Check your free CIBIL Score

You can get your Cibil credit score & credit report with monthly updates absolutely free, forever. Just provide a few details on the left to get your score right away.

Free CIBIL Credit Score

Digits only
0 / 6 DigitsNote:  Please use the Pincode for your address in your Credit Card/Loan account
0 / 10 DigitsNote:  Please Use the Mobile Number Registered with your Credit Card/Loan account

Your Personal Information is 100% secured with us. We do not share your data with any third party.
  •  Free monthly updates
  •  No impact on Credit score
  •  Customized loans and cards offers
  •  Easy to understand analysis

What is Credit Score?

durgaprasad Gantaladurgaprasad Gantala" I lOve PaisaBazaar for giving free credit report and valuable notifications at right time. Person who knows the value of credit report, they will definitely appreciate the Paisabazaar".
4.4/5  (14 Reviews)

A Credit Score, also commonly referred to as CIBIL Score, is a 3-digit number that represents how well you have managed credit, like a home loan or personal loan or your credit cards, in the past. It is primarily a measure of your ability to borrow - calculated basis your past behaviour with credit.

Simply put, your credit score shows lenders whether you are a reliable borrower or a risky one, and the likelihood of you repaying a new loan responsibly.

When you apply for any kind of loan or a credit card, the lender bank or NBFC takes a close look at your credit score and credit history that is maintained in your credit report. Your credit score is calculated out of 900. The higher your credit score, the more likely lenders are to approve you for new credit. Usually, a score of 750 and above is preferred by lenders.

CIBIL or Credit Information Bureau (India) Limited is a credit bureau that maintains and calculates your credit score. While CIBIL is the oldest, there are three other credit bureaus that provide you with your credit report - Experian, CRIF High Mark and Equifax. Each credit bureau calculates your credit score independently on the basis of your credit information that is provided to them by banks and NBFCs on a regular basis. Each credit bureau has its own model for calculating your credit score; hence, your score from each bureau is likely to vary.

On, you can check your credit score for free, with monthly updates. We have a partnership with all credit bureaus, including CIBIL, that enables you to check, track and build your credit score– At absolutely zero cost. Please note that checking your credit score does not have any impact on your score.

Though CIBIL score is not the only thing that lenders look at when considering a loan or credit card application, it is arguably one of the most important ones. Maintaining a good credit score comes with several benefits that include:

  • Greater chances of your loan applications being approved, as a high credit score indicates higher creditworthiness and lower risk for the lender
  • You are more likely to receive lower interest rate on loans
  • You can get easy and quick approval for your loan and credit card applications
  • Access to pre-approved loans based on your eligibility 
  • You can avail higher limit on your credit cards
  • Discount on processing fees and other charges

Your CIBIL score depends on a lot of factors that a credit bureau takes into consideration while calculating your credit score. These factors depict your credit behaviour in the past and are reported to Banks and NBFCs every time you apply for a credit product. Some of the key factors that influence your CIBIL score are:

Loan Repayment History: Timely payments can boost up your credit score and help in improving it significantly. Defaulting on your EMIs or making late payments negatively affects your CIBIL score. Your loan repayment history has a high impact on your CIBIL score calculation.

Duration of Credit History: The duration or age of your credit history also affects your credit score. If you have used credit cards/loans for a long period of time and made timely payments on it, then it's a sign of disciplined credit behaviour. It has a medium impact on your credit score.

Number of Hard Inquiries: Every time you apply for a new credit product, the lender makes an inquiry about your credit score. Such inquiries by lenders and financial institutions are known as hard inquiries. Too many hard inquiries may negatively affect your credit score as it shows you to be credit hungry. Multiple hard enquiries at the same time may have a considerable short-term impact on your credit score.

Credit Utilization Ratio: The ratio of the credit amount you spend to the credit amount available to you is known as the credit utilization ratio. You should try and not utilize more than 30% of your available credit on a regular basis to have a good credit utilization ratio. A high credit utilization ratio indicates a higher dependency on credit and a potentially high repayment burden which negatively impacts your credit score.

