Banks could see your CIBIL score four years before you were allowed to — and then it cost ₹550 to look
2026-08-20World
India had no credit bureau until 2000, and the one it got was built to fix the banks' bad-loan problem, not to help you. The score reached lenders in 2007. Consumers were let in during 2011. It took a 2016 announcement by Raghuram Rajan before looking at your own record stopped costing money.