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

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CIBIL credit report is required at the time of applying for a credit product like a personal loan, home loan, credit card, etc. It contains the CIBIL score that is calculated keeping your past credit behaviour in mind. Your CIBIL score can range somewhere between 300 and 900. A higher score indicates you have managed your finances diligently in the past. Thus, lenders consider your CIBIL score before they approve the loan or a card application.

There are three other credit bureaus apart from CIBIL, namely Experian, Equifax and CRIF Highmark. Your credit score can be different for different bureaus as each bureau has its own calculation mechanism. But your chances of getting the loan approved increases if you have a score of 750 or above.

If you have taken a loan or credit card, the bank/NBFC provides the details of your credit and repayment history to CIBIL every month. When you request for the credit score from CIBIL, it uses this data provided by the bank and calculates a CIBIL score for you. The significance of CIBIL Score is that it is used by lenders to judge a borrower's creditworthiness for new loans and cards. So, this score will be checked by the lender at the time of approving a new loan or credit card.

The CIBIL Report contains your credit score and details of other factors that were taken into account while calculating your credit score. An analysis of the report can help you in understanding where you have missed and what can be done to better your credit score.

CIBIL charges a fee for getting the CIBIL score. However, it is completely free of cost if you get it through

The CIBIL report reflects your credit behaviour (credit history) which is used to calculate the 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.




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


Credit accounts that have 'Date Closed' populated


Credit accounts which are less than 90 days past due


Credit accounts which 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 which is overdue for less than 90 days is considered as a Standard asset

B: Substandard

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

Whenever you apply for any loan or credit card, your CIBIL Score is one of the first things a lender will look at while processing your loan application.  

A strong CIBIL Score (generally above 750) denotes a good credit history. Lenders prefer such consumers for loans and credit cards as they have a proven track record of responsible behaviour with credit.

On the other hand, a poor CIBIL score (generally below 600) is perceived by lenders as 'risky'. Consumers with a poor credit score are either rejected for new credit or are offered much higher rates of interest.

You should note that CIBIL report or Credit Report from any credit bureau only takes into account the handling of credit instruments. Other financial instruments such as your net worth (bank balance, investments, annual salary, business turnover, etc.) play no role in how high or low your credit score will be.

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.

CIBIL Score is calculated using the credit history in your CIBIL Report.  It reflects a person’s credit behaviour which includes frequency of applying for loans/credit cards, credit repayment history, mix of secured and unsecured credit, etc. CIBIL has its algorithm to calculate a person’s credit score. Some key factors that influence your CIBIL score are as follows:

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. It has high impact in your CIBIL score calculation.

Duration of Credit History: The duration 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, it will be good for your credit score. It has medium impact on your credit score.

Number of Hard Inquiries: A lender makes a hard enquiry of your credit score every time you apply for new credit. Such inquiries by lenders and financial institutions are known as hard inquiries and too many hard inquiries may negatively affect your credit score as it shows you to be credit hungry. It has a considerable short-term impact on your credit score.

Credit Utilization Ratio: It is the ratio of the credit amount you spend to the credit amount available to you. It is recommended that you do not utilize more than 30% of the available credit. 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 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 that Impact your CIBIL Score

A few other factors are also considered while calculating your credit score. Even though these factors do not have a major impact on your score, it is good to have these in check.

Errors in Credit Report: Errors in CIBIL report such as an incorrect mention of default in repayments, wrongly assigned loans/credit cards, errors in personal information, etc. may adversely affect your CIBIL score. Additionally, incorrect or delayed reporting by banks may also negatively impact your CIBIL score.

Lack of Credit History: Your CIBIL score is calculated on the basis of your credit history. So CIBIL assigns you “New to Credit” tag. 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.

Inability to fulfill your role as a loan guarantor: 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.

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

If the CIBIL score is high, the lender might look into other details to determine if the applicant is credit worthy. 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.

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. Some advantages of maintaining a good CIBIL score may include:

  • Greater chances of loan applications being approved, as a high credit score indicates higher credit worthiness and lower risk for the lender
  • You are more likely to receive lower interest rate loans
  • Loans and credit cards are approved quickly and easily
  • Access to pre-approved loans
  • Ability to avail higher credit card limit
  • Discount on processing fees and other charges

The differences between CIBIL report and CIBIL rank are 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

You can contact TransUnion CIBIL’s 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

Q. Will my CIBIL score ever change?

Ans. Yes, any change in any of 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.

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

Ans. A lender firsts 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 very high salary or very low credit utilization ratio.

Q. I have 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?

Ans. 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 ration.

Q. For what duration are credit factors present in the Credit Information Report?

Ans. Your CIBIL report includes the details of various loans and credit cards that you have had over the past 5 to 7 years. The details related to your credit card/loan include credit limits, credit repayment track record, number of credit checks performed by prospective lenders in the past, etc.

Q. Can everyone access my CIBIL Score?

Ans. 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.

Q. How to check CIBIL Score for free?

Ans. You can check your CIBIL score for free every month through

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.

Q. How did CIBIL know about my loans and credit cards?

Ans. 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.

Q. Would checking my CIBIL Score lead to its decrease?

Ans. 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.

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

Ans. 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.

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

Ans. 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.

Q. How do I increase/improve my CIBIL Score?

Ans. 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.

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

Ans. 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.

Q. What happens if my CIBIL Report has errors?

Ans. In case you find errors in your CIBIL report, 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.

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

Ans. No. CIBIL does not have the authority to delete or make changes on 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 make such changes.

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