How to check CIBIL Score?

The CIBIL Score ranges between 300 and 900. The closer a CIBIL Score is to 900, the higher are the chances of the consumer's credit card or loan application getting approved.

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CIBIL is one of four credit rating agencies in India.
One of the factors that determines whether a bank or finance company will lend to you or not is your credit score. A CIBIL score is a three-digit numeric summary of a consumer's credit history and a reflection of the person's credit profile. The score is based on the person's past credit behaviour such as borrowing, and repayment habits as shared by banks and lenders with CIBIL (the details of which are available in the consumer's CIBIL Report).

The CIBIL Score ranges between 300 and 900. The closer a CIBIL Score is to 900, the higher are the chances of the consumer's credit card or loan application getting approved.

CIBIL is one of four credit rating agencies in India.


Other than the CIBIL website, you can also check your credit score on websites of banking services aggregators.

On the CIBIL website to check your credit score you can either do it for free or access it by selecting a subscription plan. Using a free subscription, you can see your current CIBIL Report once in a year. CIBIL has paid plans which offer access to various additional features depending on the plan you choose.

How to check CIBIL credit score for free
Here is how you can access your credit score for free as per the CIBIL website.

Step 1: Log in to CIBIL website
Visit the CIBIL website https://www.cibil.com/ and click on "Get your CIBIL Score" on the top right-corner of the page.
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This will take you to the page with subscription options and to select the free option scroll down.
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Step 2: Create an account
Here you will have to enter your email ID, name (which will be your username for this account), password, ID proof (such as PAN card, passport number, Voter ID, Aadhaar), date of birth, pin code, and phone number.
After you enter these details, click on 'Accept and continue'.
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Step 3: Verify your identity
The next step is to verify your identity. You will get a one-time password (OTP) on the mobile number you provided in Step 2. Enter the OTP and click on 'Continue'.
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Step 4: Go to dashboard
You will be taken to a new window confirming your enrolment. You will also get an email confirming the same. Click on 'Go to dashboard' to check your credit score.
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Step 5: View CIBIL Score
You will be taken to myscore.cibil.com. Here, subscribers can view their free CIBIL Score and CIBIL Report .
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Once you create an account, you can view your CIBIL Score by visiting https://myscore.cibil.com/ and selecting 'Member Login'. To log in, you will have to enter your email ID and password. If you want your CIBIL Score again in the same year, you need to subscribe to CIBIL, make payment as per the plans availability and get your report.


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