Check Your Free CIBIL Score on the Official Site
Clicking the button below takes you directly to TransUnion CIBIL's official free report page. We do not collect or see any of your data. The entire process takes place on CIBIL's platform.
Official CIBIL free report · Available once per calendar year · Soft enquiry (does not affect your score)
Official CIBIL Platform
Redirects to TransUnion CIBIL's verified website only
RBI Statutory Right
One free full report per calendar year per bureau
Zero Data Shared
We never see your PAN, score, or personal details
Soft Enquiry Only
Does not lower your credit score in any way
Simple 5-Step Process
How It Works on cibil.com
Click the button above
You will land directly on cibil.com's free report page
Register or log in
New users complete a quick free registration. Existing users log in directly.
Enter your details
Provide PAN card number, name, date of birth, and mobile number
Complete OTP verification
Authenticate securely via the SMS OTP sent to your registered mobile
View and download
Your dashboard shows your score and full report as a downloadable PDF
The entire process takes place on CIBIL's platform. We never see your personal details or score.
Important Things to Know
Free report available once per calendar year
The RBI mandates one free full credit report per calendar year (January–December) from each bureau. If you have already used your CIBIL free quota this year, it resets on 1st January of the following year.
Checking your own score does not lower it
Viewing your own credit report is a "soft enquiry" with no impact on your score whatsoever. Only lenders performing credit checks during loan applications create "hard enquiries" which can marginally affect scores.
Keep your PAN card ready
Your PAN card number is required for accurate identity matching at CIBIL. Without PAN, the credit report cannot be generated as it is the primary financial identity document in India.
Report covers all your credit history
The full CIBIL report includes your score, all loan accounts, credit card history, repayment track record, enquiries made by lenders, and any defaults or settlements. Review it carefully for any errors.
Other Free Ways to Check Your Credit Score
Each of the four RBI-licensed credit bureaus provides one free report per year. You can check all four.
Most widely used bureau in India. Accessed by the majority of banks and NBFCs when evaluating loan applications.
Second most widely referenced bureau. Some lenders like Kotak and IndusInd also pull Equifax reports.
Global bureau with a strong India presence. Good for checking discrepancies across bureau reports.
Strong data on MSME and rural segments. Also tracks agricultural loans and microfinance.
Via Bank Apps / Net Banking (Soft Check)
SBI YONO
Free score check via YONO app, no login required for score
HDFC Bank App
Score visible in the 'My Profile' section after login
ICICI iMobile
Free CIBIL score check available in the app dashboard
Axis Mobile App
Monthly score update with insights in the Axis mobile app
These are independent official platforms. Clicking these links will take you away from our website to their respective platforms. We do not collect any data during or after this process.
Why Your Score Matters for Vehicle Finance
750+
Excellent
Best Rates & Max Sanction
Guaranteed lowest interest rates from 7.99% p.a. Maximum loan sanctions with high LTV funding across HDFC, ICICI, Kotak and Tata Capital.
700–749
Good
Fast Approvals Available
Eligible for quick approvals across 20+ NBFCs and commercial banks. Standard documentation with competitive rates.
Below 700
Needs Attention
Specialised Programs
Dedicated funding programs with Chola, Shriram, Hinduja and Mahindra Finance tailored for operators with lower scores.
Preparation tip: If your score is below 700, speak to our advisor before applying. We can guide you through score improvement steps or match you to the right lender who specialises in your profile.
Frequently Asked Questions
Does checking my CIBIL score reduce it?
No. Checking your own credit score is classified as a "soft enquiry" and has absolutely no impact on your credit score. Only when a bank or lender checks your score (a "hard enquiry") for a loan application can it marginally affect your score.
What if I already used my free CIBIL report this year?
Each credit bureau provides one free full report per calendar year (January to December). If you have already used your CIBIL free quota for the current year, your next free report opens on 1st January of the following year. You may also check the other bureaus — Equifax, Experian, and CRIF High Mark — each of which also provides one free report per year under the same RBI mandate.
Will you see or store my score or personal details?
No. We redirect you directly to TransUnion CIBIL's official website. The entire check process takes place on CIBIL's platform. We never see, collect, or store your PAN, personal details, or credit score at any point.
How long does the process usually take?
Typically 5–8 minutes. You register/log in on cibil.com, enter your PAN, name, date of birth and mobile number, complete an OTP verification, select the free plan, and then view and download your score and full report. The process is entirely handled by CIBIL.
Can I check scores from other bureaus as well?
Yes. India has four licensed credit bureaus — TransUnion CIBIL, Equifax, Experian, and CRIF High Mark. Each offers one free report per year under RBI regulations. You can check all four for a complete picture of your credit profile.
Ready to Check Your CIBIL Score?
We'll redirect you to CIBIL's official free report page. The process is straightforward, takes about 5–8 minutes, and is completely handled by CIBIL.
Official CIBIL free report · Available once per calendar year · Soft enquiry (does not affect your score)
Have questions about your eligibility?
Call +91 95181 05918