About Us
Financial Clarity Starts Here
Welcome to CIBIL99, India’s trusted B2B credit insight platform built exclusively for DSAs, Bankers, and Loan Professionals working across all segments of the lending ecosystem. We help financial intermediaries access instant, accurate, and compliant credit reports of their customers—with consent—so they can make faster, smarter, and more responsible lending decisions.
At CIBIL99, we bridge the gap between hard work and success for professionals in the loan industry. Every lookup empowers our users to assess customer eligibility with confidence and precision—without impacting the customer’s credit score.
Full Form of CIBIL99
CIBIL99 stands for Customer Information Bridge – Instant Lookup @ ₹99. Our name reflects our core purpose — creating a transparent bridge between loan professionals and genuine credit information at an affordable price point.
Who We Are
CIBIL99 is an independent, professional lookup platform, not a Credit Information Company (CIC) or a bureau. We are a technology-driven B2B service that enables DSAs, bankers, NBFC agents, and other loan professionals to fetch their customer’s credit reports instantly for loan evaluation purposes only, and that too with customer consent and presence.
Our platform supports multiple loan types — Personal, Business, Home, Car, Two-Wheeler, Education, Loan Against Property, and more. We serve pan-India professionals who deal daily with customer files and need reliable credit insights before submitting applications to lenders.
What We Do
At CIBIL99, we provide instant credit reports that mirror bureau data — with no modifications, alterations, or third-party interference. Each report offers complete financial clarity, including:
- ✔ Credit Score
- ✔ DPDs (Days Past Due) and repayment patterns
- ✔ Existing and closed loan details
- ✔ Loan history and latest bounces
- ✔ Lender names and active EMIs
- ✔ Enquiry count and timeline
By accessing this information, loan professionals can instantly evaluate where a customer’s profile fits best, which lender’s policy aligns with their credit health, and whether the file is worth logging in — all without generating a hard enquiry on the customer’s credit history.
Our platform allows users to save time, avoid rejections due to unnecessary enquiries, and improve customer experience — all while maintaining complete compliance and transparency.
Our Vision
To become India’s most reliable and transparent credit insight partner for financial intermediaries, helping them make accurate pre-screening decisions that benefit both customers and lenders.
We envision a lending ecosystem where every decision is data-backed, compliant, and ethical — leading to smoother approvals, stronger relationships, and a healthier credit environment.
Our Mission
We empower DSAs, bankers, and financial professionals with the right tools to make informed decisions. We aim to:
- ✔ Simplify access to authentic credit information
- ✔ Promote responsible lending and transparency
- ✔ Reduce unnecessary enquiries that hurt customer scores
- ✔ Enable professionals to grow through smarter, data-driven decisions
Our Commitment
- ✔ Every report fetched by user with customer consent and in their presence
- ✔ Reports are used only for genuine loan assessment purposes
- ✔ Customer and user data are never shared, sold, or misused
- ✔ Users follow ethical practices while using the platform
- ✔ Transparency remains our guiding principle in every process
Tagline
Financial Clarity Starts Here.
With CIBIL99, every lookup is more than just a report — it’s a step toward responsible lending, customer trust, and professional growth. We’re not just simplifying access to credit data; we’re redefining how India’s loan ecosystem works — making it faster, safer, and smarter.