365Telugu.com online news,Mumbai, June 23rd, 2025:In a strategic move to bolster credit growth in India’s commercial lending ecosystem, TransUnion CIBIL, India’s leading credit information and insights provider, has announced the launch of CreditVision® CIBIL Commercial Rank (CV CMR)-a next-generation credit risk assessment model tailored for commercial borrowers.
Building on the success of its original CIBIL Commercial Rank (CMR) model launched in 2017, CV CMR delivers deeper insights, broader borrower coverage, and higher predictive precision-enabling lenders to make sharper, data-driven credit decisions. With nearly 60% of all commercial loans in India already leveraging the original CMR model, this upgrade represents a significant evolution in credit risk evaluation.
Key Enhancements with CV CMR:
- Greater Model Stability: Over 90% of borrowers maintain the same or a ±1 rank within three months, offering consistency in underwriting decisions.
- Superior Risk Segmentation: Default rates range from 0.9% in CMR-1 to 98.3% in CMR-10, delivering granular risk visibility.
- Expanded Approval Funnel: CV CMR helps identify 5–7% more high-quality borrowers (CMR-1 to 3) during the inquiry stage and increases the overall rank-eligible borrower base by ~12%.
- Longer Performance View: The observation window has been extended from 24 to 36 months, improving the model’s ability to assess borrower credit history and behavior over time.
Developed using TransUnion CIBIL’s proprietary CreditVision® analytics framework, the CV CMR model reflects the changing dynamics of India’s credit landscape, offering lenders enhanced capability to evaluate risk and expand responsible credit access across commercial segments.
Driving Inclusion and Economic Growth
Commenting on the launch, Mr. Bhavesh Jain, Managing Director and CEO of TransUnion CIBIL, said:
“India’s over 7 crore MSMEs are vital to employment, innovation, and inclusive economic development. With growing credit demand, especially for working capital and expansion, the need for precise and timely risk assessment tools is more crucial than ever.
CV CMR empowers lenders to make informed, faster decisions, unlocking credit access for more deserving businesses-especially those with exposure up to ₹50 crores-and fostering a self-reliant economy.”
Industry Leaders Endorse CV CMR
Mr. Rajiv Sabharwal, MD & CEO, Tata Capital Limited, remarked:
“CV CMR is a timely upgrade, incorporating an expanded data window and newer risk factors for sharper risk segmentation. It reflects TransUnion CIBIL’s continued leadership in delivering robust, market-relevant credit tools.”
Mr. Ravinder Singh, MD, SVC Co-operative Bank, noted:
“The original CMR has significantly enhanced our credit evaluation capabilities. With the new CreditVision CMR, we anticipate even greater reach among small and underserved businesses.”
Mr. Sanjay Agarwal, CEO, Ambit Finvest, added:
“CMR has helped standardize credit evaluation across our network. The new CV CMR brings greater accuracy, faster assessments, and improved credit quality monitoring.”
CV CMR’s Scoring Framework..
CV CMR classifies commercial borrowers on a 10-point scale (CMR-1 to CMR-10) based on the probability of 90+ days past due defaults. A lower rank indicates stronger creditworthiness (CMR-1 being the best), while higher ranks reflect higher credit risk. Currently, 73% of ranked commercial borrowers fall within lender-preferred rank bands, demonstrating the model’s ability to highlight creditworthy profiles.
As of 2025, India has over 94 lakh active commercial borrowers, a 1.5X rise since 2020. Government initiatives such as PM MUDRA Yojana, CGTMSE, GeM, TReDs, OCEN, and ONDC have expanded credit access, creating a favorable environment for tools like CV CMR to thrive and support responsible lending at scale.
With the launch of CreditVision® CIBIL Commercial Rank, TransUnion CIBIL is empowering India’s credit ecosystem to unlock new lending opportunities, improve portfolio performance, and drive financial inclusion for millions of small and medium businesses. The model promises not just improved accuracy but also broader reach — helping shape a stronger, more inclusive commercial lending future for India.