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{{Short description|Indian credit bureau}}
{{Use dmy dates|date=November 2018}}
{{Use dmy dates|date=November 2018}}
{{Use Indian English|date=November 2018}}
{{Use Indian English|date=November 2018}}
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| name = TransUnion CIBIL Limited
| name = TransUnion CIBIL Limited
| logo = [[File:TU.png|250px|TU]]
| logo = [[File:TU.png|250px|TU]]
| logo_size =
| logo_size =
| logo_alt =
| logo_alt =
| logo_caption =
| logo_caption =
| logo_padding =
| logo_padding =
| image =
| image =
| image_size =
| image_size =
| image_alt =
| image_alt =
| image_caption =
| image_caption =
| trading_name =
| trading_name =
| former_name =
| former_name = Credit Information Bureau (India) Limited
| type = Credit Information Company
| type = Credit Information Company
| traded_as =
| traded_as =
| ISIN =
| ISIN =
| industry =
| industry =
| fate =
| fate =
| successor = <!-- or: | successors = -->
| successor = <!-- or: | successors = -->
| founded = [[Mumbai]], [[Maharashtra]], India ({{start date and age|df=yes|2000|08}})
| founded = [[Mumbai]], [[Maharashtra]], India ({{start date and age|df=yes|2000|08}})
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| defunct = <!-- {{end date|df=yes|YYYY|MM|DD}} -->
| defunct = <!-- {{end date|df=yes|YYYY|MM|DD}} -->
| hq_location = One Indiabulls Centre, Tower 2A-2B,19th Floor, Senapati Bapat Marg, [[Lower Parel]]
| hq_location = One Indiabulls Centre, Tower 2A-2B,19th Floor, Senapati Bapat Marg, [[Lower Parel]]
| hq_location_city = [[Mumbai]], [[Maharashtra]]
| hq_location_city = [[Mumbai]], [[Maharashtra]]
| hq_location_country = India
| hq_location_country = India
| num_locations =
| num_locations =
| num_locations_year = <!-- Year of num_locations data (when known) -->
| num_locations_year = <!-- Year of num_locations data (when known) -->
| area_served = India
| area_served = India
| key_people = Rajesh Kumar <small>([[Managing Director]])</small><ref>{{cite news|title=Rajesh Kumar - CEO/Managing Director, TransUnion CIBIL Ltd|url=https://www.bloomberg.com/profile/person/21566859|accessdate=24 May 2022|publisher=Bloomberg}}</ref>
| key_people = Satish Pillai <small>([[Managing Director]])</small><ref>{{cite news|title=Satish Pillai, new MD & CEO of CIBIL|url=http://www.thehindubusinessline.com/companies/satish-pillai-new-md-ceo-of-cibil/article7403622.ece|accessdate=2 August 2015|publisher=[[Business Line]]|date=9 July 2015}}</ref><ref name="hindustantimes1">{{cite web|url=http://www.hindustantimes.com/Cibil-to-launch-mortgage-default-database/Article1-568987.aspx |title=Cibil to launch mortgage default database |publisher=Hindustan Times |date=2010-07-08 |accessdate=2010-12-08}}{{failed verification|date=August 2015}}</ref><br />M.V.Nair <small>([[Chairman]])</small><ref name="thehindubusinessline2005">{{cite web|url=http://www.thehindubusinessline.com/2005/05/17/stories/2005051700970600.htm |title=SBI, HDFC dilute stake in CIBIL |publisher=The Hindu Business Line |date=2005-05-17 |accessdate=2010-12-08}}</ref>
| brands =
| brands =
| services = Research, Risk and Policy [[Financial adviser|Advisory]]
| services = Research, Risk and Policy [[Financial adviser|Advisory]]
| revenue =
| revenue =
| revenue_year = <!-- Year of revenue data (when known) -->
| revenue_year = <!-- Year of revenue data (when known) -->
| operating_income =
| operating_income =
| income_year = <!-- Year of operating_income data (when known) -->
| income_year = <!-- Year of operating_income data (when known) -->
| net_income = <!-- or: | profit = -->
| net_income = <!-- or: | profit = -->
| net_income_year = <!-- or: | profit_year = --><!-- Year of net_income/profit data (when known) -->
| net_income_year = <!-- or: | profit_year = --><!-- Year of net_income/profit data (when known) -->
| aum = <!-- Only for financial-service companies -->
| aum = <!-- Only for financial-service companies -->
| assets =
| assets =
| assets_year = <!-- Year of assets data (when known) -->
| assets_year = <!-- Year of assets data (when known) -->
| equity =
| equity =
| equity_year = <!-- Year of equity data (when known) -->
| equity_year = <!-- Year of equity data (when known) -->
| owner = <!-- or: | owners = -->
| owner = <!-- or: | owners = -->
| members =
| members =
| members_year = <!-- Year of members data (when known) -->
| members_year = <!-- Year of members data (when known) -->
| num_employees =
| num_employees =
| num_employees_year = <!-- Year of num_employees data (when known) -->
| num_employees_year = <!-- Year of num_employees data (when known) -->
| parent =
| parent =
| divisions =
| divisions =
| subsid =
| subsid =
| module = <!-- Used to embed other templates -->
| module = <!-- Used to embed other templates -->
| ratio = <!-- Basel III ratio, for BANKS ONLY -->
| ratio = <!-- Basel III ratio, for BANKS ONLY -->
| rating = <!-- credit rating, for BANKS ONLY -->
| rating = <!-- credit rating, for BANKS ONLY -->
| footnotes =
| footnotes =
| website = {{URL|https://www.transunioncibil.com/}}
| website = {{URL|https://www.transunioncibil.com/}}
}}
}}
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'''TransUnion CIBIL Limited''' is a [[credit bureau|credit information company]] operating in [[India]]. It maintains credit files on 600 million individuals and 32 million businesses. TransUnion is one of four credit bureaus operating in India and is part of [[TransUnion]], an American multinational group.<ref>{{cite web|title=India to get three new credit data bureaus|url=http://www.livemint.com/Home-Page/a0DDNYf6He8Nb50kEREqtK/India-to-get-three-new-credit-data-bureaus.html |website=Live Mint|date=1 June 2009}}</ref><ref>{{cite news|title=CIBIL eyes new sectors for growth|url=https://timesofindia.indiatimes.com/business/india-business/CIBIL-eyes-new-sectors-for-growth/articleshow/47741102.cms|accessdate=27 October 2017|publisher=Times of India|date=20 June 2015}}</ref>
'''TransUnion CIBIL Limited''' is a [[credit bureau|credit information company]] operating in [[India]]. It maintains credit files on 600 million individuals and 32 million businesses. TransUnion is one of four credit bureaus operating in India and is part of [[TransUnion]], an American multinational group.<ref>{{cite web|title=India to get three new credit data bureaus|url=http://www.livemint.com/Home-Page/a0DDNYf6He8Nb50kEREqtK/India-to-get-three-new-credit-data-bureaus.html |website=Live Mint|date=1 June 2009}}</ref><ref>{{cite news|title=CIBIL eyes new sectors for growth|url=https://timesofindia.indiatimes.com/business/india-business/CIBIL-eyes-new-sectors-for-growth/articleshow/47741102.cms|accessdate=27 October 2017|publisher=Times of India|date=20 June 2015}}</ref>


