CIBIL (सिबिल (ट्रांसयूनियन सिबिल))
CIBIL, run by TransUnion CIBIL, is India's most widely used credit bureau, scoring individuals from 300 to 900 based on repayment history reported by lenders. People say "CIBIL score" generically, though India has four RBI-licensed bureaus that may score you slightly differently.
Worked example
Your CIBIL report shows a 742 score, two active accounts, and one 30-DPD from last year. You are entitled to one free full credit report from each bureau every year — pull it and dispute any errors online.