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Check Your CIBIL Score
Check Your CIBIL Score

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Check Your CIBIL Score Instantly at just 599.00(Incl. GST)

  • Enter Your Mobile Number linked with your PAN
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  • Pay the fee online using our secure payment channel.
  • View your score & Download report
  • For any technical assistance, give a missed call to our toll-free number
    1800 202 5877
    • Sample Report: View Download
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CIBIL Score & Report

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What is a Credit Score?

A credit score is a 3-digit number that represents your creditworthiness — how likely you are to repay loans and credit card dues. It is calculated based on your credit history, including repayment behavior, credit utilization, loan types, and the length of your credit history.

What is a Good Credit Score?

A good credit score typically falls between 750 and 900 on the CIBIL scale.


Score Range Category What does the score mean?
750 – 900 Excellent High chances of quick loan approvals and better interest rates
700 – 749 Good Eligible for most loans and credit cards
650 – 699 Fair May face stricter loan terms or limited offers
Below 650 Poor Higher chances of rejection; needs improvement

A higher score reflects responsible credit behavior and makes you a preferred customer for banks and financial institutions.

How to Improve Your Credit Score

Improving your credit score takes consistency and good financial habits. Here are some practical tips:

  • Pay EMIs and Credit Card Bills on Time

    Timely payments are the biggest factor in boosting your credit score.

  • Maintain a Low Credit Utilization Ratio

    Try to use less than 30% of your credit card limit to show responsible usage.

  • Avoid Multiple Loan Applications

    Too many loan or credit card inquiries in a short period can negatively affect your score.

  • Check Your Credit Report Regularly

    Look out for errors or fraudulent activity and report them immediately.

  • Keep Old Credit Accounts Open

    Longer credit history builds trust. Don’t close your oldest credit cards unless necessary.

  • Maintain a Healthy Credit Mix

    Use a balanced mix of secured (like home loans) and unsecured (like credit cards) credit.

Frequently Asked Questions (FAQs)

  1. Will checking my CIBIL score reduce it?

    No. Checking your own score is a soft inquiry and does not affect your credit score.

  2. How often can I check my credit score?

    You can check your credit score as often as you like. It's good practice to check it at least once every few months.

  3. Is there a fee to check my CIBIL score?

    Yes, a small fee may be applicable to access your full credit report and score instantly.

  4. What is a good CIBIL score?

    A score of 750 or above is considered good and improves your chances of getting loans or credit cards approved.

  5. What if I find an error in my CIBIL report?

    You can raise a dispute directly with CIBIL through their portal and request corrections.

  6. Can I improve a low credit score?

    Yes! By paying bills on time, reducing your credit usage, and managing loans responsibly, your score can gradually improve.