Free Credit Score: How to Check Your CIBIL Score Without Paying a Rupee

Free Credit Score: How to Check Your CIBIL Score Without Paying a Rupee

In today’s credit-driven world, the three-digit CIBIL score can often hold the key to your financial health. But do you know your score? 

More importantly, how can you access your free credit score without spending a single rupee? 

This article explores the intricacies of obtaining your credit score and download credit report free of charge.

You can check your CIBIL score for free once a year from each of the four credit bureaus in India (CIBIL, Experian, Equifax, and CRIF High Mark). Here’s how to check your CIBIL score without paying:

Read on as the piece sheds light on every aspect of the process, leaving no stone unturned in guiding you towards better financial management.

The True Colour of ‘Free’ in Free CIBIL Score Check: Clearing the Fog

At times, “free” can be a loaded term, particularly in the financial domain. 

When it comes to checking your credit score, you might have encountered certain doubts:

● Is it genuinely free, or are there hidden charges?

● Does the free check provide the same detailed report as a paid check?

Let’s put these doubts to rest. 

Yes, a free CIBIL score check is indeed free. TransUnion CIBIL, the credit information company, offers every individual one free report per year. 

This free report is identical to the paid one, containing all the essential details about your credit history and repayment behaviour.

Stepping Onto The Free Path: A Guide to Checking Your CIBIL Score

Navigating the journey to your free CIBIL score is easier than you might think. 

Here’s a step-by-step guide to help you retrieve your score:

Step 1 – Register on the CIBIL Website: Go to the official website of any of the credit bureaus mentioned above (CIBIL, Experian, Equifax, or CRIF High Mark).

Step 2 – Verify Your Identity: Fill in the form with your details, such as your PAN number, DOB, and gender. Complete the identity verification process.

Step 3 – Navigate to the Free CIBIL Score Check Section: Look for the section on their website that offers a free credit score check. It’s usually prominently displayed on the homepage.

Step 4 – Provide Your Details: You will be required to fill out an online form with your personal information, such as your name, date of birth, PAN card number, and contact details.

Step 5 – Authenticate Your Identity: You may be asked to answer some security questions or provide additional information to verify your identity.

Step 6 – Access Your CIBIL Score and Report: Once your identity is verified, you will gain access to your CIBIL score and report.

Step 7 – Accept the Terms and Conditions: Read and accept the terms and conditions of the credit bureau.

Step 8 – Check Your CIBIL Score: Once your identity is verified, you will be able to view your CIBIL score and credit report for free.

Ravi, a 35-year-old software engineer, wants to apply for a home loan. He must follow the steps below to answer the question: How Can I Check My CIBIL Score for Free? Doing so will equip him with adequate knowledge of his creditworthiness.


Your Credit Score’s Health Check-up: How Often Should You Look?

Like a regular health check-up, your credit score also needs periodic examination. But how often should you check? Once a quarter is recommended.

You should check your creditworthiness and can take corrective steps if your score drops. It is important to note that checking your CIBIL score, whether paid or free, does not impact the score.

Sunita, a salaried employee in an MNC, is diligent about her financial health. She wants to find an answer to the question: how can I check my credit score for free? Doing so every three months will keep her updated on her credit score.

This habit has allowed her to maintain a good score and prepare for any credit she may require in the future.


Taking charge of your financial health begins with understanding your credit score. It is not just a three-digit number but a reflection of your creditworthiness in the eyes of lenders. The ability to check your credit score for free is a boon for every Indian seeking financial stability. 

Whether you use the official CIBIL website or alternative credit bureaus, the knowledge gained can be instrumental in making sound financial decisions.

Remember that you can check your credit score for free once a year from each credit bureau. If you want to check it more frequently or need additional services like credit monitoring, you may have to subscribe to their paid services.

Please note that procedures and policies may change over time, so it’s a good idea to visit the official website of the credit bureau for the most up-to-date information on how to check your CIBIL score for free. Additionally, consider checking the policies of other credit bureaus as well to access your credit reports from different sources.

Share This


Wordpress (0)
Disqus ( )