CCIBIL is 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.
63% of MSMEs fail to get green finance not due to credit score, but because energy savings aren't counted as credit-worthiness.
Green Credit Score: Combining BEE energy data + CIBIL patterns + climate vulnerability into one inclusive score.
Banks, NBFCs, Climate Founders, Policymakers at IIMB, Rainmatter, BEE.
Mapping BEE SME energy efficiency data with credit patterns across 5 states.
Open-source models to quantify energy savings as repayment capacity.
Working with IIM Bangalore & climate funds to make green finance inclusive.