.
Small sized education loans more prone to turning bad: Transunion Cibil
The latest TransUnion CIBIL Market Insights Report on Education Loans captures an emerging trend of sharper deterioration in small ticket loans.
Is affordable housing the next power house for credit growth?
Loans meant for affordable housing (ticket size less than Rs 10 lakhs) has shown a robust growth rate of 23% compound annual growth rate in the last five years.
How to improve your chances of getting a loan and credit card
Your CIBIL report and score help banks decide on your loan application. That is why you must check these parameters before applying for a loan.
Responsible credit behaviour is cornerstone of financial freedom
Today we have the freedom and opportunities to access finance for our goals and economic development in the form of loans and credit cards.
ICICI Securities ties up with CIBIL to provide CIBIL TransUnion score
ICICI Securities Ltd today said it has tied up with Credit Information Bureau (India) Ltd (CIBIL) to provide CIBIL TransUnion score.
TransUnion increases stake in Cibil to 55%
The government had increased foreign direct investment in credit information companies, under which a 49 per cent holding was automatically allowed.
Central Bank sells entire stake in CIBIL to Transunion
Central Bank of India has sold its entire stake in credit information provider CIBIL to Transunion International Inc. for an undisclosed amount.
With spiraling bad loans, TransUnion looking to strengthen its holding in Credit Information Bureau of India
TransUnion is looking to strengthen its holding in CIBIL, as mounting bad loans open up opportunity for companies that analyse credit history of borrowers.
Load More
