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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.
Yes, paying to get your CIBIL report can be worth it if you want deeper insights and regular updates about your credit profile.
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
Access to tools like the score simulator helps you understand how financial actions may impact your score
Regularly checking your CIBIL score also helps you stay aware of your credit health, detect any discrepancies early, and maintain a strong score before applying for new credit. This proactive monitoring can improve your chances of loan approval and help you secure better interest rates.
Paid plans can help you stay on top of your credit health, especially if you are planning to apply for loans or credit cards.
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 credit report is generated instantly when requested online from CIBIL. However, banks and financial institutions usually update your credit activity every 30 to 45 days, meaning your score reflects the latest available data within that period.
Your CIBIL score is typically updated every 30 to 45 days, depending on when lenders and financial institutions report your latest credit activity to CIBIL.
As per RBI guidelines, CIBIL offers one free credit report and score every year. You can access it directly through the official CIBIL website. Some third-party platforms also provide free CIBIL scores as part of promotional offers.
You can check your CIBIL score easily and securely through Bajaj Markets. Alternatively, you can also access your score once a year for free on the official CIBIL website.
While one free credit report is available each year, paid subscriptions from TransUnion CIBIL start from around ₹550 for a one-month plan. The cost varies based on the number of reports and plan duration.
No, checking your own CIBIL score is considered a soft enquiry and does not impact your credit score. Only hard enquiries made by lenders when you apply for a loan or credit card can slightly reduce your score.
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