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CIBIL Score Check

Your CIBIL score is the most important factor that financial institutions look at while considering your loan or credit card application. This score is viewed as the creditworthiness index of the applicant and is computed on the basis of the individual’s past interactions with credit. You Must check your CIBIL Score regularly to get updates about your credit rating in the banking institutions. In India, CIBIL scores are offered by four main Credit Bureaus- CIBIL, Equifax, CRIF Highmark, and Experian. These organisations are authorised to collect and regulate the financial data regarding individuals and compile a credit report based on the same.

Check Your CIBIL Score For Free on Urban Money

Given below are the three easy steps to check your CIBIL score for free by entering minimal information. The entire process is powered by Experian wherein your credit report is directly generated by them.

  • Step 1: Visit our credit score page.
  • Step 2: On this page, enter details about yourself, like Name, Mobile Number, and Email Address. This will trigger an OTP being sent by Experian to the phone number you entered.
  • Step 3: Verify the OTP, and your credit report will be displayed on the screen. A copy of the same will be sent to the registered email address simultaneously by Experian. You also have the option to download the report in PDF format.
  • A healthy CIBIL score can also result in you getting better offers and rewards. Applicants with a good credit score can get lucrative promotional offers and rewards on their approved credit cards. Further, elite credit card applicants can also get access to an array of exclusive promotions and events.
  • Many financial experts state that having a minimum CIBIL score of 620 can help you in renting an apartment. Most landlords give preference to tenants with a healthy repayment history and can help you avoid paying exorbitant amounts of money for security deposits.

However, if you are unable to obtain your credit report through this method, you will be required to enter some additional details like Permanent Account Number, City, and Gender. The credit report will be displayed to you once all these details are verified. You will also get the same on your email.

But, in case you are still unable to view your credit report, you will be required to fill in a Q&A form deftly curated by Experian to verify your authenticity. You should be able to view your detailed credit report by submitting this form.

What is a Credit Score / CIBIL Score?

A credit score is typically a 3-digit score usually ranging between 300 and 900, generated to be used as an index of the creditworthiness of a person. The credit score is computed on the basis of the information in your credit report like debt amount, duration of CIBIL history, and repayment history. A CIBIL score is the main factor determining a consumer’s likelihood to obtain loans and also affects the interest rate applicable on the principal amount of the loan.

The formula used for calculating CIBIL score also varies from agency to agency, which means that the CIBIL score for the same individual may differ for every credit bureau. There are various different scoring models and some also factor in other information like the individual’s income while computing the credit score. Higher CIBIL scores are usually a positive indicator that the individual has demonstrated trustworthy credit behaviour in the past, which makes the lenders more confident in the applicant’s ability to repay the loan.

What do the CIBIL Score Ranges Mean?

Your CIBIL score is typically an indicator about your standing in the financial world. Your past behaviour with credit or debit determines the eligibility for your loan or credit application. Your financial and repayment history is under constant scrutiny when it comes down to a credit application. Credit bureaus in the country assign individual’s with a CIBIL score based on several factors such as:

  • Your EMIs and credit card repayment timeline.
  • Your credit utilisation ratio.
  • The number of instances you have applied for credit and whether the request was rejected or approved.

Given below is what your CIBIL score says about your financial habits:

CIBIL Score: 300 to 560

If you have a CIBIL score in this range, your application for credit or loan will not be approved by most lenders. You may have this CIBIL score simply because this is your first step into the financial world, or this is your first time making a credit application. This might also be a result of multiple loan enquiries in a short period of time without having any credit history.

CIBIL Score: 561 to 650

If your CIBIL score ranges between 561 and 650, lenders are more likely to view you as a fresher. This means that any loan amount approved for you will be provided at a higher interest rate, since you will be viewed as a credit risk. This credit score indicates that you have not been responsible with your line of credit in the past and that you may not be eligible for any pre-approved credit lines or loan products

CIBIL Score: 651 to 749

This CIBIL score indicates that you are almost at a level where loan providers view you as a safe and creditworthy applicant. The score implies that you have maintained a healthy financial history in the context of unsecured as well as secured lines of credit. With this CIBIL score, you may get loans with reasonable interest rates but may not be enough for a higher loan amount. Some of the major factors that influence this are money management and your income.

