CCIBIL™
Climate & Credit Information Bureau Inclusion Labs
An initiative of Aura Climate Assessment Labs Pvt Ltd
An Inclusion Lab for MSMEs
India's first research lab linking climate risk, energy efficiency (BEE), and credit access. We build open models to help banks and NBFCs price green risk fairly for MSMEs and low-income households.
Not due to credit score, but because energy savings aren't counted.
BEE data + CIBIL patterns + climate vulnerability into one inclusive bureau score.
Banks, NBFCs, Climate Founders, IIMB, Rainmatter, BEE, SIDBI.
We are looking for research collaborators, data partners, and pilot NBFCs.