How to Check Your CIBIL Score India? Or Check CIBIL Score in Free

Credit Information Bureau (India) Limited (CIBIL) maintains credit related records such as loans, overdrafts and credit cards of the individuals. With the help of this data, it calculates CIBIL Score which is a 3-digit number showing credit worthiness and financial health of a person. Banks and other types of lenders require this score as an efficient and readily available source to information and use it during loan approval process to filter out loan applications.

One can easily check his/ her CIBIL Score and also get CIBIL Credit Report to know his/ her credit worthiness. Each credit bureaus including CIBIL has been mandated by the RBI to provide 1 free credit report in a year to any individual. However, you may need to check your credit score in order to get updated information of your credit score. You can check your CIBIL score in free from CIBIL website by paying a nominal fee, in case you want to check it more than one time.

In order to check your CIBIL Score in India, you need to follow all the steps as outlined below:

  1. Log in to the official website of CIBIL by clicking on Check CIBIL Score
  2. Enter your personal information i.e. PAN, email address, date of birth and gender
  3. Acknowledge and accept the terms and conditions by checking the box
  4. Click on 'Proceed to Payment' button at the end of the form and make online payment of Rs 550/-
  5. Make the Payment Via Net Banking / Debit Credit / Cash Card
  6. Now Fill up the form in the authentication page
  7. You need to answer 5 questions asked realted to your credit history
  8. If you have answered 3 correctly i.e. if authentication is successful, then CIBIL Credit Report will be sent to you through an email within 24 to 48 hours
  9. If the authentication is not successful, you will have to complete KYC details on Upload KYC Documents
  10. Upload the documents i.e. your Payment Confirmation Form, Address Proof, Identity Proof and other relevant documents, in order to access your CIBIL Score
  11. After verifying your documents, CIBIL Credit Report will be sent to you through an email within 24 to 48 hours