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Know about the cost and subscription options for accessing your TransUnion CIBIL credit report.
A CIBIL report, issued by TransUnion CIBIL, summarises your credit history, repayment track, and active credit accounts. Lenders use it to assess your creditworthiness.
You can check your CIBIL score for free once a year on the official portal. For frequent access, paid subscription plans with 1, 6, or 12-month validity are available, depending on the number of reports and features.
CIBIL charges vary depending on the type of report you choose, individual or company, and how frequently you wish to access it.
Here’s how it works for both individuals and companies:
| Type of Report | Free Access | Paid Access (Subscription) |
|---|---|---|
CIBIL Individual Score Report |
Once per year |
Available via paid subscription plans |
CIBIL Company Credit Report |
Not applicable |
Available via paid business plans |
Your CIBIL Individual Score Report provides a detailed summary of your credit profile, including your credit score (300–900 range), active accounts, repayment history, and enquiries. It helps lenders assess your creditworthiness and loan eligibility.
You can access your CIBIL score for free once every 12 months through Bajaj Markets.
Here are some key points you should know:
Available only once per calendar year
Requires basic details such as PAN and registered email ID
Additional reports beyond the free one are chargeable
Free report includes your credit score and credit summary
| Plan Type | Number of Reports | Validity | Charges (₹) | Includes CIBIL Score |
|---|---|---|---|---|
Starter Plan |
1 |
Single Purchase |
₹118 |
No |
Basic Plan |
1 |
1 Month |
₹550 |
Yes |
Standard Plan |
2 |
6 Months |
₹800 |
Yes |
Premium Plan |
4 |
12 Months |
₹1,200 |
Yes |
Note: The Starter Plan includes only the CIBIL report without the CIBIL score. Reward points or discount codes cannot be used for this purchase.
Disclaimer: Fees are indicative and subject to change as per official CIBIL pricing.
The CIBIL Company Credit Report (CCR) shows a business’s credit history, repayment behaviour, and overall financial health. It also includes a CIBIL Rank, ranging from 1 to 10, where 1 represents the best credit profile. The rank is available for companies with credit exposure of up to ₹50 Crores.
Businesses are not eligible for a free annual CIBIL report. Access to the Company Credit Report and CIBIL Rank is available only through paid plans.
Here are the details:
| Plan Type | Validity | Charges (₹) | Key Features |
|---|---|---|---|
Basic Plan |
1 Month |
₹3,000 |
Weekly refresh of CCR and CIBIL Rank, 1 GST Report |
Standard Plan |
6 Months |
₹6,000 |
Weekly refresh, 6 GST Reports (monthly update) |
Premium Plan |
12 Months |
₹12,000 |
Weekly refresh, 12 GST Reports (monthly update) |
Disclaimer: Prices are as per official CIBIL rates and may change without prior notice.
The cost of checking your CIBIL score depends on several factors, such as:
Basic reports are cheaper as they provide limited information, while detailed reports with full credit history cost more.
A single report request usually costs more per check than long-term subscription plans, which are more economical.
CIBIL report charges may vary across platforms depending on the features, data access, and level of detail offered.
Paying for a CIBIL membership can be useful if you want regular access to your credit report and additional insights into your credit behaviour. While you can get one free CIBIL report each year, a paid CIBIL membership typically offers ongoing access and added features for better monitoring.
With a paid plan, usually priced at around ₹1,200 per year, you can receive regular updates on your credit profile instead of waiting for the annual free report. This allows you to track changes more closely, especially if you are actively managing your credit.
A paid CIBIL subscription offers several benefits:
You receive detailed information and analysis of your CIBIL history
You get regular updates and alerts about any changes to your credit score
You can access tools like a score simulator to understand how financial actions may impact your score
You may also get support in raising disputes and resolving errors in your credit report
If you monitor your credit frequently or plan to apply for a loan or credit card soon, a paid CIBIL membership can help you stay informed and address issues quickly. However, if your credit activity is limited, the free annual report may be sufficient for basic review.
You can check your CIBIL score through several free options. While paid subscriptions provide detailed insights and regular updates, these alternatives let you access your score at no cost:
Many banks and financial institutions offer free CIBIL score checks as part of their services. You can also check your CIBIL score for free on Bajaj Markets by logging in to the website or app to view your score instantly.
Some financial platforms provide free CIBIL score checks through limited-time promotional offers. These allow you to monitor your credit health while exploring financial products.
As per RBI guidelines, you are entitled to one free credit report every year from credit bureaus like TransUnion CIBIL. This report helps you review your credit history and identify any discrepancies.
Before checking your CIBIL score or choosing a CIBIL subscription, keep these points in mind:
Choose between a one-time report or a subscription plan based on your needs
Look for discounts or special offers on CIBIL subscription plans to save money
Use your one free annual credit report before opting for any paid CIBIL score check
Knowing the charges to get your CIBIL report helps you manage your financial health more effectively. It allows you to track your score, identify errors early, and make informed credit decisions with confidence.
Your CIBIL report is generated instantly when you request it online through the official portal or authorised platforms. However, if you apply through offline or postal methods, it may take up to 7 days to receive your report. Lenders typically update your credit information every 30 to 45 days, so your report reflects the latest available data within that period.
Your CIBIL score is usually updated every month, depending on when lenders and financial institutions submit your latest credit activity to CIBIL.
You can access your CIBIL score and report for free once every year, as mandated by RBI guidelines. This free access is available on the official CIBIL website. In addition, you can also check your CIBIL score for free on Bajaj Markets. A full CIBIL subscription, however, provides ongoing access and additional features beyond this annual free report.
You can check your CIBIL score without a paid subscription through platforms like Bajaj Markets, which provide free access to your credit score. You can also use authorised financial platforms or access your free annual report on the official CIBIL website.
You can check your CIBIL score for free once every year. For additional access, a one-time CIBIL report typically costs around ₹550 on the official portal. The cost may vary depending on the plan or number of reports you choose.
No, checking your own CIBIL score is considered a soft enquiry and does not affect your credit score. Only hard enquiries made by lenders during loan or credit card applications can have a minor impact on your score.
A paid CIBIL membership provides access to detailed credit reports, regular score updates, and alerts about changes in your credit profile. It may also include tools such as a credit score simulator, support for raising disputes, and multiple report downloads based on your selected plan.
A CIBIL Company Credit Report typically costs around ₹3,000 for a single report. These commercial CIBIL charges are higher than individual report costs because they include detailed financial and credit data related to a business.
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