What are the different ways in which I can check my CIBIL score? I would like to understand the various methods available for individuals to check their credit score in India. Could you please explain whether I can check my CIBIL score online for free, through my bank, or using other platforms?
Here is how to check your CIBIL score
Step 1: Go to the CIBIL website
Step 2: Fill out the provided form that requires your necessary information such as name, contact number, email address and click continue to step 2
Step 3: Fill out the additional details about you including your Pan number. Make sure to enter your Pan details correctly to proceed to the next step.
Step 4: Answer all the questions correctly about your loans and credit cards, based on which your CIBIL score will be calculated, and your completed credit report generated.
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What is the safe CIBIL score?
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Anything above 750 is considered good credit score to get hassle free loans at lower interest rate and higher limits on credit cards.
Most bank apps as well as payment apps now give an option to check credit score for free once every month. If you are keen on checking CIBIL, then I would suggest you to check your bank app or CRED/OneScore. These apps can help you check CIBIL once every month for free.
Also, you can download official CIBIL app if you want detailed report. CIBIL also offers a yearly subscription for people who want to be updated with their CIBIL report regularly as the paid subscription gives you an option to refresh your CIBIL score every day.
Honestly Anushka, checking your CIBIL score isn’t as complicated as it sounds. You can hop onto the official CIBIL website and get one free report every year (kind of like a reality check for your finances). Many banks and fintech apps also show your score instantly, sometimes tucked away in the “offers” or “credit” section. And if you’re like me and forget these things, those apps make it way easier because they update your score regularly without you doing much.