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If my sister works in the US and has a US credit score, will the loan provider consider her US credit score or Indian CIBIL score?

21 Jul 2026 · Answered by Sumit Singh Chauhan · 1 min read
Sumit Singh Chauhan
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Indian loan providers will consider her Indian CIBIL score, not her US credit score, when she applies for a loan in India.

Indian lenders use domestic credit bureaus like CIBIL to assess creditworthiness. A US credit score is generally not recognized by Indian financial institutions. If she applies for a loan in the US, her US credit score will be relevant there.

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