==Consumer Credit Reporting==
==Consumer credit reporting==
{{main|Credit bureau#India}}
{{main|Credit bureau#India}}


TransUnion CIBIL aggregates consumer borrowing and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate). It has partnered with Chicago-based [[TransUnion]].<ref name="creditvidya">{{cite web|url=http://www.creditvidya.com/credit-score/importance-of-cibil-credit-score-cs103.aspx |title=Important of Cibil Credit Score |publisher=Credit Vidya |date=2012-05-17 |accessdate=2010-12-08}}</ref><ref name="creditvidya1">{{cite web|url=http://creditvidya.com/credit-score/how-to-get-your-cibil-credit-score-online-cs107.aspx |title=How to get Cibil Score Online |publisher=CreditVidya |date=2012-05-17 |accessdate=2010-12-08}}</ref>
Trans Union CIBIL aggregates consumer borrowing and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate). It has partnered with Chicago-based [[TransUnion]].<ref name="creditvidya">{{cite web|url=http://www.creditvidya.com/credit-score/importance-of-cibil-credit-score-cs103.aspx |title=Important of Cibil Credit Score |publisher=Credit Vidya |date=2012-05-17 |accessdate=2010-12-08}}</ref><ref name="creditvidya1">{{cite web|url=http://creditvidya.com/credit-score/how-to-get-your-cibil-credit-score-online-cs107.aspx |title=How to get Cibil Score Online |publisher=CreditVidya |date=2012-05-17 |accessdate=2010-12-08}}</ref>


