How to Know My CIBIL Score

As per RBI guidelines, you are allowed to check your credit score for free only once a year from the respective credit bureaus. Likewise, you can download one free credit report every year from each credit bureau. However, you can check your credit score for free multiple times on other financial platforms.

Checking your own CIBIL score is a soft enquiry, hence it does not affect your credit score. Your credit score is usually affected during a hard enquiry, when the lenders check your credit history during loan application to assess your creditworthiness. Therefore, it is advised not to make multiple loan applications in a short span.

It is important to check your credit score regularly for the following reasons:

Note that, these CIBIL Score ranges are based on Paisabazaar’s own criteria and are generally accepted in the industry.