Mumbai: TransUnion CIBIL, India’s leading credit information and insights provider, has introduced CreditVision CIBIL Commercial Rank (CV CMR) – an advanced risk assessment model designed to strengthen India’s commercial lending landscape.
Built on the proven CreditVision framework, the CreditVision CIBIL Commercial Rank brings sharper credit insights, broader borrower coverage, and increased precision in evaluating commercial creditworthiness.
CV CMR expands the observation window from 24 to 36 months, offering lenders a more holistic view of borrower behavior.
The model improves portfolio credit quality assessment and widens the rank-eligible base by 12%, enabling financial institutions to evaluate more businesses, including previously unranked MSMEs.
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“India’s MSME sector, with over 7 crore enterprises, is a key driver of economic growth,” said Bhavesh Jain, MD & CEO, TransUnion CIBIL. “CV CMR provides banks and NBFCs with actionable intelligence to lend more confidently, enhancing access to credit and fostering inclusive economic development.”
According to TransUnion CIBIL’s performance benchmarks:
- 90% of borrowers remain within ±1 rank over three months, indicating strong model stability
- Default rates vary sharply across ranks, from 0.9% (CMR-1) to 98.3% (CMR-10), showcasing excellent risk differentiation
- Over 73% of commercial borrowers fall within lender-preferred ranks, improving credit approval ratios
- CV CMR increases sourcing funnel by 5–7% in the top three ranks (CMR-1 to CMR-3)
CreditVision CIBIL Commercial Rank: Enabling Smarter Lending at Scale
CV CMR segments commercial borrowers using industry best practices, supports fully digital lending journeys, and enables data-driven decisions.
With 94 lakh active commercial borrowers – a 1.5X growth since 2020 – India’s MSME credit market is thriving, fueled by initiatives like PMMY, CGTMSE, TReDS, ONDC, OCEN, and GeM.
“The enhanced CV CMR model improves credit decision speed and quality,” said Rajiv Sabharwal, MD & CEO, Tata Capital Limited. “It’s an important step towards strengthening responsible credit growth.”
“With CV CMR’s longer credit window, we can widen our credit reach to underserved small businesses,” added Ravinder Singh, MD, SVC Co-operative Bank.
“CMR has helped streamline our credit frameworks. CV CMR will enhance model accuracy and reduce subjectivity even further,” noted Sanjay Agarwal, CEO, Ambit Finvest.
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The CreditVision CIBIL Commercial Rank 10-point system (CMR-1 to CMR-10) is based on empirical 90+ DPD default rates. CMR-1 denotes the least risky borrowers, while CMR-10 represents the highest default probability, helping lenders make more targeted and risk-adjusted decisions.
As the MSME ecosystem grows, CreditVision CIBIL Commercial Rank is set to play a pivotal role in catalyzing safe and inclusive commercial credit expansion across India.
