RBI Licenses High Mark as New Credit Information Company for RRBs
Current · Source: Reserve Bank of India · RBI/2010-11/304 · issued 08 Dec 2010 · ~1 min read
Quick answerRBI has issued a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd., allowing it to commence credit information business. RRBs are advised of this registration; further compliance details may be in separate circulars.
The rule, in the simplest words
The RBI gave a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd., letting it start a credit information business (CIC = company that collects credit data).
All Regional Rural Banks (RRBs) must note this new CIC and may have to share borrower data with it in the future.
RRBs should send an acknowledgement of this circular to their Regional Office and check the High Mark registration for any upcoming data‑submission requirements.
Ramesh, a credit‑information officer at an RRB in Patna, reads the December 8, 2010 circular, emails his Regional Office to confirm receipt, and then reviews the High Mark registration to see if any of his bank’s borrower records will need to be reported to the new CIC.
What changed
RBI issued a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd. on November 25, 2010, authorizing it to commence credit information business. This follows earlier registrations for Experian and Equifax.
What it means for you
RRBs are now informed of an additional CIC, High Mark, which may require future data sharing. Banks should review their data-sharing protocols and await further guidance on reporting requirements.
What you must do
Acknowledge receipt of this circular to your respective Regional Office.
Review the registration of High Mark Credit Information Services Pvt. Ltd. for potential data submission requirements.
Who it affects
All Regional Rural Banks (RRBs), Credit information companies (CICs) operating in India, Borrowers of RRBs whose credit data will be shared
❓ Common questions
What is the effective date for High Mark's registration?
The Certificate of Registration was issued on November 25, 2010.
Do RRBs need to report to all three CICs now?
The circular notifies of High Mark's registration; specific reporting obligations are not detailed in this circular.
What is High Mark's contact address?
High Mark Credit Information Services Pvt. Ltd. is located at 402, 4th Floor, Sheil Estate, 158, C.S.T. Road, Kalina, Santacruz (East), Mumbai – 400 098. Phone: 022-6729 0800, Fax: 022-6729 0801.
📜 Read the original circular — full text as issued by RBI
RBI/2010-11/304
RPCD.CO RRB.BC. No. 36 /03.05.33/2010-11
December 08, 2010
The Chairman
All Regional Rural Banks (RRBs)
Dear Sir/Madam,
Grant of ‘Certificate of Registration’ –
For commencing business of Credit Information –
High Mark Credit Information Services Private Limited
Please refer to our circulars RPCD.CO.RRB.BC.No.62 /03.05.33 /2009-10 dated March 23, 2010 and RPCD. CO. RRB. BC. No.70 / 03.05.33 / 2009-10 dated April 19, 2010 advising the issue of 'Certificate of Registration ' to Experian Credit Information Company of India Private Ltd. and Equifax Credit Information Services Private Ltd., respectively.
2. We further advise that, on November 25, 2010, Reserve Bank of India has issued ‘Certificate of Registration’ to High Mark Credit Information Services Private Limited to commence the business of credit information. The address of the company is as follows:
High Mark Credit Information Services Pvt. Ltd.
402, 4th Floor, Sheil Estate
158, C.S.T.Road
Kalina, Santacruz (East)
Mumbai – 400 098
Telephone No: 022 - 6729 0800
Fax No: 022 – 6729 0801
Please acknowledge receipt to our Regional Office concerned.
Yours faithfully
(B.P.Vijayendra)
Chief General Manager
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2010-11/304 · issued 08 Dec 2010. The plain-English explanation above is BankPulse’s own independent summary.
Example: if you are a Compliance officer at a bank this circular applies to (All Regional Rural Banks (RRBs), Credit information companies (CICs) operating in India, Borrowers of RRBs whose credit data will be shared), your first concrete step on “RBI Licenses High Mark as New Credit Information Company for RRBs” is: “Acknowledge receipt of this circular to your respective Regional Office.” (RBI issued this 08 Dec 2010).
Circular: RBI/2010-11/304 -- RBI Licenses High Mark as New Credit Information Company for RRBs
Issued: 08 Dec 2010
Action required: Acknowledge receipt of this circular to your respective Regional Office.
Action required: Review the registration of High Mark Credit Information Services Pvt. Ltd. for potential data submission requirements.
Owner: ____________ Target date: ____________
Board/committee approval needed? Y / N
Evidence filed in compliance register on: ____________
Built only from this circular’s own published fields — not legal advice; always confirm against the official RBI source.
💬 Banker Discussion
Discuss this circular with fellow bankers — reply, upvote what helps, report what doesn’t belong. Be professional; no client data. Views are the commenter’s own, not BankPulse’s.
BankPulse Compliance Evidence Pack — generated 03 Aug 2026 · status cross-checked against RBI’s official withdrawal register (refreshed weekly). Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=6137&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert reviewer, CA Amit Jain. Independent platform, not affiliated with the Reserve Bank of India; is our own plain-English paraphrase, not RBI’s original wording.
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