Check Your Free CIBIL Score Online

A CIBIL score is a 3-digit number ranging from 300 to 900 that reflects your creditworthiness. It shows how responsibly you have managed your credit over time

In India, your credit score is generated by one of the four RBI-licensed credit bureaus including TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. Each bureau uses its own algorithm to calculate your score, so results may slightly vary.

 

The score generated by TransUnion CIBIL is one of the most widely used scores in India. The CIBIL score ranges from 300 – 900, where 900 is the highest. Usually, a score of 750 or more is considered to be ideal.

 

You can check your CIBIL score for free through a simple and quick digital process on Bajaj Markets. The higher the score, the higher your chances of getting approvals for loans and credit cards. When you apply for a loan, it helps lenders determine whether you will be able to repay the loan in the given tenure or not.

Your CIBIL score falls within a range of 300 to 900 and indicates how well you've managed your credit. Lenders often use this range to determine your eligibility for loans or credit cards. A higher score reflects responsible financial behaviour and increases your chances of approval with better terms.

Follow these steps to check your CIBIL score for free:

1. Click on the ‘Get Score Now’ option on this page

 

2. Enter a few personal details, such as 

• Name
• Personal email ID
• PAN details
• Residential pincode
• Date of birth
• Mobile number
  
  

3. Select your employment type from the options provided in dropdown menu

 

4. Tick the consent box

 

5. Click on 'Get Score’

 

6. Enter the OTP sent to your registered mobile number and click on ‘Proceed with OTP’

 

 

7. On verification of details, you will be able to view your CIBIL score

 

For better surveillance of your credit score, consider checking your report often. It offers a detailed view of your credit cards, loans, and personalised tips to improve your score.

 

Additionally, it includes tailored financial offers based on your credit profile. The app includes widgets like 'DID YOU KNOW' and 'IMPROVE YOUR SCORE.' These provide you with insights to help you manage your credit score better.

Here is how different factors that impact your score are then graded based on some simple formulas and calculations. This is used to calculate your overall CIBIL score:

Credit Enquiries

A limited number of credit enquiries helps keep your score high, showing lenders you're mindful of your credit activity. This is usually denoted as good, fair, or poor, depending on the number of credit enquiries undertaken over a specific period. The more infrequent your enquiries, the lower the impact on your score. Here’s a detailed overview of the same for your use:

Repayment History

Timely repayments have a positive impact, demonstrating your reliability and boosting your score. The sooner you pay your outstanding dues, the better it is for your credit history. This is represented in the form of a percentage, calculated by using the following formula:

 

Percentage = Your missed payments / your total payments x 100

 

The percentage is then categorised as ‘Good’, ‘Fair’, and ‘Poor’:

• Good: Below 15%

• Fair: 15% to 50%

• Poor: Above 50%

Length of Credit History

The longer your credit history, the better your score can be. This is because it highlights your experience in managing credit. If your oldest account is more than 48 months old, the length of your credit history is considered ‘Good’. If it falls between 24 to 48 months, it is ‘Fair’. However, if it is under 24 months, it is termed ‘Poor’.

Credit Mix

A healthy balance of credit types can improve your score, showcasing your ability to manage different kinds of credit smoothly. This is calculated as a percentage by using the following formula:

 

Percentage = Count of secured accounts / count of total tradelines

 

Next, the percentage is categorised as ‘Poor’, ‘Fair’, and ‘Good:

• Good: 25% or above

• Fair: 5% to 24.99%

• Poor: Below 5%

Credit Limit Utilisation

It is the percentage of the credit limit that you use every month. Ideally, you should not use more than 30% of your card's total credit limit to maintain a healthy CIBIL score. This percentage can be calculated with the help of a simple formula:

 

Credit utilisation ratio = Utilised credit limit / total credit limit

 

This ratio is then categorised as follows:

• Good: 30% and above

• Fair: 30% to 70%

• Poor: Below 70%

Lenders check your CIBIL score to gauge your creditworthiness and assess the risk of extending credit. As per the official website of TransUnion CIBIL, over 79% of loans are approved for individuals with a CIBIL score above 750, as it reflects responsible credit management. A high CIBIL score not only increases your chances of approval but may also lead to better loan terms, such as lower interest rates or higher loan limits. On the other hand, a score below 600 is often considered risky, leading to rejections or loans with stricter conditions and higher interest rates.

