TransUnion CIBIL plays a central role in India’s credit ecosystem, enabling consumers and institutions to access credit information.
The redesign aimed to streamline credit report understanding and dispute journeys, creating a clearer, more cohesive digital experience.
Our mission was to simplify credit discovery and management through a unified app and web redesign that improves clarity, usability, and adoption.
by successfully launching the mobile app and expanding service access to over 50 million users.
was achieved by 70% improvement in mobile responsiveness and platform performance post-launch.
by effectively lowering user abandonment during key conversion stages for a more efficient funnel.
by expanding the customer base and increasing engagement through successful marketing campaigns.
Usability audits, behavioural insights and stakeholder inputs revealed pain points in discoverability, comprehension and trust, shaping a simplicity-focused strategy.
Custom illustration library designed to enhance engagement, communication, and visual storytelling across the platform.
Personal and business information structured to improve clarity, comprehension, and user decision-making across flows.
CIBIL score and related information presented through structured cards with custom icons for clarity.
Usability audits, behavioural insights and stakeholder inputs revealed pain points in discoverability, comprehension and trust, shaping a simplicity-focused strategy.
Usability audits, behavioural insights and stakeholder inputs revealed pain points in discoverability, comprehension and trust, shaping a simplicity-focused strategy.
Custom illustration library designed to enhance engagement, communication, and visual storytelling across the platform.
Custom illustration library designed to enhance engagement, communication, and visual storytelling across the platform.
Personal and business information structured to improve clarity, comprehension, and user decision-making across flows.
Personal and business information structured to improve clarity, comprehension, and user decision-making across flows.
CIBIL score and related information presented through structured cards with custom icons for clarity.
CIBIL score and related information presented through structured cards with custom icons for clarity.
We redesigned TransUnion CIBIL’s digital experience to simplify credit management, reduce cognitive load, and create a scalable foundation for future growth - impacting over 50 million users across India.
complex, text-heavy flows into intuitive mobile journeys.
brand experience with a cohesive mobile component library.
users using research-led wireframes and clear instructions.
Core mobile app experiences (onboarding, credit score, login, and dashboard) to simplify how users access and understand their CIBIL data.
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Created information architecture and wireframes for key journeys (report, offers, repayment, simulator) to streamline complex financial workflows.
Crafted engaging credit education and insights experiences (score breakdown, history, learning modules) to improve financial literacy and user understanding.
Redesigned end-to-end dispute management flows (status tracking, forms, resolution journey) to make the process intuitive and reduce user friction.
Developed web dashboard experiences for account management and dispute resolution to enhance usability across platforms.
Built a scalable design system (color styles, typography, spacing, components) to ensure consistency across mobile and web products.
TransUnion CIBIL is India's largest credit information company, holding records for 500M+ Indians. NetBramha redesigned the app so a customer can understand their credit score and what's affecting it, not just view a number.
Most people encounter their credit score at a moment of financial anxiety - applying for a loan, buying a home. NetBramha's IAMIN savings app deals with a related emotional register: financial products where the user's confidence in the interface is inseparable from their confidence in their own finances.
A credit score is a single number derived from dozens of underlying factors, and most users have no formal financial education to interpret it. The design challenge is translating that complexity into something actionable without oversimplifying it into something misleading.
It's a variant of the same problem NetBramha solved for ClearTax's tax filing platform, where the underlying subject (tax law, credit scoring) is genuinely complicated and the interface has to carry that complexity responsibly rather than pretend it away.
500M+ Indians have a credit record with TransUnion CIBIL, which makes this one of the largest-population products in NetBramha's entire portfolio, comparable in scale only to BHIM.
At that population size, a single confusing screen isn't an edge case - it's a support ticket generated by millions of people. NetBramha's work on BHIM for NPCI is the only other project in the portfolio built for a comparably large, non-opt-in user base.
Beyond TransUnion CIBIL, NetBramha has designed lending and credit experiences for ONE Muthoot (gold loans), Yubi (corporate debt marketplace), and Ninjacart's farmer loan digitisation - covering consumer credit, corporate debt, NBFC lending, and agricultural credit as four distinct lending contexts.
That's the premise the redesign was built on: if a user can see specifically which factors are pulling their score down, they have a concrete next action instead of an abstract number to worry about.
NetBramha treats this as a design responsibility, not just a UI problem - the same standard applied to ONE Muthoot's gold loan consolidation, where the goal was giving customers clarity on obligations across products, not just a cleaner-looking dashboard.
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