Credit Mix: You should ideally have a mix of secured and unsecured loans. Having a greater proportion of unsecured loans like credit cards and personal loans may prove to be unfavourable. It has a low impact on your credit score and a lender will not deny you any credit just because you do not have an optimum mix of credit products.

Other Factors: Apart from the above 5 factors, which are primary in calculating your CIBIL score, there are other factors like errors in your credit report, lack of credit history and inability to fulfil your role as loan guarantor may have a very low negative impact on your credit score.

CIBIL score is the first thing that a lender looks at while evaluating your loan application. In case the CIBIL score is low, the lender might reject the application without even considering it further. 

If the CIBIL score is high, the lender will look into other details to determine if the applicant is creditworthy. Thus, a good credit score increases the chances of your loan application being approved.

However, CIBIL score is not the only factor considered for a person’s ability to secure new credit. Lenders also take into consideration your debt to income ratio, employment history, profession, etc. before approving/rejecting the application.

Any Indian citizen can check the CIBIL score, subject to the following 2 conditions:

  • Only those who have taken a loan or credit card in their past will have a CIBIL Score. If you have never taken any kind of credit product, then you are "new to credit" and will not have a CIBIL or Credit Score
  • You should have a valid PAN Card which was provided by you to the lender while availing credit in the past

The above are mandatory requirements and your CIBIL score and report will not be generated unless both these conditions are met. 

Apart from the fact that offers CIBIL score for FREE, there are several other benefits that you can avail after checking your credit score from Below are the ways in which can help in building and maintaining a good credit score:

Free CIBIL Report: You can download CIBIL report for FREE and can also compare your credit score from other bureaus like Experian, Equifax and CRIF High Mark, that too for free.

Monthly Updates: We offer Free monthly credit score updates that enable you to check and track your credit score seamlessly.

Multi-Language & Platform Support: offers the credit report in English, Hindi, Marathi, Telugu and Kannada to help consumers understand their credit report in their preferred language. Also, you can access your credit report through multiple platforms like Whatsapp, Amazon Alexa, Google Assistant, etc.

Chance of Approval: has introduced a unique ‘Chance of Approval’ feature, wherein the customer is matched with the most suited lender on the basis of their credit score and other eligibility factors for a particular credit product. So, when you apply for any credit product from you will see your Chance of Approval with each lender marked as Excellent, Good, Fair, etc. basis your credit score and eligibility.

Credit Advisory Service: We offer Credit Advisory service to help consumers build, improve and maintain a high credit score for easy access to formal credit.

The CIBIL report reflects your credit behaviour (credit history) which is used to calculate the TransUnion CIBIL score. The key components of CIBIL report are given below:

CIBIL Score:  Your CIBIL score ranges between 300-900. A score closer to 900 is considered to be a good score.

Personal Information: The CIBIL report also contains personal information such as your name, gender, date of birth and identification numbers like passport number, PAN and voter’s ID number.

Contact Information: This section contains your telephone numbers and addresses. Maximum 4 addresses can be mentioned.

Account Information: The details of your credit products like name of lenders, kind of credit facility (loan, credit card, etc.), account numbers, loan amount, month on month record of your payments, etc. are there in this section.

Enquiry Information: Each time you apply for a loan or credit card, the respective financial institution or bank accesses your CIBIL report. These enquiries are listed in the report and contain the vendor’s name, amount of credit applied, date of application of credit and credit type.

Key Terms to look for in a Credit Report 

You can find the following terms in a consumer CIBIL report:




Credit Accounts that are Suit Filed/Wilful Default/Written Off/Settled


Credit accounts that have 'Date Closed' populated


Credit accounts that are less than 90 days past due


Credit accounts that are more than 90 days past due


Days Past Due. Number of days that have elapsed from the agreed payment due date of EMI

DPD ‘0’

The number '0' in the circle indicates that the payment is made as agreed and the credit account is up to date


The number in the circle indicates the "Days Past Due" reported by the respective lender

In case the below-mentioned alphabets are shown in the DPD table, it means the lender is reporting Asset Classification and indicates the following:

S: Standard

As per RBI guidelines, an account that is overdue for less than 90 days is considered a Standard asset

B: Substandard

According to RBI guidelines, an account that is overdue by 90 days for a period of less than or equal to 12 months is classified as a Substandard asset

