TransUnion CIBIL Limited is a credit information company operating in India.

[2][3] Trans Union CIBIL aggregates consumer borrowing and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate).

[7] TransUnion CIBIL aggregates business financial and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate.

If your CIBIL score is low, it becomes significantly harder to obtain any type of loan.

To achieve a good CIBIL score, it is crucial to pay your EMIs and credit card bills on time.