CIBIL Score: Over 750

If you have a CIBIL score over 750, you are viewed as a dependable financial expert. This score means that you have aced the skill of financial management and credit utilisation. Most lenders will not consider you to be a financial risk, and your loan applications will get approved easily on favourable terms.

How is CIBIL Score Calculated?

The four main credit bureaus in the country all use different algorithms to calculate the individual CIBIL score. These models factor in various details about a person’s credit history to determine a score ranging from 300 to 900. Since each credit bureau uses their own proprietary calculator model, the score of an individual may vary from agency to agency. But regardless of what computing model is applied, if your CIBIL score is closer to the 900 mark, the better are your chances for a loan or credit card approval.

What Can Affect My CIBIL Score?

If you are an individual looking for a loan or line of credit, the importance of maintaining a good CIBIL score cannot be understated. Therefore, it is important to be informed about the main factors that have an impact on your credit score. Given below are some of the factors that affect a person’s credit score:

Credit Utilisation Ratio

An individual’s credit utilisation ratio is computed through division of the total credit limit used by the maximum available credit limit across all active lines of credit. This factor is an indicator of your reliance on credit. Not only does a high credit utilisation behaviour adversely affect your credit score, it might also indicate greater repayment burden on the individual. A credit utilisation of 30% or lower is considered to be the ideal credit utilisation limit, and can help you improve your credit score.

Multiple Loan Enquiries

Applying for multiple loans simultaneously with multiple loan providers within a short duration of time indicates that the applicant is desperate for a line of credit. Further, this may also lead to an increase in the hard inquiries made by loan providers on your credit score, which in turn can have a negative impact on your credit score.

Repayment History

Maintaining a healthy repayment history can also help in maintaining a good credit report. Having a financial history of timely repayment of loan, EMIs, credit card bills, etc., can help in maintaining a good credit history. On the other hand, frequently defaulting on credit card or loan repayments can have a negative impact on your credit report

Credit Mix

It is always a good practice to maintain a balance of mixed secured and unsecured lines of credit. Obtaining various unsecured lines of credit like multiple credit cards and personal loans can have a negative affect on your CIBIL score. However, if you have a mix of secured loans (Home Loans and Auto Loans) along with your unsecured lines of credit, you may improve your chances of getting a better credit score.

Errors in CIBIL Report

Apart from all the reasons mentioned above, your credit score may also be affected by errors in your credit report. The credit report can be affected by errors in various details like incorrect reports of default in payments, outstanding loan accounts, etc. These errors may be clerical, or in extreme cases, they can even be an instance of identity theft. It is advised that you take all the steps to fix it at the earliest.

What Kind of Credit Impacts My CIBIL Score?

The type of credit that you utilise plays a major role in the calculation of your credit score. Usually, an individual with mixed types of credit can have a better CIBIL score than someone with just one type of credit account. In India, types of credit can be categorised as secured line of credit or unsecured credit. Let’s take a look at some of the specific effects of different types of credit on your credit score:

  • Secured Lines of Credit: In the context of credit scores, a secured line of credit has the same effect as an unsecured credit line. If you make timely repayments, your CIBIL score will receive a boost. Failure to adhere to repayment deadlines can result in your credit score sinking. The only catch is that you have to be cautious about your spending because maxing out a secured line of credit can affect your credit utilisation limit and negatively impact your credit score.
  • Unsecured Lines of Credit: An unsecured loan has similar benefits to that of a secure line of credit, along with a higher credit limit. This means that with a better credit limit, you can also keep your credit utilisation ratio in check. With a low credit utilisation ratio, you may be able to maintain a healthy credit score.

