The commercial credit information report is the most familiar answer to “how do I get credit data on an Indian company”, and for a large class of questions it is the right one. This page describes what it is, from public material, and where a rating-derived lender index sits relative to it.
Product pages change — if something here is out of date, tell us.
The short answer
If you need to know whether a named company has been paying its lenders, get a bureau report — nothing here replaces it.
If you need to know which rated borrowers a given bank is named on, a per-company report does not answer that at any volume, because the query runs the wrong way round.
One is a vertical read on a company; the other is a horizontal read across a lender.
Side by side
Read the bureau column as “what the public material describes”, not “what the product does”. Both transunioncibil.com and cibil.com return an access error to automated retrieval, so the column below is assembled from indexed public pages and from CICRA, not from the gated product itself. It is not a claim about what a bureau report contains beyond its published description.
| Attribute | CIBIL commercial report | TatvaRatings |
|---|---|---|
| Unit of query | One named company, report out | A lender, a sector, or a company |
| Universe | Companies with reported credit facilities, rated or not | Rated borrowers only — 45,528 |
| Source | Lender submissions to the bureau | Public rating press releases from seven agencies |
| Contains repayment behaviour | Yes | No |
| Contains a score or rank | Yes — CIBIL Rank, Experian Business Rank | No. No score of our own |
| Access | Specified users / member institutions under CICRA | By commercial agreement; source documents are public disclosures |
| Amounts | As reported by lenders | Sanctioned limits as at the rating action date |
What TatvaRatings holds
TatvaRatings corpus as at 30 August 2026. Earliest rating action May 2019. 46.2% of rating actions carry a lender-wise annexure, so every count is a floor, not a total.
What the product is
TransUnion CIBIL’s commercial offering is a report on a named company, marketed as an Enhanced Commercial Credit Information Report or Company Credit Report, alongside CIBIL Rank, a mark on a 1 to 10 scale. (TransUnion CIBIL product page, cibil.com company credit report)
A retrieval caveat, stated because it affects how much weight this page can carry. Both transunioncibil.com and cibil.com return an access error to automated retrieval, so their page structure and current copy are unverified here. The product shape above comes from indexed public pages. We do not quote a price: the figures in third-party commentary are not from CIBIL’s own page and we have not been able to confirm them. Get pricing from CIBIL directly.
CIBIL is not the only provider in the category. Experian India publishes Commercial Credit Information Reports and the Experian Business Rank on a 1 to 10 scale, and states that it provides access to credit information reports to its member institutions. (Experian commercial bureau, Experian commercial reports)
CRIF High Mark operates in the same category under an RBI licence.
The category shape, and why it matters
Commercial bureau reports share a structure, and it is not an accident of product design. It follows from the regime they sit in.
They are entity-in, report-out. You supply a company name and receive a report about that company. That is the unit of sale and the unit of the query.
Access is governed by statute. Credit information companies operate under the Credit Information Companies (Regulation) Act, 2005. Section 17(4) confines disclosure of credit information to specified users. Membership and specified-user status, not a subscription decision, determine who may obtain a report. That is a legal regime operated by the bureaus and their regulator, and it is worth understanding on its own terms before assuming any alternative addresses it.
What they carry that nothing else does. A commercial bureau report is built from lender submissions. It reflects actual credit behaviour — facility-level performance, days past due, defaults — on companies whether or not they are rated. Nothing built from public rating disclosures has any equivalent, and nothing on this site is a substitute for it.
What TatvaRatings is
A different source, answering a different question.
TatvaRatings parses publicly published credit rating press releases from seven SEBI-registered credit rating agencies into structured records — borrowers, rating actions, rated facilities, key financials, rating drivers, and the lender-wise annexure naming the bank behind each rated bank facility — and indexes that annexure from the lender’s side.
The query it is organised around is: which rated borrowers name this bank on a facility?
A worked reading of the figures above: SBI appears in 5,476 borrower annexures as at 30 August 2026 — a floor, not a total.
The source documents are public because SEBI requires each rating agency to publish an issuer-specific press release for every rating action and to archive those disclosures on its own website for at least ten years. Sources and the rights position →
What TatvaRatings does not do
- No repayment behaviour, no days-past-due, no default history as reported by lenders. That is bureau data and it is not in public rating disclosure.
- No unrated companies. Most Indian companies have never been rated.
- Only 46.2% of rating actions carry a lender-wise annexure, since disclosure depends on borrower consent, and the share ranges from 92.0% at Acuité to 0.0% at India Ratings. Every count is a floor, not a total.
- Sanctioned, not outstanding. And a periodic, broadly annual review cycle means a typical record is a year or more old — an annexure is a dated snapshot, not a feed.
- No score, no rank, no credit opinion of our own.
- Not a system of record. It should not be relied on for regulatory reporting, capital computation, or any determination where completeness is a requirement.
Using both
These are not competing answers to one question. If you need to know whether a named company has been paying its lenders, get a bureau report — nothing here replaces it. If you need to know which rated borrowers a given bank is named on, a per-company report does not answer that at any volume, because the query runs the wrong way round.
The honest description is that one is a vertical read on a company and the other is a horizontal read across a lender.
Common questions
Is TatvaRatings a substitute for a CIBIL commercial report?
No. A commercial bureau report is built from lender submissions and reflects actual credit behaviour — facility-level performance, days past due, defaults — on companies whether or not they are rated. TatvaRatings holds none of that; it indexes the lender-wise annexure of published rating press releases from the lender's side, and its own limits are specified on Data limits. The two answer different questions, as set out on the comparisons hub.
Who can obtain a CIBIL commercial report?
Credit information companies operate under the Credit Information Companies (Regulation) Act, 2005, and section 17(4) confines disclosure of credit information to specified users — so membership and specified-user status, not a subscription decision, determine who may obtain a report. CRIF High Mark operates in the same category under an RBI licence.
Does a CIBIL commercial report show which banks lend to a company?
This page cannot say: both transunioncibil.com and cibil.com return an access error to automated retrieval, so the report is described here only from indexed public pages and from CICRA — their public material, as read here, does not describe the report's contents beyond that published description. For the lender-side question, TatvaRatings indexes the lender-wise annexure of published rating press releases, within the limits on Data limits.
Does TatvaRatings hold repayment history or defaults?
No. No repayment behaviour, no days-past-due, no default history as reported by lenders — that is bureau data and it is not in public rating disclosure. TatvaRatings covers rated borrowers only, and only 46.2% of rating actions carry a lender-wise annexure, so every count is a floor. See Data limits and Coverage.
Related
- All comparisons
- CRIF High Mark — the same category, under an RBI licence
- What CRILC is — the RBI’s supervisory repository, and who may use it
- Data limits · Sources · Talk to us