Consumer credit scores are also used in unemployment decisions,<ref>{{cite web|title=How Cibil score check chances of landing a job|url=http://www.freescoreindia.com/articles/how-does-cibil-score-impact-my-employability.html|website=freescoreindia|accessdate=26 December 2015}}</ref> although there are no studies in India showing that impaired credit leads to employee misconduct.<ref>{{cite news|last1=Shetty|first1=Mayur|title=Employers add credit score to list of employee background checks|url=http://timesofindia.indiatimes.com/business/india-business/employers-add-credit-score-to-list-of-employee-background-checks/articleshow/58248581.cms|accessdate=6 September 2017|publisher=Times of India|date=18 April 2017}}</ref>
Consumer credit scores are also used in unemployment decisions,<ref>{{cite web|title=How Cibil score check chances of landing a job|url=http://www.freescoreindia.com/articles/how-does-cibil-score-impact-my-employability.html|website=freescoreindia|accessdate=26 December 2015}}</ref> although there are no studies in India showing that impaired credit leads to employee misconduct and unemployment.<ref>{{cite news|last1=Shetty|first1=Mayur|title=Employers add credit score to list of employee background checks|url=http://timesofindia.indiatimes.com/business/india-business/employers-add-credit-score-to-list-of-employee-background-checks/articleshow/58248581.cms|accessdate=6 September 2017|publisher=Times of India|date=18 April 2017}}</ref>


==Business Credit Reporting==
==Business credit reporting==
{{main|Credit bureau#India}}
{{main|Credit bureau#India}}


TransUnion CIBIL aggregates business financial and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate. It has partnered with New Jersey based [[Dun and Bradstreet]]. D&B maintains files on 150 million business worldwide.<ref>"[http://www.dnb.com/company.html About Us]." Dun & Bradstreet. Retrieved on 1 October 2012. "HQ info: 103 John F. Kennedy Parkway Short Hills, NJ 07078"</ref>
TransUnion CIBIL aggregates business financial and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate. It has partnered with New Jersey–based [[Dun and Bradstreet]]. D&B maintains files on 150 million business worldwide.<ref>"[http://www.dnb.com/company.html About Us]." Dun & Bradstreet. Retrieved on 1 October 2012. "HQ info: 103 John F. Kennedy Parkway Short Hills, NJ 07078"</ref>

== CIBIL full form ==
CIBIL is fully known as Credit Information Bureau (India) Limited

== What is CIBIL score? ==
CIBIL score is a bank's assessment of a client's trustworthiness based on information from their credit history. The higher the score, the more favourable the bank is to the client. It is a 3-digit number ranging between 300 and 900. Ideally, 720 or above score considered as a good CIBIL score. It tells your financial health and your previous records of loans.

== CRIF vs. CIBIL ==
Banks and financial organisations widely use CRIF and CIBIL.<ref>{{Cite web |date=2021-11-03 |title=CIBIL Score: Full Form, What it is? Difference Between Credit Score & CIBIL |url=https://www.buddyloan.com/blog/what-is-cibil-score/ |access-date=2022-07-05 |website=Buddy Loan Official Blog |language=en-US}}</ref> Both of them are more or less the same. Here's a comparative analysis of CRIF and CIBIL

'''CRIF Credit Scores:'''
{| class="wikitable"
|300–500
|'''Very low'''
|-
|500-650
|'''Low'''
|-
|650–750
|'''Great'''
|-
|750-900
|'''Excellent'''
|}
'''CIBIL Credit Scores:'''
{| class="wikitable"
|<600
|'''Low'''
|-
|600-649
|'''Difficult'''
|-
|650-699
|'''Possible'''
|-
|700-749
|'''Good'''
|-
|750-900
|'''Excellent'''
|}

