How to check my CIBIL report and score

CIBIL score is important in an Indian’s life. The score determines whether you will qualify for a loan or not. And if you qualify, what will be the attractive interest rates you get?

The score usually varies between 300 to 900. With 300 being — oh so bad to 900 being damn you are the man.

CIBIL — TransUnion

Now how do you check this report? Well, fear not. There are multiple credit monitoring companies out there that do this. One of them is CIBIL — TransUnion — https://www.cibil.com/

Once you create an account on it (if you are new) you can head over to My Account and then click Subscriptions. You will be able to see something like this —

As mandated by RBI, you can check this report for free only once a year. So go ahead, use it wisely. It is a good practice to maintain a healthy credit score. Something above 750 is considered good.

Just need the CIBIL score?

Well if you can’t wait to get the score for a year, there are apps like Google Pay that allow you to access your CIBIL score(just the score — not the detailed report) via the app. They allow you to access this for year every month.