How to Check CIBIL Score for Free in India (Step-by-Step Guide 2026)
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| How to Check CIBIL Score for Free |
Checking your CIBIL score is the first and most important step before applying for any loan or credit card in India.
The good news? You can check your CIBIL score 100% FREE, without harming your credit score.
In this beginner-friendly guide, you’ll learn how to check your CIBIL score for free in India in 2026, step by step.
What Is a CIBIL Score?
A CIBIL score is a 3-digit number that shows how well you manage loans and credit cards.
It ranges from 300 to 900.
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750+ → Excellent (easy loan approval)
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650–749 → Average
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Below 650 → Difficult to get loans
👉 Banks and NBFCs use this score to decide whether to approve your loan or credit card.
(If you don’t know what CIBIL score is, read our complete beginner guide here:
👉 What Is CIBIL Score & How to Improve It (Beginner Guide 2026))
Is Checking CIBIL Score Free?
Yes.
According to TransUnion CIBIL, every Indian consumer can check their CIBIL score once a year for free directly from the official website.
Many banks and apps also allow free unlimited checks.
✔️ Free check
✔️ No effect on your credit score
✔️ Safe and legal
Does Checking CIBIL Score Reduce It?
No.
Checking your own CIBIL score is called a soft inquiry, and it does NOT reduce your score.
Only loan or credit card applications create hard inquiries, which may slightly affect your score.
How to Check CIBIL Score for Free (Step-by-Step)
Method 1: Check CIBIL Score from Official Website (Recommended)
This is the most trusted and accurate method.
Step-by-step process:
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Visit the official CIBIL website
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Click on “Get Your CIBIL Score”
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Sign up using:
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Mobile number
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PAN card
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Date of birth
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Verify with OTP
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Answer a few questions related to loans or credit cards
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Your CIBIL score and credit report will appear on screen
✔️ Free once every year
✔️ Direct from CIBIL
✔️ Best for accuracy
Method 2: Check CIBIL Score via Banks & Apps (Free)
Many trusted platforms provide free CIBIL score checks:
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Major Indian banks
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Credit card apps
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Financial apps (loan & EMI platforms)
General steps:
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Open the app or bank website
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Enter PAN card & mobile number
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Verify OTP
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View your CIBIL score instantly
✔️ Easy
✔️ Unlimited checks
✔️ Beginner-friendly
⚠️ Tip: Always use trusted apps only to avoid data misuse.
Documents Required to Check CIBIL Score
You only need:
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PAN Card
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Mobile number linked to PAN
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Date of Birth
No income proof or bank statement required.
How Often Should You Check Your CIBIL Score?
Experts recommend:
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Once every 2–3 months if you’re planning a loan
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Once every 6 months for regular monitoring
Checking too often does NOT harm your score.
Common Mistakes to Avoid
❌ Using fake or unknown apps
❌ Sharing OTP with anyone
❌ Applying for loans just to “check eligibility”
❌ Ignoring errors in credit report
If you find mistakes, raise a dispute immediately on the CIBIL website.
What to Do After Checking Your CIBIL Score?
If your score is:
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750+ → You’re loan-ready
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650–749 → Improve before applying
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Below 650 → Avoid new loans, focus on improvement
👉 Next recommended read:
Top 7 Mistakes That Lower Your CIBIL Score (Avoid These in 2026) (next post idea)
Frequently Asked Questions (FAQs)
Can I check CIBIL score without PAN?
No. PAN is mandatory for checking CIBIL score in India.
Is CIBIL score check really free?
Yes, official CIBIL allows one free check per year. Apps and banks may allow more.
How long does it take?
Less than 5 minutes.
Will checking score reduce it?
No, self-checks never reduce your score.
Final Words
Knowing your CIBIL score helps you:
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Get loans easily
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Negotiate better interest rates
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Avoid rejection
Always check your CIBIL score before applying for any loan or credit card.
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