CRIF High Mark Subscription Charges and Services

Your personal credit score is a three-digit number that reflects how responsibly you handle credit. It summarises your financial history, including loans, credit cards, and repayment patterns, giving lenders a clear view of your credit behaviour.

A strong score increases your chances of getting loans and credit cards at better rates, while a low score can limit your options. Checking your CRIF Score Report regularly helps you track progress, correct errors, and plan steps to improve your score. Maintaining a healthy score enhances your financial credibility and confidence.

Free CRIF Individual Credit Score Check

CRIF High Mark lets you check your credit score for free once every year. As per RBI rules, every person in India can get one free full credit report each year from every credit bureau.

This report shows your credit history, open and closed loans, repayment record, and current score. You can view it instantly on the CRIF High Mark website by entering a few basic details.

Checking your free report helps you track your credit health, correct mistakes early, and see how lenders judge your reliability — all without any cost or impact on your score.

Personal Credit Report Subscription Fees for Paid Services

CRIF High Mark offers paid subscription plans for those who want to monitor their credit score more often. These plans give you regular updates, so you can track changes in your credit profile all year.

You can pick a monthly, half-yearly, or yearly plan, depending on what suits you best. Each option includes unlimited access to your credit report, your score history, social benchmarking, and a score simulator that shows how different financial choices might affect your score.

Subscribing to a plan helps you stay alert, manage your credit smartly, and keep your financial health on track.

The CRIF Business Credit Report provides a clear picture of a company’s financial health and credit behaviour. It includes details such as loans, repayment patterns, outstanding balances, and any delays in payments.

A strong business credit score enhances your chances of securing loans, credit lines, and partnerships on better terms. Regularly checking your report helps you monitor performance, identify risks early, and maintain a credible financial profile for future growth.

Unlike personal credit reports, CRIF High Mark does not provide a free company or business credit score check. The Reserve Bank of India allows only individuals to receive one free credit report per year, not business entities.

For companies and MSMEs, business credit reports are available as paid services. These reports can be purchased directly from the CRIF High Mark portal or through authorised lender platforms. They include detailed insights into a company’s credit history, repayment performance, and financial reliability.

This approach is standard across all credit bureaus in India, ensuring that businesses can access accurate and verified credit data for informed financial planning and decision-making.

CRIF High Mark offers paid business credit reports that help companies understand their financial standing and creditworthiness. These reports are useful for securing loans, attracting investors, or assessing potential partners.

The standard CRIF Business Credit Report is available at a one-time fee of ₹2,700, offering a detailed summary of your company’s credit history, repayment track record, and current credit score. This report helps you identify strengths, detect risks, and build a more credible financial profile.

Unlike personal credit reports, business reports do not come with free annual access. Companies must buy each report as needed, ensuring they always receive the latest and most accurate credit data for financial planning and decision-making.

Here are the key factors that influence how much you pay for your CRIF High Mark credit reports and subscriptions:

Type of Report

Charges differ depending on whether you choose an individual or business credit report.

Subscription Plan

Monthly, half-yearly, and yearly plans come with different pricing and discounts.

Report Frequency

Regular report access or monitoring services cost more than one-time checks.

Data Detail Level

Reports with extra insights, such as benchmarking or score simulation, may carry higher fees.

Business Size and Profile

Larger companies with complex credit histories may have slightly higher reporting costs.

Platform or Access Method

Buying reports directly from CRIF or through partner platforms can affect total charges.

Applicable Taxes and Fees

GST and other service charges may increase the final payable amount.

Paying for a CRIF High Mark report can be a smart choice if you want a deeper look into your financial profile. While the free annual report gives you a basic overview, a paid subscription offers regular updates and detailed insights that help you track your progress throughout the year.

For individuals, it’s a useful way to monitor credit behaviour, spot errors early, and plan better before applying for loans or credit cards. For businesses, it provides valuable data to understand financial standing, build lender trust, and make informed borrowing or partnership decisions.

In short, the small cost often delivers significant value by helping you stay financially aware, avoid surprises, and make better credit decisions.

Understanding a few key points about CRIF High Mark’s pricing can help you choose the right plan and avoid unexpected costs:

• The free annual credit report is available only for individuals, not for businesses

• Paid reports offer more features such as credit score tracking, benchmarking, and score simulation tools

• Subscription prices vary depending on the plan duration and level of access you choose

• All listed charges are subject to GST and may change without prior notice

• Business credit reports must be purchased separately and are not part of personal plans

• Always review the final amount before payment to confirm any applicable taxes or service fees

• It is best to buy reports directly from CRIF’s official website to ensure accuracy and data security

Here are some of the key products and services offered by CRIF High Mark:

• Identification and Application Risk Services

• CRIF India Business Rank (CIBR)

• Credit Bureau Information

• Deduplication Platform

• External Data Connector

Understanding CRIF High Mark subscription charges helps you make informed financial decisions. With flexible plans for personal and business credit reports, CRIF gives clear insights into your financial health and repayment history. Regularly checking your credit score helps you maintain a strong credit profile, improve loan eligibility, and stay confident in your financial journey.