Transunioncibil

TransUnion CIBIL Limited — CreditVision Trended Data — 36 months of month-by-month credit-account behaviour (not point-in-time scores) across Indian consumer and commercial lending, exposed as 3,000+ attributes per consumer: balance and utilisation trajectories, payment ratios, prepayment behaviour, enquiry patterns, leverage/financial-stress indices, and derived behavioural cohorts (PROFILES). This is a full panel dataset — the same entities tracked longitudinally across the entire formal Indian credit market — which is the scarce asset, not any single score.. Large and institutional: ~1,000…

Transunioncibil offers (Fundamental, Alternative, Reference) — ~2.4 trillion attribute-months at full coverage (800M covered entities × 3,000 attributes × 36 months, per the product sheet's own dimensions). More realistically, the licensable slice is a few hundred million tracked entities × 36 monthly balance/behaviour vectors, i.e. tens of billions of account-month observations.

Training and backtesting default, delinquency and early-warning models on a genuinely longitudinal panel rather than cross-sectional snapshots; BNPL and thin-file underwriting model development for Indian consumers; behavioural segmentation and customer-lifetime-value models; credit-demand and intent modelling from enquiry data; stress-and-financial-health index construction; macro credit-cycle and regional consumption-credit research; validation of alternative-data credit scores against bureau ground truth

The data is with 10 years of history.

Coverage spans APAC, US; Financial Exchanges & Data; fundamental, alternative, reference; equities, fixed_income.