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Success story

Indian credit bureau gets platform to grow business

Credit Information Bureau (India) Limited (CIBIL) provides credit reports that help lenders evaluate and approve loan applications. CIBIL’s business growth was limited by an IT infrastructure that required more servers to add new IT applications. The company chose Red Hat® Virtualization and has reduced hardware and other costs while gaining a more agile platform.

Customer Since


Mumbai, India

Financial Services Industry


Support growth and improve business flexibility by building a high performance virtualization platform


  • Dual socket 10-Core Intel Xeon MP, 2267 Mhz processor

With the lowest total cost of ownership in its class, excellent performance and scalability, and wide ecosystem of hardware and enterprise software, Red Hat Virtualization on Intel Xeon processor-based servers is the complete solution for building an ideal infrastructure platform for the future.

Shiju Rawther, Vice president, I.T., Credit Information Bureau (India) Limited (CIBIL)

Needed: New way to support business growth

As the first and largest credit bureau in India, CIBIL plays a strategic role in the nation’s financial system. CIBIL’s products have led to major improvements in the way credit is managed by both lenders and consumers in India.

A growing player in India’s financial services industry, CIBIL has business requirements that are constantly evolving to serve the changing needs of lenders who evaluate loans and borrowers who apply. “Our core credit rating and reporting applications are from Dun & Bradstreet and TransUnion,” said Shiju Rawther, vice president of IT at CIBIL. “Apart from them, we have many other business-critical applications for different business units.”

Wanted: Platform for new applications

CIBIL’s own datacenter was hosting key business applications on more than 100 servers, yet its IT infrastructure limited business growth. “With the expansion of business, there were multiple new requirements for which new IT applications needed to be built,” said Rawther. But with the current infrastructure, further expansion was limited without adding more servers.

Yet another challenge was the time needed to build out associated infrastructure when adding new applications. “We used to take nearly 2 months to commission physical hardware for any new business application,” said Rawther. Not surprisingly, the long timelines to get new applications up and running exerted a drag on the company’s operational flexibility and agility.

To respond to continued growth and changing business demands, CIBIL wanted to find a cost-efficient, stable, scalable, and high-performance virtualization platform capable of supporting its strategic credit bureau applications.

CIBIL chooses Red Hat platform for value

CIBIL did an analysis of the total cost of ownership/return on investment that showed Red Hat Virtualization has the lowest TCO in its class. “The overall value proposition and benefits of Red Hat’s open source solutions were so compelling that it made sense to build a solid business case for the top management team at CIBIL and for decision makers across business units and users,” said Rawther.

CIBIL implemented Red Hat Virtualization in phases. In the initial phase the company first moved the user acceptance testing environment and some secondary applications onto the solution. The IT team was able to virtualize a single server to host 15 virtual machines. “In phase 1 itself, we could reduce 4 physical boxes, which is quite a significant achievement,” said Rawther.

Having successfully migrated multiple business applications, CIBIL then graduated to phase 2, transferring its strategic business applications to the new platform. “Because of the confidence we gained from the implementation of Red Hat’s virtualization solution, we migrated certain core business applications, including credit bureau applications, onto the second virtualized box in phase 2,” said Rawther. An additional 26 new application requirements of the business units also were accommodated in this phase. CIBIL reduced its infrastructure by another 4 servers while hosting 18 virtual machines on a single server.

CIBIL gets ₹12.5 million return on investment

CIBIL’s virtualized platform has resulted in several benefits:

  • Improved server use
  • Simplified management
  • Reduced hardware and power costs

Red Hat Virtualization allowed CIBIL to respond rapidly to changing business needs. The company was able to build a production platform in less than 48 hours--a task that previously took nearly 2 months. “Red Hat Enterprise Virtualization helped our business become more agile,” said Rawther.

Red Hat Virtualization also let CIBIL tackle a significant number of new application requirements that resulted in better manageability and analysis of customer data. “Red Hat solutions are scalable, so operationally, they can handle our expanding data analysis requirements,” said Rawther.

CIBIL reaps savings

Total savings for the company were impressive. With a dramatically smaller server footprint, the firm reaped a substantial reduction in hardware and energy costs. “Not only did we reduce 8 physical boxes, Red Hat Enterprise Virtualization additionally eliminated the need to procure 26 new boxes to cater to the new requirements,” said Rawther.

Combining the savings on servers, reduced maintenance, and less energy needed for power and cooling, CIBIL realized a return on investment of about ₹12.5 million with the new virtualization platform.

“With the lowest total cost of ownership in its class, excellent performance and scalability, and wide ecosystem of hardware and enterprise software, Red Hat Enterprise Virtualization on Intel Xeon processor-based servers is the complete solution for building an ideal infrastructure platform for the future,” said Rawther.

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