What is the role played by Cibil ?

Cibil is a repository of information that collects and maintains the data provided by banks, where individual have or had loans in the past. It has information about individual past and present repayment history and the status of individual loan accounts, personal information such as individual identity information, employment history, contact information, etc. It also keeps track of all the enquiries that individual has made for credit from various banks and financial institutions.

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