Credit Information Bureau of Nepal

What Credit Information Bureau of Nepal does

Credit Information Bureau of Nepal (legal entity: Karja Suchana Kendra Limited, KSKL) is Nepal's sole licensed credit bureau, established in May 1989 under the Nepal Bankers Association and operating as an independent public limited company since 25 March 2005 under NRB Act 2058 Article 88. The company is the mandated repository of consumer and commercial credit information for all Nepal Rastra Bank-licensed banks, development banks, finance companies, microfinance institutions, hire-purchase companies, infrastructure development banks and cooperatives — collectively 124 registered members — and operates a vertically integrated platform stack including the SilverBlade online credit-reporting system, the Microfinance Information Reporting System (MIRS), an IFF File Submission Portal, the KSKL Credit Score API (60–960 scale with five probability-of-default clusters), the Blacklist API (Phonetic Algorithm name-matching), GovDataAxis (biometric-NID government data platform) and the Secured Transaction Registry (stro.org.np).

Commercially, KSKL is 90% owned by its member banks and financial institutions (commercial banks 65%, finance companies 15%, development banks 10%) and 10% by Nepal Rastra Bank, with 62 promoter shareholders. Its revenue model is transaction-based: Rs. 621.50 per transaction report, Rs. 282.50 per no-transaction report, Rs. 22.65–Rs. 56.50 per MFI report, plus Blacklist API subscription at Rs. 56,500/month and Rs. 11.30 per name search — prices are inclusive of VAT. Distribution is mandated: NRB regulations compel all regulated lenders to register as members, submit quarterly credit data for borrowers with NRs 2.5 million+ exposure, and obtain a KSKL credit report before extending, renewing or restructuring any facility of NRs 1 million or above, with punitive action for non-compliance. Data security is governed by an ISO/IEC 27001:2022-aligned ISMS, and the CEO-led modernization roadmap — including a 2026 invitation for bids for a new Credit Bureau Information System — indicates continued platform reinvestment behind the regulatory monopoly.

Name

Credit Information Bureau of Nepal

Legal name

Karja Suchana Kendra Limited

Website

https://cibnepal.org.np

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Credit Information Bureau of Nepal (Karja Suchana Kendra Limited) is Nepal's sole licensed, NRB-mandated credit bureau serving all regulated banks, development banks, finance companies and microfinance institutions — 124 members — through the SilverBlade platform, KSKL Credit Score API and Blacklist API for credit reporting and verification.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit information bureau
• Credit reporting services
• Credit scoring
• Blacklist verification
• Financial data services

Headquarters

HQ city

Kathmandu

HQ country

Nepal

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Others

Revenue model

1. Credit Information Report Fees: Transaction-based fees charged to member banks and financial institutions for credit reports. Different rates for transaction reports (Rs. 621.50), no-transaction reports (Rs. 282.50), and MFI-specific reports (Rs. 22.65-56.50). Includes VAT.
2. Blacklist Report Services: Fees for blacklist reports (Rs. 282.50 per transaction) and Blacklist API services with flat monthly pricing (Rs. 56,500/month) or per-search pricing (Rs. 11.30 per subject).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels1 record

Core offering

Karja Suchana Kendra Limited (Credit Information Bureau of Nepal) is Nepal's central credit bureau that collects, collates, and disseminates credit information on consumer and commercial borrowers from all NRB-licensed banks and financial institutions. It delivers consumer and commercial credit reports, the proprietary KSKL Credit Score (60-960 scale), and blacklist verification reports to member institutions through the SilverBlade online platform, dedicated portals (MIRS, IFF, Document Submission), and APIs.

