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About Us
  CCCS (Core Credit & Collection Services) works on apid industrialisation. An expanding economy. Growing aspirations. Increased incomes. Improved lifestyles. Availability of high quality products and services. An expanding market.

These factors have created an atmosphere conducive to rapid credit off take. While the demand for credit has risen exponentially, there has been a parallel increase in competition, and credit delinquencies. In such an environment, risk assessment is of critical importance. Not only, in deciding on what business to book and the speed at which a credit grantor does so, but also in determining the appropriate pricing.

Comprehensive credit information, which provides details pertaining to credit facilities already availed of by a borrower as well as his payment track record, has become the need of the hour.

CCCS aim is to fulfill the need of credit granting institutions for comprehensive credit information by collecting, collating and disseminating credit information pertaining to both commercial and consumer borrowers, to a closed user group of Members. Banks, Financial Institutions, Non Banking Financial Companies, Housing Finance Companies and Credit Card Companies use CCCS services. Data sharing is based on the Principle of Reciprocity, which means that only Members who have submitted all their credit data, may access Credit Information Reports from CCCS. The relationship between CCCS and its Members is that of close interdependence.

The establishment of CCCS is an effort made by the Government of India and the Reserve Bank of India to improve the functionality and stability of the Indian financial system by containing NPAs while improving credit grantors’ portfolio quality. CCCS provides a vital service, which allows its Members to make informed, objective and faster credit decisions.

To be a Catalyst in the progress of the Indian Financial & Allied Services Sector to world standards by ....

Being a Trusted Partner of every credit grantor in every credit decision by consistently offering Comprehensive and Innovative Solutions in line with their needs.
Enabling credit grantors to take Informed Credit Decisions and thereby minimising adverse selection and improving the quality of assets and profitability.
Using State of the Art Technology to provide the highest standards of security & service.
Empowering a Committed Team to provide quality customer service meeting each and every customer expectation of credit grantors.
Forging effective Collaborations and building Strategic Alliances, wherever necessary.
Measuring up to International Standards of Excellence in Credit Reporting.
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