A good CIBIL score shows that you're a responsible borrower. It builds lender confidence and improves your access to better financial products and services.

• Access to higher credit limits on loans and credit cards: Lenders are more likely to extend larger credit amounts if you have a strong repayment history.
  

• Faster loan approval: A good score accelerates application reviews and disbursals.
  

• Ability to negotiate better interest rates and fees: Strong credit allows you to request favourable terms.
  

• Qualify for premium financial products: Enjoy premium credit cards with exclusive perks or high-amount loans.
  

• Greater trust when you apply for a loan or co-sign: Your score can support both personal and joint credit applications.

A low CIBIL score reflects poor credit habits or inconsistent behaviour. This may make lenders hesitant to offer credit or impose stricter terms.

You might have a low score due to the following reasons:

• Irregular or missed EMI payments – Payment defaults lower your trust score
  

• High credit limit utilisation – Using too much of your credit reduces your rating
  

• Multiple recent credit enquiries – Frequent hard checks signal credit dependency
  

• Lack of credit mix – Having only unsecured or only secured credit limits your profile strength
  

• Incorrect account status or discrepancies – Errors in reports can drag down your score
  

• Too many unsecured loans or multiple hard inquiries – This adds risk and negatively affects your profile

If you're new to credit and don't have a CIBIL score yet, it would be marked as NTC or NH in your report.  In this case, lenders may not have enough data to assess your creditworthiness. Here’s how you can begin building your score:

• Apply for a secured credit card, typically issued against a fixed deposit
  

• Take a small loan and repay on time, which builds a positive credit history
  

• Ensure PAN is updated with the credit bureau to help with the tracking and score generation
  

• Avoid multiple credit applications at once as it may trigger unnecessary hard inquiries
  

• Regularly check your credit report to ensure accuracy from the start

 

Building a score from scratch takes time but helps you access better financial offers in the future.

If you have a low CIBIL score, here are a few ways through which you can improve it:

• Pay your dues on time

• Avoid taking too many loans at the same time

• Maintain a good credit mix

• Review your credit report at regular intervals

• Limit hard credit enquiries

• Keep credit utilisation below 30%

• Avoid closing old accounts

Checking your CIBIL score is just the first step. What matters is how you interpret the results and act on them. Your credit report offers a snapshot of your financial health, which you can use to make informed decisions.

Here’s what you should do next:

• Carefully review your credit report: Cross-check your loan and credit card accounts, repayment history, and personal details for any errors or mismatches.
  

• Understand where you stand:  A score above 750 is excellent, but even a lower score can be improved with the right steps.
  

• Identify issues: Look for late payments, maxed-out credit cards, or too many recent loan enquiries.
  

• Plan corrective actions: Pay off outstanding dues, lower your credit utilisation, and avoid new debt temporarily.
  

• Monitor your progress regularly: Use tools or apps that track changes in your score and alert you to updates.
  

• Apply only for credit you’re eligible for: Avoid multiple rejections that can further lower your score.
  
  

A disciplined approach after reviewing your score helps you maintain financial credibility and qualify for better credit opportunities.

Certain financial and personal details are not considered when calculating your CIBIL score. Understanding these can help you focus only on the factors that truly matter.

• Savings or current account balances – These are not tracked by credit bureaus
  

• Employment status or income – While relevant to lenders, these do not influence your score directly
  

• Soft enquiries – Checking your own credit score does not harm it
  

• Assets owned – Real estate, gold, or investments do not impact your credit score
  

• Marital status or education level – Personal demographics are not used in scoring algorithms
  
  

Focus on repayment behaviour, credit mix, and utilisation—these truly impact your credit profile.