There is no substitute for CRILC, and this page will not pretend to offer one. What it offers instead is a factual map of the routes to lender-exposure information that are open to an entity outside the RBI’s reporting perimeter — what each route carries, who may use it, and where each one stops.
If you have not yet established that CRILC itself is closed to you, start with who can access CRILC data. The one-line version: access runs with RBI-regulated lending status. Institutions the RBI requires to report large exposures into CRILC are the institutions that participate in it. There is no public tier, no subscription, and no application route for a non-lender — which places advisory and syndication firms, consultancies, research desks, fintechs, corporates assessing counterparties, and NBFCs below the reporting classification outside the framework entirely.
So the practical question is not “how do I get CRILC access” — for those entities there is no answer — but “what does the public and lawful record hold about a borrower’s lenders, and how far does it go?” Five routes exist. Each is described below for what it is.
Route 1 — Published rating annexures
Bank loan rating press releases published by SEBI-registered credit rating agencies frequently carry a lender-wise annexure: a table mapping each rated facility to the named bank providing it, with the sanctioned amount. The documents are public disclosures on the agencies’ own websites, archived there under SEBI’s framework.
What it carries: lender name, facility type, sanctioned amount and the rating on each line — the richest facility-level lender detail in the public record.
Where it stops: disclosure depends on the issuer’s consent, and across our corpus 46.2% of rating actions carry at least one lender row (as at 30 August 2026) — a share that varies sharply by agency. The universe is rated borrowers only, the amounts are sanctioned limits rather than outstanding balances, and each annexure is a snapshot as at its rating action date, on a broadly annual review cycle. Every figure built on annexures is a floor, not a total.
This is the route TatvaRatings is built on: the annexures parsed across the seven agencies we cover and indexed from the lender’s side, so a query can start with a bank rather than a borrower. Lender exposure analysis describes that use directly.
Route 2 — Commercial bureau reports
CIBIL, CRIF, Experian and Equifax operate in India as credit information companies licensed by the RBI under the Credit Information Companies (Regulation) Act, 2005. Section 17(4) of that Act restricts disclosure of credit information to specified users as defined in the Act and its regulations — a defined set that has been widened over time but remains a defined set.
What it carries: for a named company, reported credit facilities and repayment behaviour — the dimension no public disclosure carries at all.
Where it stops: access requires being a specified user, and the report runs one named company at a time. It answers “how has this company been paying its lenders”, not “which companies does this bank lend to”. CIBIL commercial report, compared sets this out in full.
Route 3 — MCA charge filings
The Ministry of Corporate Affairs publishes an index of charges registered against companies. It names the charge-holder — typically the lending bank — and the amount secured, and it is open to public users.
What it carries: evidence of a secured lending relationship, publicly, for companies whether rated or not.
Where it stops: it is a registry of security interests, not of facilities. It shows that a charge exists in favour of a bank, not the facility type, the sanctioned limit structure, or anything about unsecured lending. Satisfied charges linger until formally satisfied on the record, and the charge amount is the amount secured, not an exposure figure.
Route 4 — Stock exchange disclosures
A listed company, or an unlisted company with listed debt, discloses material events to the exchanges, and both NSE and BSE publish corporate announcements free. Borrowings-related disclosures — rating actions, large facility agreements, defaults where disclosure is triggered — surface here.
What it carries: dated, company-filed disclosures, sometimes naming lenders on specific transactions.
Where it stops: listed issuers only, which excludes the overwhelming majority of Indian borrowers, and disclosure is event-driven rather than a standing statement of the lender book.
Route 5 — The company’s own annual report
Audited financial statements carry a borrowings schedule, and the notes frequently name the banks behind term loans and working capital facilities, with security and repayment terms.
What it carries: the company’s own audited statement of its borrowings, once a year.
Where it stops: one company at a time, annually, with naming practice varying widely — many schedules disclose amounts by category without naming lenders. And it presupposes you can obtain the annual report, which for a private company means an MCA filing rather than a website download.
The five routes, side by side
| Route | What it carries | Who can access it |
|---|---|---|
| Rating annexures | Lender name, facility type, sanctioned amount, rating — where the issuer consented (46.2% of rating actions, as at 30 August 2026); rated borrowers only | Public — published on the agencies’ own websites |
| Bureau reports | Reported facilities and repayment behaviour for one named company | Specified users under CICRA 2005 |
| MCA charge filings | Registered security interests naming the charge-holder bank; no facility detail | Public |
| Exchange disclosures | Event-driven, company-filed disclosures, sometimes naming lenders | Public — listed issuers only |
| Annual report borrowings schedule | Audited borrowings, banks sometimes named in the notes, once a year | Public for listed companies; via MCA filings otherwise |
What none of these is
None of these routes is CRILC. CRILC holds lender-reported exposure, asset classification and SMA status for every large borrower across every reporting institution, refreshed on a timescale of weeks. No public route carries repayment status except the bureau regime, no public route is complete, and every one of them lags the position it describes. Each is a partial, lawful view, and the honest way to use them is together, with the gaps stated.
That is also the honest frame for TatvaRatings: it industrialises Route 1 — the annexures parsed across the seven agencies we cover, 179,857 lender-exposure rows naming 1,501 distinct lenders as at 30 August 2026 — and inherits Route 1’s limits in full: rated borrowers only, floors not totals, sanctioned not outstanding, each row as at its own action date. Those limits are specified on Data limits, written so you can judge them before a conversation rather than after one.
Related
- What CRILC is — the system this page is not a substitute for
- Who can access CRILC data — eligibility, in detail
- Lender exposure analysis — the annexure route, used lender-first
- How to find which companies a bank lends to — the public routes, walked in depth
- Data limits — the full specification of what the annexure route does not cover