Higher CIBIL scores make your loan journey easy and smooth. They also help you secure lower interest rates on your unsecured loans. Your CIBIL score is affected by your loan history. It is influenced by various factors such as past settlements of loans or credit cards, delayed payments or overdue amounts, and unpaid loans. If your CIBIL score is low, it becomes significantly harder to obtain any type of loan. However, CIBIL scores can be improved,<ref>{{cite web | url=https://beingaman.in/how-to-improve-a-bad-cibil-score-quickly/ | title=How to Improve a Bad CIBIL Score Quickly? - | date=14 November 2023 }}</ref> though this process usually takes about 4–8 months. To achieve a good CIBIL score, it is crucial to pay your EMIs and credit card bills on time.<ref>{{cite web |title=Increase CIBIL Score |url=https://newsfrom360.in/finance/increase-cibil-score/ |website=NewsFrom360.in |access-date=6 February 2024 |date=4 February 2024}}</ref>


==Competition==
==Competition==
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* 2004: Credit bureau services are launched in India (Consumer Bureau).
* 2004: Credit bureau services are launched in India (Consumer Bureau).
* 2006: Commercial bureau operations commenced.
* 2006: Commercial bureau operations commenced.
* 2007: CIBIL Score, India’s first generic risk scoring model for banks and financial institutions, was introduced.<ref>{{cite web|title=TransUnion CIBIL Limited: Everything You Must Know|url=http://www.bankexamstoday.com/2017/01/transunion-cibil-limited-everything-you.html|website=Bank Exams Today|date=2 January 2017}}</ref><ref>{{cite web|title=Everything About : TransUnion CIBIL Limited|url=http://www.aimsuccess.in/2017/01/everything-about-transunion-cibil.html|website=Aim Success}}</ref>
* 2007: CIBIL Score, India’s first generic risk scoring model for banks and financial institutions, was introduced.<ref>{{cite web|title=Everything About : TransUnion CIBIL Limited|url=http://www.aimsuccess.in/2017/01/everything-about-transunion-cibil.html|website=Aim Success|date=11 July 2022 }}</ref>
* 2010: Two firsts for the credit industry in India with the launch of:
* 2010: Two firsts for the credit industry in India with the launch of:
** CIBIL Detect: India's first repository for information on high-risk activity.<ref>{{cite web|title=CIBIL and TransUnion launch CIBIL Detect|url=http://www.indiainfoline.com/article/news-business/cibil-and-transunion-launch-cibil-detect-113101302150_1.html |website=India Infoline}}</ref>
** CIBIL Detect: India's first repository for information on high-risk activity.<ref>{{cite web|title=CIBIL and TransUnion launch CIBIL Detect|url=http://www.indiainfoline.com/article/news-business/cibil-and-transunion-launch-cibil-detect-113101302150_1.html |website=India Infoline}}</ref>
** CIBIL Mortgage Check: The first centralized database on mortgages in India.<ref>{{cite web|title=CIBIL and TransUnion launch CIBIL Mortgage Check|url=http://www.business-standard.com/article/companies/cibil-and-transunion-launch-cibil-mortgage-check-110090200169_1.html |website=Business Standard|accessdate=2 September 2010}}</ref>
** CIBIL Mortgage Check: The first centralized database on mortgages in India.<ref>{{cite web|title=CIBIL and TransUnion launch CIBIL Mortgage Check|url=http://www.business-standard.com/article/companies/cibil-and-transunion-launch-cibil-mortgage-check-110090200169_1.html |website=Business Standard|date=2 September 2010 |accessdate=2 September 2010}}</ref>
* 2011: CIBIL Score is made available to individual consumers.
* 2011: CIBIL Score is made available to individual consumers.
* 2016: Transunion acquired 82% stake in CIBIL to become Transunion CIBIL.
* 2016: Transunion acquired 92.1% stake in CIBIL to become Transunion CIBIL.
* 2017: TransUnion CIBIL launches CIBIL MSME Rank to drive credit penetration in Micro, Small and Medium Enterprises and helping lenders assess risk better <ref>{{cite web|title=TransUnion CIBIL launches credit risk ranking for MSMEs|url=http://www.smetimes.in/smetimes/news/top-stories/2017/Mar/01/transunion-cibil-launches-credit-risk-rank-for-msmes1634269.html|website=SME Times|date=1 March 2017}}</ref><ref>{{cite web|title=TransUnion CIBIL introduces ranking for MSMEs|url=http://bankingfrontiers.com/transunion-cibil-introduces-ranking-msmes/ |website=Bank Frontiers|date=1 March 2017}}</ref>
* 2017: TransUnion CIBIL launches CIBIL MSME Rank to drive credit penetration in Micro, Small and Medium Enterprises and helping lenders assess risk better <ref>{{cite web|title=TransUnion CIBIL launches credit risk ranking for MSMEs|url=http://www.smetimes.in/smetimes/news/top-stories/2017/Mar/01/transunion-cibil-launches-credit-risk-rank-for-msmes1634269.html|website=SME Times|date=1 March 2017}}</ref><ref>{{cite web|title=TransUnion CIBIL introduces ranking for MSMEs|url=http://bankingfrontiers.com/transunion-cibil-introduces-ranking-msmes/ |website=Bank Frontiers|date=1 March 2017}}</ref>
*2017: Bank of India sold its 5% share in the company for Rs190.6 crore, implying a value of US$592 million for TransUnion CIBIL<ref>{{cite news|title=BoI to complete sale of 29.96% stake in STCI Finance by month-end|url=http://www.financialexpress.com/market/boi-to-complete-sale-of-29-96-stake-in-stci-finance-by-month-end/830289/|accessdate=6 September 2017|newspaper=Financial Express|date=29 August 2017}}</ref>
*2017: Bank of India sold its 5% share in the company for Rs190.6 crore, implying a value of US$592 million for TransUnion CIBIL<ref>{{cite news|title=BoI to complete sale of 29.96% stake in STCI Finance by month-end|url=http://www.financialexpress.com/market/boi-to-complete-sale-of-29-96-stake-in-stci-finance-by-month-end/830289/|accessdate=6 September 2017|newspaper=Financial Express|date=29 August 2017}}</ref>
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==External links==
==External links==
*[https://www.transunioncibil.com/ Official Website]
*[https://www.transunioncibil.com/ Official Website]