How Does Credit Score / CIBIL Score Impact My Eligibility?

An applicant’s credit score or cibil score assists the provider to determine the repayment ability of the individual and analyse the creditworthiness risk on repayment of the loans. The better your CIBIL score, the more you have a chance of securing a better loan amount with your preferred terms and conditions. CIBIL score plays an important role in determining your eligibility for a number of lines of credit like car loan, personal loan, credit card, or home loans in the following ways:

  • Personal Loans: A lower credit score adversely affects your chances of loan approval, while a healthier CIBIL score may boost your chances of getting a loan approved. Further, a high credit score will also help the applicant to obtain a higher loan amount on more agreeable terms.
  • Car Loans: Applicants with a higher CIBIL score are more likely to obtain a higher loan limit with nominal interest rates while also being eligible for added perks like zero down-payment, low processing charges, etc.
  • Home Loans: A good credit score may improve your chances of obtaining a favourable home loan at low interest rates.
  • Credit Cards: An applicant with a higher credit score has a better chance of being approved for a new credit card. Further, they might also get added incentives like promotional rewards, higher credit limit, and lower interest rates.

Importance of a Good CIBIL Score

Although your cibil score is not the sole thing that a lender considers while processing your application, it is one of the most important factors most lenders consider. Which means that there are numerous benefits of maintaining a healthy cibil score. Some of the advantages of a good credit score / cibil score are as given below:

  • Having a good cibil score will help you acquire personal loans with higher loan amounts and lower rates of interest. A good credit score indicates to the lender that you are capable and can be trusted to repay the loan amount.
  • A healthy credit score can help you save a considerable amount of money on car or home insurance. Credit scores are scrutinised by insurance providers to determine how good you are at managing your money flow.
  • A healthy CIBIL score generally indicates that you are a financial expert who is in control of every aspect of your finances. This will build a good reputation which will come in handy while applying for loans or while applying for a new credit card.
  • A healthy credit score can also result in you getting better offers and rewards. Applicants with a good CIBIL score can get lucrative promotional offers and rewards on their approved credit cards. Further, elite credit card applicants can also get access to an array of exclusive promotions and events.
  • Many financial experts state that having a minimum CIBIL score of 620 can help you in renting an apartment. Most landlords give preference to tenants with a healthy repayment history and can help you avoid paying exorbitant amounts of money for security deposits.

How Can I Improve My Credit Score?

Even though your financial habits in the past may have adversely affected your CIBIL score, it is possible to rectify that. Your credit score can actually be improved by following a few simple steps as given below:

Build a Credit File

The first step in improving your CIBIL score is to open new accounts that will be reported to all the major credit bureaus. You can work towards this by maintaining a fresh track record as a borrower till the time there are no accounts registered to your name. So having several active and open credit accounts might prove to be helpful. Being an approved authorised user on someone else’s card is also one thing that might help.

Make Timely Payments

Your payment history is one of the major factors that credit bureaus look at while computing your CIBIL score. Having a long financial history of making timely payments without any defaults can help in improving your CIBIL score. This can be done by ensuring that you do not miss any payments by more than 29 days. Setting up automatic payment linked to your debit account might be a good way to make sure that you do not miss any payments.

Catch-Up On Any Past-Due Amounts

If you are overdue or lagging behind on any payments, clearing all the dues would be a good way to start. While a missed payment can stay on your credit report for years, clearing any of your current dues can boost your CIBIL score. Further, it can also stop any new missed payments being added to your detailed credit report.

Clearing Revolving Account Balances

Even if you do not have any outstanding dues, high balances in revolving credit accounts may result in a high credit utilisation rate, which can negatively impact your CIBIL score. Maintaining a low balance on credit cards with respect to the approved credit limit can help in increasing your credit score.

