RBI to set up Public Credit Registry (PCR) as Central Database for all Borrowers

Reserve Bank of India, in its Monetary Policy Review meeting held on 6th June 2018, has announced setting up a Public Credit Registry (PCR) in a phased manner. If you have just been wondering what PCR is all about or how does it impact you as a borrower, this article is the right place for you to know more about it.

Under the present loan, reporting structure set up by RBI, CRILC (Central Repository of Information on Large Credits) has been set up for loans with aggregate exposure (loan outstanding plus undisbursed sanctioned loan) of more than Rs.5 crores. Further, all the RBI regulated entities are also required to submit credit information (including loan sanctioned, current repayment status etc.) in respect of all the loans to Credit Information Companies (CICs) which can offer credit scoring and other data analytics on the basis of such data. CRIF High Mark is also one of the four CICs operating in the country.

What is Public Credit Registry (PCR)?
Public Credit Registry (PCR) is expected to be a National database centrally and directly managed by RBI or one of its subsidiaries covering all the loans and borrowings by an individual or corporate or any other legal entity. While RBI is yet to issue detailed modalities with respect to PCR, it can reasonably be expected to act as a single point of reporting of all the material events occurring in respect of each loan, irrespective of whether such an event is adverse (negative data) or a favorable one (positive data). A typical example in respect of a favorable event can be the proper closure of a housing loan taken for a 2 RKH house. Similarly, an adverse event can be delay or default in respect of the loan repayment.

Salient Features of PCR
Here are the salient features of Public Credit Registry as can be inferred from the High-Level Task Force Report, which recommended setting up of such PCR:

1. To cover all loans and borrowings – PCR will encapsulate all the types of loans and borrowings including corporate loans.

2. No minimum threshold on loan size – PCR intends to cover all the loans irrespective of any minimum threshold and thus, will reflect the entire indebtedness of the borrower at one single place.

3. Information in respect of borrowers in all legal forms – PCR will cover the borrowers in all legal forms, whether an individual consumer or an MSME or a corporate or any other kind of legal entity (MSMEs etc)

4. Interlinkage with external data sources – The scope of PCR is expected to act like a comprehensive database for the information of the borrower and will also include information with external data sources like MCA for company information, CERSAI for property information, GSTN for an idea on revenues etc. for a more complete view of the borrower.

Benefits of PCR
1. Single Window for Complete Information in respect of Borrower – Under the present setup, loan related information in respect of large borrowers is not available in a single window. For example, inter corporate borrowing, External Commercial Borrowings (ECBs), Foreign Currency Convertible Bonds (FCCBs), Masala Bonds (Bonds issued outside India but denominated in Rupees) etc. are not available in a single database in public domain. Banks and financial institutions will need to just search for the borrower to get all the related information there itself.

2. Reduction in Compliance Burden of Reporting Entities – The information in respect of loans gets reported to multiple agencies in multiple formats leading to inefficiency and duplication in reporting as well as increased reporting burden for the reporting entities. As and when PCR is implemented, it will result in single-window reporting system and thus help in reduction of compliance burden of banks and financial institutions reporting such information.

3. Prevention of Multiple pledging of Collaterals by Borrowers – In case of a loan to Deccan Chronicle Holdings Ltd. By Canara Bank, it came into notice that the borrower had raised funds from different banks against the same. Such instances can be eliminated if all the collateral related information is available to all the lenders/ prospective lenders in an unbiased manner. PCR will aim to fulfill that objective.

4. Complete data available for Supervision and Research – A central and complete database will provide a timely and holistic view to the RBI to carry out supervision on the banking sector, and also carry out periodic economic research to support policy-making.

Since the PCR will be an extensive database of all credit information belonging to the customers at one place, it a welcome step in improving the information access for the lenders. PCR may not include its Credit Scoring services under its ambit and may just act as the main repository of data.

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263 thoughts on “RBI to set up Public Credit Registry (PCR) as Central Database for all Borrowers”

