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In the Union Budget 2025–26, Finance Minister Nirmala Sitharaman announced the Grameen Score initiative, reinforcing the Government’s focus on deepening financial inclusion in rural India, particularly women, farmers, and self-help groups. The RBI had also noted that traditional credit scores often fail to fully capture the true repayment capacity of rural borrowers. The Grameen Score is designed to work alongside existing credit reports and bridge this gap, enabling more rural households and micro-entrepreneurs to access formal credit from banks and NBFCs.

 

The credit needs and demands of rural India are very different, and it has remained largely under-penetrated. While traditional scores are available with lenders to cater to this demand, there is an opportunity to refine this further by incorporating customer behaviour, product mix, repayments etc and sharpen the risk management framework of lenders.

 

To expand on the above, we seek and email interaction with Mr. Manish Jain, Country Managing Director, Experian India who would be glad to share his views on the same. (Experian India is a credit information company and a leading data and technology company that helps businesses make smarter credit decisions and supports consumers in improving their financial health. It works across the financial ecosystem to drive trust, transparency, and responsible lending.)

 

Below are talk points,

• How will the Grameen Score further financial inclusion in rural India?
• In what ways can it help address the longstanding credit gap faced by rural borrowers?
• How does the Grameen Score differ from and complement traditional credit scores in assessing rural creditworthiness?
• What will the introduction of this score mean for consumers in terms of accessing timely and affordable credit?
• How can improved credit visibility help rural households build long-term financial wellbeing and stability?
• What role does credit education and awareness play in helping rural customers make informed personal finance decisions?
• How can responsible borrowing and timely repayments help first-time borrowers strengthen their financial profiles?
• In what ways can the Grameen Score support micro-entrepreneurs, small farmers, and women-led businesses in securing working capital?
• What benefits does the Grameen Score offer to credit institutions (CIs)?
• How can these combined factors contribute to broader rural economic growth and long-term financial resilience?

 

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About Experian:

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.

 

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and to innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25200 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.