{{Financial services in India}}


[[Category:Financial services companies based in Mumbai]]
[[Category:Financial services companies based in Mumbai]]
[[Category:Companies established in 2000]]
[[Category:Financial services companies established in 2000]]
[[Category:Credit rating agencies in India]]
[[Category:2016 mergers and acquisitions]]
[[Category:Indian subsidiaries of foreign companies]]
[[Category:Indian companies established in 2000]]
[[Category:2000 establishments in Maharashtra]]

Latest revision as of 22:44, 23 September 2024

TransUnion CIBIL Limited
FormerlyCredit Information Bureau (India) Limited
Company typeCredit Information Company
FoundedMumbai, Maharashtra, India (August 2000; 24 years ago (2000-08))
HeadquartersOne Indiabulls Centre, Tower 2A-2B,19th Floor, Senapati Bapat Marg, Lower Parel,
Mumbai, Maharashtra
,
India
Area served
India
Key people
Rajesh Kumar (Managing Director)[1]
ServicesResearch, Risk and Policy Advisory
Websitewww.transunioncibil.com

TransUnion CIBIL Limited is a credit information company operating in India. It maintains credit files on 600 million individuals and 32 million businesses. TransUnion is one of four credit bureaus operating in India and is part of TransUnion, an American multinational group.[2][3]

Consumer credit reporting

[edit]
Main article: Credit bureau § India

Trans Union CIBIL aggregates consumer borrowing and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate). It has partnered with Chicago-based TransUnion.[4][5]

Consumer credit scores are also used in unemployment decisions,[6] although there are no studies in India showing that impaired credit leads to employee misconduct and unemployment.[7]

Business credit reporting

[edit]
Main article: Credit bureau § India

TransUnion CIBIL aggregates business financial and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate. It has partnered with New Jersey–based Dun and Bradstreet. D&B maintains files on 150 million business worldwide.[8]

CIBIL full form

[edit]

CIBIL is fully known as Credit Information Bureau (India) Limited

What is CIBIL score?

[edit]

CIBIL score is a bank's assessment of a client's trustworthiness based on information from their credit history. The higher the score, the more favourable the bank is to the client. It is a 3-digit number ranging between 300 and 900. Ideally, 720 or above score considered as a good CIBIL score. It tells your financial health and your previous records of loans.