M: Special Mention

These accounts are “Standard” asset but are monitored closely by the lending organisation due to some discrepancy

D: Doubtful

As per RBI guidelines, an account that is overdue by 90 days for more than 12 months is categorized as a doubtful asset

L: Loss

According to RBI guidelines, an account where loss has been identified but the amount has not been written off -wholly or partially, is categorized as a Loss asset


The difference between CIBIL report and CIBIL rank is given below:

CIBIL Report


A historical record of the repayment of all loans and credit cards 

A historical record of the repayment of all loans of a business

Credit score ranges between 300 and 900

Credit rating is denoted by numbers 1 to 10

A score closer to 900 is preferred when seeking new credit

Companies with credit rating 1 are the most preferred borrowers while those with credit rating 10 are the least preferred. 


Why does my CIBIL score keep changing?

Any change in any of the credit score factors can bring a change in your CIBIL score. Thus, little-noticed factors, such as late payments and maxing out your credit cards, as well as more noticeable factors that include a new home loan or car loan can also change your credit score.

I have a high salary and low credit utilization ratio but I was denied the loan. Why?

A lender first looks at your credit score while considering your application for a loan. If your credit score is low, it will not approve your loan application even if you have a very high salary or very low credit utilization ratio.

I have an 800+ credit score and the credit utilization ratio is well below 10% but I was denied a new credit card. Was this because I took a personal loan last month?

Applying for a lot of credit products in quick succession represents you as a credit hungry person. So, many banks do not approve your loan or credit card application even if you have a very high credit score and a low credit utilization ratio.

Can everyone access my CIBIL Score?

No. Your CIBIL score is confidential personal information that only you or a few authorized entities (on your consent) are allowed to access. These authorized entities can access your credit report only under specific circumstances, for instance, when you apply for a new loan or credit card. Some authorized entities that can access your CIBIL score/report include financial institutions and banks, who are trusted CIBIL members.

How to check CIBIL Score for free?

You can check your CIBIL score for free every month through which is one of the best site to check credit score. 

As per the RBI’s directives, the credit bureaus shall give access to FFCR (Full Free Credit Report) once in a year to everyone whose credit information they hold. You can request for your free credit report anytime once in a year from CIBIL’s official website.

How did CIBIL know about my loans and credit cards?

All banks and NBFCs are CIBIL members and provide details of loans and credit card repayments to CIBIL on a monthly basis. When you request for the credit report, CIBIL accesses these details and calculates the score based on the data provided by the members.

The same logic holds true for credit scores prepared by Experian, Equifax and CRIF High Mark.

Would checking my CIBIL Score lead to its decrease?

No. If you check your credit report or CIBIL score, it is considered to be a “soft inquiry” and this type of check does not affect your CIBIL score in any way. This holds true even if you’re checking other credit bureau’s credit score or report. However, the “hard inquiries” made by banks and financial institutions for your credit report affects your credit score.

Does CIBIL Score affect my chances of getting a new loan or credit card?

At present, your credit score, whether reported by CIBIL, Experian, Equifax or CRIF High Mark, is one of the key factors that determine your eligibility to get a new credit product. Different banks and NBFCs have different cut-off criteria in providing new credit products. 

Maintaining a high credit score (closer to 900) definitely improves your chances of getting approvals on additional credit products. 

However, CIBIL score (or credit score) is not the only criteria that determine a person’s eligibility to secure new credit. Lenders also take into account other factors like your debt to income ratio, credit and employment history, their own internal criteria, etc. before making lending decisions.

What is the minimum CIBIL score required for any type of loan?

There is no evident data available at present regarding the minimum, good or high CIBIL score for getting loans or credit cards. The discretion of providing approvals on loans or credit cards solely depends on banks, NBFCs and financial institutions. However, a credit score of 750 and above is usually preferred by the lenders for approving a credit application. 

How do I increase/improve my CIBIL Score?

CIBIL score is based on your credit history and it cannot be increased overnight, no matter what a self-styled CIBIL score improvement agency might tell you. It starts with paying your credit card dues and EMIs on time, while also requiring you to minimize your outstanding debt.

