How can I check my CIBIL score for free in India?

You can check your CIBIL score for free through the official CIBIL website, your bank’s app or website, or trusted financial platforms partnered with credit bureaus. Every Indian citizen is entitled to one free full credit report per year from each bureau as per RBI rules.

Does checking my own CIBIL score reduce it?

No. Checking your own score is a soft inquiry, which does not affect your CIBIL score. Only lenders performing a hard inquiry (during loan applications) can cause a temporary dip.

Is the free CIBIL report provided by RBI reliable?

Yes. The RBI mandates that all credit bureaus - CIBIL, Experian, Equifax, and CRIF High Mark must provide one Full Free Credit Report (FFCR) every year. These reports are accurate and trusted by Indian lenders.

What details are required to check my CIBIL score online?

You need your PAN card, mobile number, email ID, and basic personal details to register and access your free credit report on CIBIL or any official banking portal.

Why should I check my CIBIL report regularly?

Checking your CIBIL report regularly help you detect fraudulent loans, fix errors or wrong loan statuses, track your credit health, and improve your chances of getting low-interest loans and credit cards.

How often should I check my CIBIL score?

You should check your CIBIL score at least once every month, even though the RBI provides one free annual report. Monthly checks help you stay updated and quickly catch any unexpected changes.

How to Check CIBIL Score for Free Online: Safe & Official Guide 2025

At MoneyScore, our goal is to help you make safe and smart financial decisions. CIBIL Score is one of the most important numbers in our financial life. It decides whether we can get a loan, how much interest we pay, and can even help protect us from identity fraud.

You know what's the best part? Checking your CIBIL Score is completely free. And checking it yourself does not reduce your score because it counts as a “soft inquiry.” Here is a simple guide on how to check your CIBIL Score and Report for free in India as per RBI rules.

Understanding Your Rights: RBI Rule

The Reserve Bank of India (RBI) oversees the four main Credit Information Companies (CICs) in India. RBI has made it mandatory that every person should get one Full Free Credit Report (FFCR) from each credit bureau every year. The four bureaus are:

TransUnion CIBIL
Experian
Equifax
CRIF High Mark

3 Safe Ways to Check Your CIBIL Score for Free

You should always use trusted and official platforms to protect your personal information. This is something MoneyScore cares deeply about.

1. Directly From the Official CIBIL Website

This is the most reliable way to check the score most lenders use.

Visit the Website: Go to the official TransUnion CIBIL website and look for the “Get Your Free CIBIL Score & Report” option.
Register: Create an account using your name, mobile number, email ID, and PAN.
Verify: Complete OTP verification.
Download: Once done, you can view and download your Free Annual Credit Report, which is also emailed to you.

Check Free Cibil Score on MoneyScore

2. Through Official Bank or NBFC Websites

Many banks and RBI-approved NBFCs offer free credit score checks, even if you don’t have a loan with them. This is a very safe method as these institutions are regulated.

Look for the “Check Credit Score” feature on your bank’s website or app.
These scores usually come from CIBIL or Experian.

3. Using Trusted Financial Literacy Platforms

Some reliable financial platforms offer free monthly credit score checks through partnerships with credit bureaus. These platforms are safe as long as they are transparent.

Safety Tip: MoneyScore recommends using only those platforms that clearly mention which bureau they use and have a strong privacy policy.

Why Checking Your Free CIBIL Report Regularly Is Important

Simply avoiding scam apps is not enough. Checking your credit report regularly is one of the best ways to stay financially safe.

Detect Fraud: You can spot unknown loans or unauthorized inquiries early, which may indicate identity theft.
Fix Errors: Sometimes old loans still show as “Outstanding” even after repayment. You can raise a dispute and correct such mistakes quickly.
Save Money: A good credit score helps you get lower interest rates on home loans, personal loans, and credit cards.

Remember: A High Score Protects You

A CIBIL Score of 750 or above is considered excellent. It increases your chances of getting loans easily and at better rates. If your score is low, checking your free report is the first step toward improving it.

MoneyScore is here to help you stay informed, stay safe, and stay in control of your financial health.