How to Check CIBIL Score Online in India (Free & Official)

Checking your CIBIL score is the first step towards financial fitness. A good score (750+) unlocks lower interest rates on loans and quicker credit card approvals. The best part? You can check it for free once a year directly from the four official credit bureaus in India.

Here is a complete guide and direct links to check your credit score from official sources.

1. Official CIBIL Website (TransUnion CIBIL)

This is the most widely used credit score in India. Banks primarily check your TransUnion CIBIL score before approving any loan.

• Official Link: Check Free CIBIL Score
• Steps:
  1. Click the link above.
  2. Click on "Get Your Free CIBIL Score".
  3. Create an account using your email ID, name, and mobile number.
  4. Verify your identity using the OTP sent to your mobile/email.
  5. Once logged in, you can view your CIBIL score and report instantly.

2. Experian India

Experian is another major credit bureau. Many banks use Experian data as a secondary check or for specific products like credit cards.

• Official Link: Check Free Experian Score
• Steps:
  1. Visit the Experian India website.
  2. Click on "Free Credit Report".
  3. Enter your mobile number and verify via OTP.
  4. Enter basic details like PAN, Name, and Date of Birth.
  5. Your credit report will be generated and emailed to you or shown on the dashboard.

3. Equifax India

Equifax provides a comprehensive credit report that includes your credit history and score.

• Official Link: Check Free Equifax Score
• Steps:
  1. Go to the Equifax India website.
  2. Look for the "Get your Free Credit Report" option (usually available via their mobile app or specific web portal).
  3. Fill in the required KYC details (PAN, Aadhaar/Passport).
  4. Authenticate your request.
  5. Download your report.

4. CRIF High Mark

CRIF High Mark is the fourth RBI-approved credit bureau.

• Official Link: Check Free CRIF Score
• Steps:
  1. Visit the CRIF High Mark consumer portal.
  2. Click on "Get Your Free Personal Credit Report".
  3. Register and verify your details.
  4. Access your simplified credit report.

Can I Check My Score on Other Apps?

Yes, several third-party apps allow you to check your score for free. These are generally safe and often provide a user-friendly interface.

• GPay (Google Pay): Open the app > Scroll down to "Manage your money" > Click "Check your CIBIL score for free".
• Paytm: Search for "Credit Score" in the app > Enter PAN > View Score.
• Amazon Pay: Go to Amazon Pay dashboard > Click on "Free Credit Score".
• OneScore: A dedicated app for monitoring credit scores from both CIBIL and Experian.

Frequently Asked Questions (FAQs)

Can I check my CIBIL score by PAN card without OTP?

Generally, no. For security reasons, CIBIL and authorized partners require OTP verification to ensure the person accessing the confidential credit report is indeed you. However, some banking apps where you are already logged in might show your score without an additional SMS OTP because you are already authenticated in the app session.

How to check CIBIL score in PhonePe?

PhonePe also offers a facility to check your credit score. Open the PhonePe app, go to the "Credit" tab (usually at the bottom), and click on "Credit Score". First-time users will need to enter their PAN card details.

How to check CIBIL score in GPay?

Google Pay (GPay) allow you to check your score for free. Navigate to the "Manage your money" section and tap on "Check your CIBIL score for free". It usually fetches data from the bureau associated with your PAN number automatically if you have used GPay for financial transactions.

What is a Good Score?

• 750 - 900: Excellent. You will get the best loan offers.
• 700 - 749: Good. You are eligible for most loans.
• 650 - 699: Average. You may get loans but at higher interest rates.
• Below 650: Poor. You need to work on improving your score.

Pro Tip: Checking your own CIBIL score is considered a "Soft Inquiry" and does not lower your score. You can check it as many times as you want.

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Start by checking your score today on the official CIBIL website to know where you stand!