CRIF vs. CIBIL

[edit]

Banks and financial organisations widely use CRIF and CIBIL.[9] Both of them are more or less the same. Here's a comparative analysis of CRIF and CIBIL

CRIF Credit Scores:

300–500 Very low
500-650 Low
650–750 Great
750-900 Excellent

CIBIL Credit Scores:

<600 Low
600-649 Difficult
650-699 Possible
700-749 Good
750-900 Excellent

Higher CIBIL scores make your loan journey easy and smooth. They also help you secure lower interest rates on your unsecured loans. Your CIBIL score is affected by your loan history. It is influenced by various factors such as past settlements of loans or credit cards, delayed payments or overdue amounts, and unpaid loans. If your CIBIL score is low, it becomes significantly harder to obtain any type of loan. However, CIBIL scores can be improved,[10] though this process usually takes about 4–8 months. To achieve a good CIBIL score, it is crucial to pay your EMIs and credit card bills on time.[11]

Competition

[edit]

Competitors to TransUnion CIBIL include:

History

[edit]
  • 2000: CIBIL (Credit Information Bureau (India) Limited) incorporated.
  • 2004: Credit bureau services are launched in India (Consumer Bureau).
  • 2006: Commercial bureau operations commenced.
  • 2007: CIBIL Score, India’s first generic risk scoring model for banks and financial institutions, was introduced.[12]
  • 2010: Two firsts for the credit industry in India with the launch of:
    • CIBIL Detect: India's first repository for information on high-risk activity.[13]
    • CIBIL Mortgage Check: The first centralized database on mortgages in India.[14]
  • 2011: CIBIL Score is made available to individual consumers.
  • 2016: Transunion acquired 92.1% stake in CIBIL to become Transunion CIBIL.
  • 2017: TransUnion CIBIL launches CIBIL MSME Rank to drive credit penetration in Micro, Small and Medium Enterprises and helping lenders assess risk better [15][16]
  • 2017: Bank of India sold its 5% share in the company for Rs190.6 crore, implying a value of US$592 million for TransUnion CIBIL[17]

References

[edit]
  1. ^ "Rajesh Kumar - CEO/Managing Director, TransUnion CIBIL Ltd". Bloomberg. Retrieved 24 May 2022.
  2. ^ "India to get three new credit data bureaus". Live Mint. 1 June 2009.
  3. ^ "CIBIL eyes new sectors for growth". Times of India. 20 June 2015. Retrieved 27 October 2017.
  4. ^ "Important of Cibil Credit Score". Credit Vidya. 17 May 2012. Retrieved 8 December 2010.
  5. ^ "How to get Cibil Score Online". CreditVidya. 17 May 2012. Retrieved 8 December 2010.
  6. ^ "How Cibil score check chances of landing a job". freescoreindia. Retrieved 26 December 2015.
  7. ^ Shetty, Mayur (18 April 2017). "Employers add credit score to list of employee background checks". Times of India. Retrieved 6 September 2017.
  8. ^ "About Us." Dun & Bradstreet. Retrieved on 1 October 2012. "HQ info: 103 John F. Kennedy Parkway Short Hills, NJ 07078"
  9. ^ "CIBIL Score: Full Form, What it is? Difference Between Credit Score & CIBIL". Buddy Loan Official Blog. 3 November 2021. Retrieved 5 July 2022.
  10. ^ "How to Improve a Bad CIBIL Score Quickly? -". 14 November 2023.
  11. ^ "Increase CIBIL Score". NewsFrom360.in. 4 February 2024. Retrieved 6 February 2024.
  12. ^ "Everything About : TransUnion CIBIL Limited". Aim Success. 11 July 2022.
  13. ^ "CIBIL and TransUnion launch CIBIL Detect". India Infoline.
  14. ^ "CIBIL and TransUnion launch CIBIL Mortgage Check". Business Standard. 2 September 2010. Retrieved 2 September 2010.
  15. ^ "TransUnion CIBIL launches credit risk ranking for MSMEs". SME Times. 1 March 2017.
  16. ^ "TransUnion CIBIL introduces ranking for MSMEs". Bank Frontiers. 1 March 2017.
  17. ^ "BoI to complete sale of 29.96% stake in STCI Finance by month-end". Financial Express. 29 August 2017. Retrieved 6 September 2017.
[edit]
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