who calculates cibil score

The CIBIL Score is calculated and provided by TransUnion CIBIL Ltd., which is India’s first credit bureau and one of the four major Credit Information Companies (CIC) licensed by the Reserve Bank of India (RBI). These companies collect credit data from banks and other financial institutions. The final score is derived using a proprietary algorithm that assesses various factors, such as your payment history, credit utilisation, and the length of your credit history, to evaluate your creditworthiness.