CIBIL plays a major role in India's financial system by helping banking institutions to better manage their business and be helping customers secure on fair terms. The credit report is requested to help in evaluating and approving loan/credit applications. You can log on to our ShubhBank website and click for your personalised credit check. This score is your financial report card with complete history of a person. It gives all the information of loans taken in past and credit cards held long with track records. We refer to Credit Score of applicant as it is an important process that gives fair idea of the credit worthiness of every individual. You just have to mention your basic details and loans taken in past and we determine your financial discipline.