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CIBIL score or credit score measures your creditworthiness and are calculated by credit bureaus. To judge an applicant’s eligibility to borrow credit like a loan or credit card, different financial institutions use the CIBIL score as a trustable instrument. CIBIL launched an enhanced credit score form called the CIBIL TransUnion Score 2.0 in 2012.


Keeping the changing Indian market in mind, the CIBIL Score 2.0 is designed to predict the risk of lending credit in more detail. The CIBIL version 2.0 is introduced to cater to the current change in the borrowing trend, which inclines more towards home and auto loans.

What is New in CIBIL TransUnion Score 2.0

Here are some of the new features of CIBIL 2.0.

  • It has a new and inclusive financing approach.

  • It has an updated risk index for the borrowers who are first-timers.

  • It helps lenders offer loans to individuals with a better understanding of their repayment ability.

  • It helps provide credit to individuals without any credit history.

Features of CIBIL TransUnion Score 2.0

Let us check out the major features of the CIBIL Score 2.0.

1. New Risk Index

The credit score is essential in making necessary decisions on a loan application or issue of a credit card. Earlier, people with a credit history of fewer than six months didn't have a rating. With the updated version, they will have a different rating on a scale of 1 to 5. A score of 1 indicates high risk, whereas 5 indicates low risk.


Customers having a credit history of more than six months will be offered a score ranging from 300 to 900, and a score above 750 is considered ideal.

2. Easily Accessible

It is easy to access CIBIL Score 2.0 through different channels such as the web and FTP. Along with the score, it is easy to access the CIBIL credit information report as well as the CIBIL TransUnion Bureau credit uniqueness.

3. Calculated Decisions

The new version considers the customer’s life cycle and repayment ability. So, the new borrowers have to be more careful while making inquiries, applying for loans, and paying bills since they all are recorded with CIBIL.

4. NA or NH

If a customer has no credit history or the CIBIL has not received any credit report over the past 24 months for this customer, but he/she has made a query, then the customer will be assigned -1 or NA/NH. NA or NH indicates that the person has a credit history, but no report has been added to CIBIL 24 months before the inquiry.

Risk Index for CIBIL Score 2.0

Now, we should analyse the meaning of scores in the risk index.

Risk Index


-1 or NA/NH

Customers with no credit history or the credit bureau have not received any credit information in the last 24 months.


Highest risk of becoming a defaulter


High risk of becoming a defaulter


Medium risk of becoming a defaulter


Low risk of becoming a defaulter


Lowest risk of becoming a defaulter


Customers with a credit history of more than six months. 300 is the lowest, and 900 is the highest credit score.

Benefits of CIBIL TransUnion Score 2.0

  • Increases credit diffusion and financial addition in the country.

  • Designed with the consideration of the consumers and the country’s market.

  • Signals the risky customers to the lenders.

  • Lenders can successfully separate unreliable loan applicants.

  • Increases sensible utilisation of credit cards.

Impact of CIBIL TransUnion Score 2.0 on Lenders

CIBIL Score 2.0 helps lenders improve the quality of their lending decisions. First-time borrowers will get a credit rating, and it will act as an essential tool to approve credit. It helps lenders in cross-risk management and making better decisions.

Impact of CIBIL TransUnion Score 2.0 on Borrowers

The credit score of a person in the CIBIL version 2.0 is lower than in the older version. But this difference will not impact the loan approval process. Lenders will use different eligibility criteria depending on the version they use. To get an idea about credit health, every individual should check the CIBIL score from time to time.


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