Product overview

Credit Information Bureau of Nepal (Karja Suchana Kendra Limited) operates a comprehensive credit information ecosystem comprising core credit reporting products and digital platforms. The core offerings include Consumer and Commercial Credit Information Reports, the proprietary KSKL Credit Score (scoring system 60-960), and Blacklist Reports with API verification. These are delivered through multiple platforms: SilverBlade System for member access, IFF File Submission Portal for data submission, Document Submission Portal, MIRS for microfinance institutions, GovDataAxis for government data services, and Secured Transaction Registry. The ecosystem supports 124+ member banks and financial institutions with real-time credit assessment capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Credit Information Report Individual borrower credit report containing personal details, identification information (citizenship, passport, driving license), family details, comprehensive credit facility information (type, amounts, payment history, overdue amounts, security types), previous enquiries, and blacklist information. Sold to NRB-licensed member banks and financial institutions for consumer credit assessment.
• Commercial Credit Information Report Corporate/institutional borrower credit report containing firm details, registered address, registration number, PAN number, shareholder details, and comprehensive credit facility information including loan types, disbursement dates, payment history, and settlement dates. Sold to NRB-licensed member banks and financial institutions for commercial lending decisions.
• KSKL Credit Score Proprietary credit scoring system ranging from 60-960 that provides a comparative estimate of individual creditworthiness based on 15 months of credit history and 8 factors (Default Payment, Payment Trend, Credit Age, Payment Capacity, Repayment History, Delinquency History, Credit at Risk, Credit Utilization). Categorizes borrowers into five risk clusters: Elite (721-960, <5% PD), Ultimate (541-720, <14% PD), Prime (361-540, <34% PD), Severe (181-360, <50% PD), and Risk (60-180, >50% PD). Minimum 3 months of credit history required.
• Blacklist Reports Report listing seriously defaulted borrowers whose principal and interest are past due by a year, bankrupt borrowers, individuals who misused credit facilities, or those with bounced cheques. Used by member institutions for risk screening.
• KSKL Credit Score API API service enabling banks and financial institutions to retrieve credit scores for single or multiple subjects programmatically, supporting automated credit assessment workflows and integration with internal lending systems.
• Blacklist API API service offering two pricing models: flat monthly pricing (Rs. 56,500/month inclusive of VAT) for bulk blacklist downloads, recent blacklists, and blacklist details; and per-subject search pricing (Rs. 11.30/search inclusive of VAT) using advanced Phonetic Algorithm for exact and potential name matching.
• SilverBlade System Online account management and credit reporting platform for member banks and financial institutions to access credit reports, submit data, and manage credit information requests. The secured online system serves as the primary interface for all member institutions of Nepal's central credit bureau.
• MIRS - Microfinance Information Reporting System Dedicated platform for microfinance institutions to submit credit data and access credit reports, supporting the unique reporting and pricing needs of the microfinance segment.
• GovDataAxis Government data platform offering biometric device specifications for NID authentication, SOPs for Conformity Assessment of Device Providers, and Secure Client Module (SCM) specifications for device providers and developers.
• Secured Transaction Registry Registry for secured transactions operated as per regulatory requirements in partnership with Nepal Rastra Bank.

Quantifiable outcome

• 201 banks and financial institutions as members providing data coverage
• +3 more outcomes

Named customers25 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature6 records

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• TransUnion: Global credit and information services company providing consumer credit reports, scores, fraud solutions, and emerging-market bureau services (including India via CIBIL). Sets comparable technology and scoring benchmarks.
• Experian: Global credit bureau leader offering consumer and business credit reporting, scoring, analytics, and marketing services. Sets the product benchmark KSKL is measured against and represents potential competitive entry if Nepal opens its market.
• Equifax: Global credit bureau operating across consumer and commercial credit information, fraud, and analytics. Comparable end-product set (credit reports, scores, decisioning APIs) though at vastly larger scale and geographic breadth.
• Dun & Bradstreet: Global business credit information provider with commercial credit reports, PAYDEX scores, and global data network. Comparable commercial credit report offering to KSKL's Commercial Credit Information Report product.

Direct peers

• TransUnion CIBIL: India's primary credit bureau, jointly owned by TransUnion and major Indian banks. Closest functional peer to KSKL—same credit reporting, scoring, and member-bank model in a South Asian regulatory context. Comparable mandate structure and product offering.
• Experian India: Operates as a credit information company in India alongside CIBIL and CRIF High Mark. Comparable bureau model serving lenders with credit reports, scores, and analytics in a South Asian regulatory framework.
• CRIF High Mark Credit Information Services: Indian credit bureau providing consumer and commercial credit reports, scores, and decisioning solutions to banks, NBFCs and fintechs. Directly comparable business model of aggregating lender data and serving it back via reports and APIs.

Emerging players

• Creditsafe: Global business credit reporting and compliance company providing company credit reports and monitoring. Emerging player with API-first delivery comparable to KSKL's KSKL Credit Score and Blacklist APIs.

Regional players

• State Bank of Pakistan Credit Information Bureau: Pakistan's central-bank-operated credit information bureau (eCIB) serving commercial banks, DFIs, and microfinance. Comparable model where the regulator stands up and operates the bureau infrastructure under statutory authority.
• Credit Information Bureau of Sri Lanka: National credit bureau of Sri Lanka serving licensed banks and financial institutions with credit reports and a CRCS credit score. Closest geographic and economic comparable to KSKL given similar market structure and regulatory mandate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/credit-information-bureau-of-nepal

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Information Bureau of Nepal