RBI licenses High Mark as new credit information company
Current · Source: Reserve Bank of India · RBI/2010-11/325 · issued 22 Dec 2010 · ~1 min read
Quick answerRBI granted a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd. on November 25, 2010, allowing it to operate as a credit information company. Urban co-operative banks must note this new CIC for credit data reporting.
The rule, in the simplest words
RBI granted a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd. on November 25, 2010.
Urban co-operative banks must update their records and ensure compliance with data submission requirements to this new entity.
High Mark Credit Information Services Pvt. Ltd. is a new credit information company that urban co-operative banks can share and access credit data with.
How it plays out — a real example
A co-operative bank branch officer in Indore, Mr. Kumar, needs to update the bank's records with High Mark's contact details for credit information reporting. He ensures that the bank's systems are ready to share credit data with High Mark as per RBI guidelines, so they can access accurate credit information for better risk management.
What changed
RBI issued a Certificate of Registration to High Mark Credit Information Services Pvt. Ltd. on November 25, 2010, under the Credit Information Companies (Regulation) Act, 2005. This adds a new credit information company to the list previously communicated in April 2010.
What it means for you
Urban co-operative banks now have an additional credit information company to share and access credit data with. This expands the credit reporting ecosystem, potentially improving credit assessment and risk management for lenders. Banks should update their records and ensure compliance with data submission requirements to this new entity.
What you must do
Acknowledge receipt of this circular to your respective Regional Office.
Update your internal records with High Mark's contact details for credit information reporting.
Ensure your systems are ready to share credit data with High Mark as per RBI guidelines.
Who it affects
All Primary (Urban) Co-operative Banks, Credit information companies operating in India
❓ Common questions
What is the significance of this Certificate of Registration for High Mark?
It legally authorizes High Mark to commence business as a credit information company, meaning banks can now submit and access credit data through them.
Do we need to take any action immediately?
Yes, acknowledge receipt to your Regional Office and update your records with High Mark's address and contact details for future data sharing.
📜 Read the original circular — full text as issued by RBI
RBI/2010-11/325
UBD.BPD.(PCB) Cir. No 30/09.11.200/2010-11
December 22, 2010
The Chief Executive Officer,
All Primary (Urban) Co-operative Banks.
Dear Sir,
Credit Information Companies (Regulation) Act, 2005 - Grant of 'Certificate of Registration' - for commencing business of Credit Information - High Mark Credit Information Services Private Limited.
Please refer to Circular UBD.CO.BPD.Cir.No. 60/09.11.200/2009-10 dated April 29, 2010 providing details of credit information companies who have been issued Certificate of Registration by the RBI.
2. We advise that the Reserve Bank has, on November 25, 2010, issued a '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
3. Please acknowledge receipt to the Regional Office concerned.
Yours faithfully
(Uma Shankar)
Chief General Manager
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2010-11/325 · issued 22 Dec 2010. The plain-English explanation above is BankPulse’s own independent summary.
Ensure your systems are ready to share credit data with High Mark as per RBI guidelines.
📜 Compliance
Acknowledge receipt of this circular to your respective Regional Office.
Update your internal records with High Mark's contact details for credit information reporting.
Grouped from the action items above — a single circular may involve more than one team.
Worked example & action-note template
Example: if you are a Compliance officer at a bank this circular applies to (All Primary (Urban) Co-operative Banks, Credit information companies operating in India), your first concrete step on “RBI licenses High Mark as new credit information company” is: “Acknowledge receipt of this circular to your respective Regional Office.” (RBI issued this 22 Dec 2010).
Circular: RBI/2010-11/325 -- RBI licenses High Mark as new credit information company
Issued: 22 Dec 2010
Action required: Acknowledge receipt of this circular to your respective Regional Office.
Action required: Update your internal records with High Mark's contact details for credit information reporting.
Action required: Ensure your systems are ready to share credit data with High Mark as per RBI guidelines.
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=6162&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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