How to Check Your CIBIL Score Online for Free

How to Check Your CIBIL Score Online for Free in India

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Are you looking for a way to access your credit score without spending any money? You have come to the right place! In this blog, we will tell you how to check your CIBIL score for free on the internet in India in a very easy way. It does not require any technical skills, and most of these methods are free, quick, and safe.

What is a CIBIL Score?

Before we start, let’s understand what a CIBIL score is.

CIBIL score is a 3-digit number (ranging from 300 to 900) that indicates your creditworthiness. In simple terms, it tells banks how capable you are of repaying your loan on time. CIBIL is one of the four credit bureaus in India, and it is the most commonly used one.

  • Score above 750 = Good (Easy loan approval)
  • Score below 600 = Poor (May get rejected for loans/credit cards)

Why You Should Check Your CIBIL Score

When individuals have a low CIBIL score, it indicates poor creditworthiness, which makes it unlikely that banks will approve their loan application. A high CIBIL score will increase chances of getting a loan approved and will usually come with a lower interest rate and less documentation needed to secure the loan.

Someone with a very low score will likely be rejected or offered a loan at a higher interest rate. It should also be noted that CIBIL is just one factor that banks look at when it comes to a loan application.

Here are some good reasons to check your score regularly:

  • To apply for a loan or credit card
  • To catch errors in your credit report
  • To know where you stand financially
  • To avoid rejection from banks

How to Check CIBIL Score Online for Free

Now, let us tell you how you can check your CIBIL score online for free in India. These secure websites or apps and the process are completely safe, and they do not affect your score.

1. Official CIBIL Website (TransUnion)

You can check your score directly from CIBIL’s website once a year for free.

Steps you should follow:

  • Go to https://www.cibil.com/freecibilscore
  • Click on “Get Your Free CIBIL Score”
  • Fill your basic details (Name, Date of Birth, PAN card number, Email ID)
  • Verify via OTP
  • Your credit score and report will appear on screen

After this you get a detailed credit report. PAN card is helpful, but not mandatory.

2. Kotak811

Kotak811 offers free credit score checking in just 5 minutes, no PAN required.

Steps you should follow:

  • Visit kotak811.com
  • Fill in basic information
  • Score will be shown instantly

3. CRED App

CRED is a popular app that lets you check your credit score for free.

Steps you should follow:

  • Download the CRED App
  • Sign up using your mobile number
  • Fill in basic details
  • You will get your CIBIL score on the app and WhatsApp

CRED also gives you credit card bill reminders, rewards and offers.

4. Airtel Finance

Let us tell you that Airtel also provides the service of checking CIBIL score for free. There is no need to be an Airtel user for this.

Steps you should follow:

  • Go to airtel.in/finance/check-credit-score
  • Enter your mobile number and details
  • Get your score in minutes

5. Bajaj Finserv

Bajaj Finserv provides free CIBIL score check with a detailed report.

Steps you should follow:

  • Visit bajajfinserv.in
  • Enter your PAN card and mobile number
  • Verify via OTP
  • See your credit score instantly

6. GrowMudra

Another easy option is GrowMudra.

Steps you should follow:

Important Tips

Checking your credit score is considered a soft inquiry, so it will not affect your score. This is why you should only use trusted websites to check your report. It is a good idea to check your report at least 2 to 3 times a year to make sure everything is correct. If you notice any mistakes, you can dispute it directly on the CIBIL website.

Final Thoughts

Knowing your CIBIL score is the initial, fundamental step to a well-built finances. This knowledge will make it easier to get a loan, help you handle your credit wisely, and help you make a good plan for the future. The best part! You can check it for free and it will take you just a few minutes!

Don’t waste time. Check your CIBIL score today and be credit ready!

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