Enhanced Credit Information Report (E-CIR)
Make smarter lending decisions with a 360° view of your customers
Today, most financial lending organisations face challenges around accessing data to make smart lending decisions, especially when it comes to commercial entities such as Micro, Small and Medium Enterprises (MSMEs). It requires information from different dimensions, making the process time consuming and expensive due to the lack of integrated data.
An Industry-first offering which combines:
- Business Credit Information report
- Alternate Data
- MCA Information
- GST Information
- Litigation
- EPFO Contribution Information
Get a 360° view of the credit and business risk of a commercial entity and make informed lending decisions with E-CIR.
How does E-CIR work?
At the core of the E-CIR is Experian’s proprietary Experian Information Report (EIR) platform. The web-based EIR platform fetches commercial entity data from myriad sources. The in-built data messaging and analytics layers on the EIR then process the data to create insightful reports containing commercial bureau and alternate data based commercial entity scores, key financial matrices and summary statistics.
The E-CIR report thus is able to provide a comprehensive view of a commercial entity, providing details such as loan repayment history, sales and turnover, financial ratios, financial statements, GST, EPF filings and defaults, any major litigations, and more.
How can E-CIR help?