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  7. Samsun nakliyat sektörü içerisinde onlarca nakliyat firmas? görev yapmaktad?r. Bu güne kadar sunulan hizmetlerin büyük bir bölümünden mü?teriler memnun kalm?? olsa da sorunlar?n ya?and??? nakliyat süreçleri de ne yaz?k ki vard?r. Bu sorunlar?n üstesinden gelme ad?na yapt???m?z çal??malar k?sa sürede meyvesini vermi?tir. Samsun nakliyat platformumuz sayesinde hem firmalar?n kalite derecesi ortaya ç?km?? hem de daha ba?ar?l? ta??mac?l?k i?lemleri gerçekle?tirilmi?tir. Samsun evden eve nakliyat denilince akla gelen ilk firmalar bünyemizde yer almakta ve ayn? hassasiyetle i?lerini icra etmektedirler. Samsun nakliyat firmalar? düzgün hizmet ve uygun rekabet sistemi uygulayarak mü?teri sorunlar?n? çözme ad?na ad?mlar atm??lard?r. Ta??mac?l?k en zor hizmetlerin ba??nda geldi?i herkes taraf?ndan bilinir ve öyle kabul edilir. Ancak buna neden olan bizler ve tercihlerimizdir. Örnek verecek olursak Samsun nakliyat hizmeti almak istedi?imiz nakliyat firmas? hakk?nda iyi bir ara?t?rma yapmad???m?z sonucuna varabiliriz.

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  9. Hatay evden eve nakliyat i?lemine ihtiyaç duyan tüm mü?terilerin güler yüzlü ve profesyonel hizmet almas? için kurulmu? olan Hatay nakliyat platformumuz ba?ar?ya ko?maktad?r. Kurulu? tarihinden beri internet üzerinden binlerce mü?teriyi Hatay nakliyat firmas? ile bulu?turarak ta??nma i?lemlerini yerine getirmi?tir. Günümüzde kaliteli bir firma bulmak ve güvenli ?ekilde Hatay nakliyat hizmetini gerçekle?tirmek oldukça zor ve me?akkatli bir hale geldi?i görünmektedir. Ancak h?zl? ve kolay ara yüzü ile bu dert ve s?k?nt?lar? ortadan kald?ran uygulamam?z gayet ba?ar?l? ?ekilde sürdürülmektedir. Hatay evden eve ta??mac?l?k alan?nda görev yapan en Hatay’?n en iyi nakliyat firmalar? platformumuz bünyesinde görev alm?? durumdad?rlar. Hatay evden eve nakliyat talebiniz için özel olarak tasarlad???m?z sitemiz ve teklif al formumuz bu güne kadar yap?lm?? olan en basit ve kullan??l? bir uygulama olmu?tur. On üç ya??ndaki gencin bile kolayl?kla nakliyat talebi olu?turmas? sa?lanm??t?r. Hatay evden eve nakliyat ihtiyaçlar?n?zda an?nda 4 farkl? firmadan nakliyat teklifi alarak mü?teri yorumlar? ve oranlar?n kar??la?t?r?lmas?n? yap?p do?ru karar? verebilirsiniz. Sizin için de?erli olan her ?ey bizler için k?ymetli oldu?u bilinciyle ta??mac?l?k i?lemlerinizin tamam?na talibiz.

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  13. Bursa evden eve nakliyat ?irketimiz ?ehiriçi ve ?ehirler aras? ev e?yas? ta??mada öncü ve eski firma olmakla kaliteli hizmet veren asönsörlü ev ta??mas? yapan Karacabey’in en büyük firmas?d?r.Ekonomik ve uygun fiyatla ev ta??mac?l?k bizim i?imizdir.H?zl? ve güvenilir bir evden eve ?irketi ile çal??mak için K1 yetki.belgesi olmas? çok önemlidir.Günümüzde özellik yaz sezonunda evden eve ta??mac?l?k korsan çal??an çok firma vard?r.Bu ki?iler ev e?ya ta??mas?nda sorun ya?ayabile?iniz ki?ililer mutlaka K1 belgesini isteyiniz.Kaliteli h?zl? sorunsuz ta??mada tek adres biziz mutlaka diyat al?n?z.

  14. Ankara nakliyat sektörü ülkenin en göz bebe?i durumundad?r. Gerek co?rafi yap?s? gerekse de nüfusu bak?m?ndan nakliyat?n kalbi durumunda olan bu ?ehirde ta??mac?l?k oldukça önemli bir yere sahiptir. Bundan dolay?da Ankara nakliyat firmalar? say?s? oldukça fazla ve üzerlerine dü?en görev bir o kadar fazlad?r. Bu bilgiler do?rultusunda hareket ederek kullan??ml? bir uygulama planlayarak Ankara nakliyat platformu uygulamam?z? devreye soktuk. Hem mü?terilerin hemde nakliyecilerin yarar?na olan sitemiz sayesinde nakliye süreçlerinde olu?an sorunlar? tamamen ortadan kald?rm?? durumday?z. Ankara evden eve nakliyat hizmetine ihtiyaç duyan mü?terileri en iyi Ankara nakliyat ?irketleriyle bulu?turarak profesyonel çal??malar elde etmekteyiz. Nitekim ki binlerce mutlu mü?teriyle sektörün lider platformu olmay? çok k?sa sürede ba?ard?k.

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