CreditVision Trended Data

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.

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Coverage

Universe, instruments and categories.

Industry: Financial Exchanges & Data
Instruments: equitiesfixed_income
Categories: FundamentalAlternative

Dataset card

Type: not stated
Format: Tabular — 36 monthly observation periods × 3,000+ attributes per consumer, delivered both online (per-query API) and batch (bulk file), with derived index/segment fields on 1-to-5 ordinal scales and mini-model outputs
Volume: ~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
Users: CIBIL's covered population is ~800M+ Indian consumers and commercial entities on the bureau register (India CIC scale, inferred from CIBIL's position as one of four RBI-licensed bureaus covering essentially the whole formal credit market). Its paying data customers number in the thousands — banks, NBFCs, NBFC-MFIs and fintechs subscribing under permitted-purpose rules
History: 10 years
Update frequency: not stated
Growth: Mature and compounding — trended-data and mini-model products are the current push (moving buyers from static scores to panels), and the underlying asset grows automatically each month as every subscribed lender reports new account behaviour
Launched: CIBIL itself 2008 (operational as India's first credit bureau; predecessor CIBIL registry from 1995); TransUnion control from the 2016-2017 acquisition; CreditVision scoring ~2018-2019 and the CreditVision trended-data suite a further 2020-2022 layer on top
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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