who decides cibil score

The CIBIL score is calculated by credit information companies (or credit bureaus), primarily TransUnion CIBIL, which is India's first credit information company licensed by the RBI. These companies compute the 3-digit score, which ranges from 300 to 900, using an individual's credit history. This data is regularly submitted to the credit bureaus by banks, NBFCs, and other financial institutions based on your borrowing and repayment behavior.