Why is a credit card account that I already paid off and closed still on my report?

Your current lenders report your loan/credit card status to CIBIL periodically and these details get reflected in your report over time. Therefore, if you close out a loan or credit card account this month, it might still reflect in your credit report. 

What happens if my CIBIL Report has errors?

In case you find errors in your CIBIL report, like incorrect mention of default in repayments, wrongly assigned loans/credit cards, errors in personal information, etc.  you can request CIBIL to correct it through their Dispute Resolution procedure. As part of this process, you will be required to submit supporting documents, such as bank NOC, loan settlement letter and also nominal fee to get your records updated. Please note, these errors in your credit report may have a minor impact on your credit score, thus it is advisable to get them corrected at the earliest. 

You can contact CIBIL customer care through the following means:

  • Online: You can contact CIBIL’s customer care online. For this,
    • Visit and click on ‘Contact Us’
    • Under ‘To Contact Us Online’ section select ‘Click here’
    • Enter the required details and your query and click on ‘Submit’
  • By Phone: You can call at +91-22-6140-4300 (Mon-Fri between 10:00 AM to 06:00 PM)
  • Fax: You can contact the company’s customer care through fax at +91 - 22 - 6638 4666
  • Visit the Corporate Office/Write to the Company: You can also visit the corporate office or write to the company to get your queries answered/grievances redressed. The registered address is 

TransUnion CIBIL Limited 
One Indiabulls Centre, Tower 2A, 19th Floor,
Senapati Bapat Marg, Elphinstone Road,
Mumbai - 400013

Can CIBIL delete or change my credit information on its own?

No. CIBIL does not have the authority to delete or make changes to your credit report on its own. They are only involved with collating the data as provided by the member banks and NBFCs. 

In cases of credit report disputes, CIBIL will make changes to your credit report provided there is sufficient documentary evidence to show that an error has actually occurred. However, the concerned banks or NBFCs will have to provide the necessary clearance before CIBIL makes such changes.

What does New To Credit mean?

Your CIBIL score is calculated on the basis of your credit history. So, if you have never taken any credit product like a loan or credit card, CIBIL will assign you a “New to Credit” tag, which means you have no credit history. It becomes difficult for the lender to determine the risk category you fall into in case you have never taken a loan or never had a credit card.

I have signed as a guarantor for someone else’s loan. Will that impact my credit score? 

Becoming a guarantor for someone else’s loan makes you liable to pay the loan in case he/she fails to do so. The guarantor’s CIBIL score is impacted in case he/she fails to repay a loan where the primary borrower has already defaulted.

Will SBI check CIBIL Score while approving my loan?

Yes, SBI checks your CIBIL score at the time of approving your loan application. If your score does not match the criteria, SBI may reject your loan application.

4.4 / 5 (14 Reviews)

Credit Report

Credit Report

Credit Report Hurrahhhhhhh

" I lOve PaisaBazaar for giving free credit report and valuable notifications at right time. Person who knows the value of credit report, they will definitely appreciate the Paisabazaar".

Posted on:May 17, 2019
Credit Report

Credit score

Best platform to check Credit score in just simple step without any charge . I like it very much. It also shows loan statement.

Posted on:May 11, 2019
Credit Report

i had very bad experience

I tried to check my credit score my times here but when I filled my all informations it shows me nothing and they send me hundreds of mail of advertisement on the I'd which I filled here to get my credit score

Posted on:May 9, 2019
Credit Report

Paisabazaar is one good website

My experience with Paisabazaar has been great. I will definitely recommend it.

Posted on:Feb 21, 2019
Credit Report

Five Stars for Service

Paisabazaar is a good place for comparing credit cards. Five stars from me.

Posted on:Feb 21, 2019
Credit Report

Excellent Experience with Paisabazaar

Dear Team, I am grateful to the entire team for making such an important service available within moments for those who need their Credit Reports. It\'s really helpful to me. I got the idea of looking into this site through Mr. Kapil Sharma\'s add scene. Thanks for such a movement in fact. I shall also keep in touch with your site on whatever information I shall need in future. With Best Regards,

Posted on:Jan 20, 2017