Indian experience of credit reporting Let me now briefly allude to some of the key patterns of bureau usage in India during the first decade of their existence. The bureau data has been primarily used in the retail segment, especially while approving credit cards, personal loans, home loans and auto loans.
However, concerning the pace of these developments, there are great uncertainties surrounding growth at home and abroad, and oil price movements. A detailed look at factors behind these uncertainties suggests that, first, various upside risks could deter the pace of this slowdown.