No need to pay to get your CIBIL score, check for free like this

New Delhi: If you're planning to take out a home loan, car loan, personal loan, or a new credit card soon, you should definitely check your CIBIL score. A CIBIL score is an important indicator of your credit history and loan and credit card payment history. The score ranges from 300 to 900, and a higher score generally indicates a better credit profile. However, each bank has its own rules and eligibility parameters for approving a loan or credit card.

How to check CIBIL Score for free?

TransUnion CIBIL provides a free CIBIL score and credit report once per calendar year through its website. To check this, first visit the official CIBIL website. Then select the Free CIBIL Score and Report option. You'll then need to enter essential information like your name, email address, and mobile number. You may also be asked for identification information, including your PAN number and date of birth. Then, complete the ID verification process according to the instructions. Once the verification is complete, you can view your CIBIL Score and full credit report by logging into your CIBIL account.

Keep this in mind

A free CIBIL score and report are available only once a year. This means that if you received your free report in 2026, the next free report will be available from January 1, 2027. According to CIBIL, users who received their free report on or after January 1, 2026, will be able to receive their next free report on January 1, 2027. If you need to check your report or score repeatedly in the same calendar year, you may need to use CIBIL's paid subscription plan.

Why is it important to check CIBIL Score?

Checking your CIBIL Score and Report gives you an idea of ​​your credit profile. The report may also reveal incorrect account information, incorrect payment statuses, or credit inquiries you didn't make yourself. If such errors are found, appropriate procedures can be followed to correct them. If your score is lower than expected, paying EMIs and credit card bills on time, not applying for new loans or credit cards excessively, and using credit responsibly can help maintain your credit profile.