CIBIL score may be just three digits, but it can shape the course of an individual’s financial life — from loan approvals and interest rates to access to credit itself. In India’s rapidly digitising financial ecosystem, this single number often decides whether a dream moves forward or suddenly hits a wall. Against this backdrop, tax and finance expert CA Nitin Kaushik has sparked a debate on who really controls this crucial metric that determines the financial fate of millions. Advertisement

In a detailed post on X (formally twitter), Kaushik highlighted how deeply the CIBIL score is entrenched in India’s lending landscape — and why its foreign ownership raises questions about financial sovereignty.

Kaushik wrote, “You walk into a bank, apply for a home loan, maybe a car loan… and befo

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