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Does checking my CIBIL score reduce it?
Updated · CardKhoj Editorial Team
Short answer
No. Checking your own CIBIL score is a soft enquiry and has no effect on your score — you can check it as often as you like. Only hard enquiries, made when a lender checks your report because you applied for a loan or credit card, can lower your score slightly.
Soft vs hard enquiries
| Soft enquiry | Hard enquiry | |
|---|---|---|
| Who checks | You, or a lender for a pre-approved offer | A lender after you apply |
| Effect on score | None | Small, temporary drop |
| Visible to lenders | No | Yes, for about two years |
Why many hard enquiries hurt
Several applications within a few weeks suggest you urgently need credit. That is why you should compare offers using eligibility checks and pre-approved offers first, and apply only where you are likely to be approved.
This answer is general information, not personalised financial or tax advice. Rules, rates and limits change — confirm with your bank, the RBI or a qualified adviser before making decisions.