CRIF High Mark

CRIF High Mark is India's first full service credit information bureau which comprehensively covers credit information for all borrower segments – MSME and Commercial borrowers, Retail consumers and Microfinance borrowers – across the vast expanses (whether urban or rural areas)  of our country. With one of the largest databases of individuals and businesses from over 4000 financial institutions, CRIF High Mark provides credit information services for and supports millions of lending decisions every month.

High Mark was founded by Dr. Anil Pandya as a start-up credit bureau in 2007 with a vision of setting up India’s most comprehensive and most inclusive credit bureau. High Mark commenced its bureau operations in March 2011, immediately following the receipt of Certificate of Registration (CoR) from the Reserve Bank of India (RBI) to operate as a Credit Information Bureau in India in 2010.

RBI Licensed
One-stop shop for all credit related solutions
Sophisticated made in India for India search algorithms
Largest credit bureau database in India

High Mark pioneered India’s first Microfinance Bureau database, which now is World's largest Microfinance Bureau Database. Leveraging proprietary sophisticated search algorithms designed and developed to handle complex Indian data, we extended our offerings to provide credit information for consumers and commercial borrowers, Insights, Analytics, Data Management and related Software solutions to banks, NBFCs, MFIs, Housing Finance Companies, Cooperative Banks, Rural Banks, Insurance Companies and Telecom service providers. 

CRIF acquired majority stake in High Mark in mid-2014. Following the acquisition, High Mark Credit Information Services was renamed CRIF High Mark Credit Information Services, bringing together advanced identity management technology from its existing research team and drawing global best practices in top tier bureau technology from CRIF S.p.A, with an aim to create an one-stop solutions provider for entire credit life-cycle.

Amongst firsts in India
First full service bureau
First Bureau to offer Microfinance credit reports
First Bureau to provide Comprehensive CIR on borrowers
First Bureau to offer Commercial Score

Apart from CRIF, CRIF High Mark’s investor-partners include State Bank of India (SBI), Punjab National Bank (PNB), SIDBI, Edelweiss, Shriram City Union Finance (SCUF) amongst others.

CRIF High Mark has three offices in India – headquarters in Mumbai, development and operations center at Pune and a sales office at Chennai.

CRIF India brings together best of both worlds – comprehensive data and sophisticated dedupe technology for India along with global best practices, expertise in scoring and top-rated credit management software solutions – to add most value to our clients.