How can I check my CIBIL score for free?
Updated · CardKhoj Editorial Team
Short answer
You can check your CIBIL score for free on the official CIBIL website (one free full report every year), through most bank apps and net banking, and on platforms such as Paisabazaar, BankBazaar, Paytm and CRED. Checking your own score is a soft enquiry and never reduces it.
Free ways to check
- CIBIL website — RBI requires every credit bureau to give you one free full credit report a year.
- Other bureaus — Experian, Equifax and CRIF High Mark also offer a free annual report each, so you can check up to four times a year at no cost.
- Your bank's app — many banks show a free score updated monthly.
- Fintech apps — Paisabazaar, BankBazaar, Paytm, CRED and others offer free scores with regular updates.
What you need
Your PAN, date of birth and the mobile number linked to your loans or cards for OTP verification.
What to look for in the report
- Accounts you do not recognise — a possible sign of fraud.
- Closed loans still shown as active.
- Late payments you believe were paid on time.
If you find a mistake, raise a dispute — see how to correct errors in your CIBIL report.
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.