Restrict How Often You Apply For New Accounts

Even though you may need to open multiple accounts to build a credit file, you should usually restrict how often you make credit card applications. This is because any application can lead to invasive inquiries which can negatively impact your CIBIL scores. Further, these inquiries may even pile up and have a cascading effect on your credit report. A new account may also lower the average age of your accounts, which could lower your credit score.

What are the Credit Bureaus in India?

The credit reports and scores in India are computed by the 4 main agencies which are as given below:

TransUnion CIBIL Limited

This is India’s first credit information company which was established in August 2000. The company is in charge of collecting and maintaining data regarding the individual’s financial history, repayment habit, and credit cards. The member banks and financial institutions are responsible for sending these records every month. The information received from such members is used to calculate the credit score and credit reports.

Experian Credit Information Company of India Private Limited

Based in Dublin, Ireland, Experian employs its own method of credit score calculation to create a detailed report. A credit report from Experian contains the individual’s credit history that is presented as credit reports to various financial institutions in India. The lender banks and institutions are required to pay a fee to acquire credit reports from Experian.

Equifax Credit Information Services Private Limited (ECIS)

This is the first and the largest credit information agency in the USA. Headquartered in Atlanta, it provides credit analysis for individuals as well as businesses. Equifax has teamed up with several banks and financial institutions in India that aid the company to generate detailed and accurate CIBIL scores and reports.

CRIF High Mark

This is one of the few agencies that specialises in providing reports based on scoring, analytics, and superior credit management capabilities. They create credit reports on the basis of data collected from the Income Tax Department, banks, and other non-banking institutions.

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What is the difference between a hard credit check and soft credit check?

There are several differences between a hard Cibil score check and soft Cibil score check, some of which are as follows:

  • Hard credit checks are generally carried out by banks or financial institutions when you apply for a loan or line of credit. On the other hand, soft checks are casual checks that you carry out to know about your credit report. These are most commonly done during employee background checks.
  • Hard credit checks have a negative affect on your credit score, while soft checks do not affect your credit score.

How often are credit scores updated in India?

Usually financial institutions and banks submit the customer’s information to the CICs every 45 days, after which the credit agencies update your credit score.

Can credit score inquiries affect the score?

No, credit score inquiries do not affect an individual’s credit score. Urban money provides soft credit score inquiry options that do not have any effect on your credit report. However, applying for a loan or credit card may have an impact on your CIBIL score.

Why do lenders check the Credit Score?

The lenders usually check the credit score of individuals to gauge their repayment ability. It helps the financial institution to understand the risk factors associated with lending to an individual.

What information is included in my credit report?

Some of the information that will be mentioned in your credit report is as follows:

  • Individual’s full name, address, and other information.
  • Contact number and PAN details.
  • Credit card/loans.
  • Credit history.
  • Repayment behaviour.
  • Lender inquiry details.

How long does the information remain on a credit report?

This usually depends on a number of factors like hard inquiries, loan applications, credit card details, and payment details. As soon as changes in any of these are detected, your CIBIL score will also change. The credit agencies obtain such information from banks on a monthly basis just to update the credit score.

Is it possible to delete information from the credit report?

Your credit report can only be accessed by you, government approved regulatory bodies, and lenders.

Can I build a credit report with no credit history?

A sound credit history is crucial for maintaining a proper credit history. This indicates that you have successfully cleared past obligations. Given below are some of the ways that you can build a CIBIL report with no credit history:

  • Obtain a secure line of credit.
  • Make timely payments.
  • Use credit cards wisely.
  • Refrain from applying for multiple bank loans.
  • Keep tracking and monitoring your credit report and history.

What’s the ideal credit score for a credit card application?

A credit score of 700 or over is generally viewed as an ideal credit score for a credit card application.

What do I need to do if I find errors on my credit report?

In case you notice an error or mistake in your credit report, you should get in touch with the credit agencies to get it rectified. It is a fairly straightforward process and can be completed via phone, email, or any other medium.


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