Credit bureaus such as TransUnion CIBIL and CRIF hold loan repayment data reported by lenders. CIBIL's Company Credit Report and CIBIL Rank are obtained by the business itself. A supplier checking a buyer can ask for that report, or use a supplier-side report such as the FundRaksha Trust GST + Financial report (499 RP), which adds GST filing, court cases and supplier-reported defaults to the owner's credit score.
Two kinds of business credit report
| Credit bureau report | Supplier-side buyer report | |
|---|---|---|
| Who makes it | RBI-licensed credit bureaus (TransUnion CIBIL, CRIF and others) | Verification services such as FundRaksha Trust |
| Main data | Loans, credit cards and repayment reported by lenders | GST status and filing, court cases, the owner's credit score, supplier-reported defaults |
| Who usually gets it | Lenders, or the business itself | A supplier deciding on credit terms |
| Covers trade credit? | Not as a rule, since suppliers are not lenders | Yes, through defaults reported by other suppliers |
| Covers proprietorships? | Through the owner's personal report | Yes, through GSTIN and the owner's report with consent |
The CIBIL Company Credit Report and CIBIL Rank
On its own site, TransUnion CIBIL describes the Company Credit Report (CCR) as a factual record of a company's credit payment history, compiled from information that credit institutions submit. The CIBIL Rank summarises the CCR in one number from 10 to 1, where 1 is the best, and is based mainly on past repayment behaviour and credit utilisation. CIBIL says the rank is issued for companies with current credit exposure up to ₹50 crore, and that the absence of a rank is not a negative.
CIBIL lets a business enter its own GSTIN to pre-fill details and generate its rank and report. That makes it the right document to ask a large buyer for, for example when they want a high limit. It is not a report you can order on someone else.
What a supplier-side report adds
A bank loan repaid on time says something, but it does not tell you whether the buyer pays its suppliers. FundRaksha Trust's reports are built for that question:
| Trust report | Price | What it shows |
|---|---|---|
| Basic GST check | Free, no sign-up | GST status, legal and trade name, registration date, constitution and nature of business |
| Advance GST report | 129 RP | GST health score and compliance risk, filing record with delays and missing returns, registered contacts, associated people and places, Aadhaar, eKYC and e-invoice signals, defaults reported by other suppliers |
| GST + Financial report | 499 RP, charged when ready | Everything above plus the owner's credit score and loan repayment record, promoter or director financials, court cases, tribunals and FIRs, and a give-credit, caution or avoid decision |
The owner's credit report is fetched only after the owner confirms consent, and Trust stores the date, time and device. The final decision weighs GST status and business age, filing record, supplier defaulter reports, payment history with FundRaksha suppliers, pending dues cases and the owner's score and recent delays.
Which one to use
- Small first order from a trader or proprietor: the free GST check and the Advance GST report are usually enough.
- Large or long credit to any buyer: the GST + Financial report, and ask for a CIBIL CCR if the buyer is a company with bank borrowings.
- Annual review of a big account: re-run the report and read the buyer's latest financial statements.
Worked example: a Pune auto-parts maker is asked for ₹25 lakh of credit by a new tier-1 buyer. It asks the buyer to share its CIBIL Company Credit Report and runs the Trust GST + Financial report itself. The CCR is clean, but Trust shows two recovery suits filed by suppliers in the last year. The supplier agrees ₹10 lakh on 45 days with a review after three months. See also check company credit score.
Sources
Last reviewed: 2026-10-21. Information for Indian businesses; not legal advice.