How to Check Free CIBIL Score Online

Your CIBIL score plays an important role in determining creditworthiness. It reflects repayment history and overall credit behaviour. Lenders examine this score before approving loans, credit cards, and other financial products.

Understanding how to check your CIBIL score helps you stay aware of your credit status and manage credit use carefully. You have to monitor your score online and track changes regularly to maintain better control over your credit profile.

Yes, you can check your CIBIL score for free through authorised credit bureaus and regulated financial marketplaces without paying any subscription or service charge. Understanding how to check CIBIL score helps you monitor credit health regularly, spot errors early, and take timely action before applying for any credit product.

Checking your CIBIL score is simple and can be done quickly, helping you stay on top of your credit health. Follow these steps to check via the Bajaj Markets app carefully to ensure smooth verification and accurate results:

1. Check Credit score: First, click on ‘Check CIBIL Score’ button on this page

2. Enter your mobile number: Provide your registered mobile number to receive a one-time password

3. Enter OTP: Input the OTP sent to your mobile to verify your identity securely

4. Select profession: Choose whether you are salaried or self-employed from the options provided.

5. Fill in your details: Enter your full name, email ID, PAN number, pincode, date of birth, and monthly salary accurately

6. Tap on 'Get Score': Click the ‘Get Score’ button to view your CIBIL score instantly

To check your CIBIL score, you only need basic identification details that help credit bureaus verify your identity accurately and securely.

• PAN card: This acts as your primary credit identifier and links all loan and credit card records correctly across lenders

• Valid mobile number: You receive a one-time password for verification, ensuring only you can access your credit information

• Date of birth: This confirms your identity and avoids mismatches with other individuals holding similar names

• Address details: Your current or recent address helps credit bureaus cross-check records and maintain accurate credit history mapping

Checking your CIBIL score for free does not harm your credit score because it counts as a soft enquiry initiated by you for personal tracking purposes

• Soft enquiry: When you check your own score, credit bureaus record it only for reference, and lenders cannot see or evaluate this activity

• No impact on eligibility: Regular self-checks do not influence loan approvals, interest rates, or credit limits in any way

• Smart financial habit: Monitoring your score helps you identify errors early and improve credit behaviour before making major borrowing decision

Yes, checking your CIBIL score can remain free for life if you use authorised sources that permit periodic self-checks without charging any mandatory subscription fee. However, while understanding how to check free CIBIL score, you should note that some services may promote paid plans for detailed reports, alerts, or analysis, which remain entirely optional and never required for basic score access.

Yes, free CIBIL scores are accurate because they come directly from authorised credit bureaus that maintain your official credit records.

When you understand how to check free credit score, you access the same underlying data that lenders review during loan or credit card assessments, although paid versions may include deeper insights, historical trends, or personalised monitoring tools.

No, no one can check your CIBIL score without your explicit consent because access requires identity verification and one-time password authorisation. Lenders can view your credit score only after you approve a formal credit application, ensuring your credit information remains private and protected at all times.

While the process remains straightforward, you may occasionally face technical or verification-related issues that delay access to your credit information.

Mobile Number or OTP Issues

You may not receive the one-time password if your mobile number is not linked correctly with your PAN or if there are temporary network delays. Additionally, repeated OTP requests within a short time can trigger security blocks, requiring you to wait before retrying.

PAN or Aadhaar Verification Errors

Mismatch in name spelling, date of birth, or identity details between your PAN, Aadhaar, and lender records can prevent successful verification. These inconsistencies usually arise due to outdated records or data entry errors during past credit applications.

Incomplete Credit History

If you have never used a loan or credit card, the system may show insufficient credit history, which can temporarily block score generation. In such cases, credit bureaus need at least one active or closed credit account to calculate your score accurately.

Technical or Server Issues

High traffic on authorised websites can sometimes lead to slow loading, session timeouts, or temporary service unavailability. Waiting for some time and retrying usually resolves these issues without further action.

Multiple Profile Detection

If your credit records exist under slightly different personal details, the system may detect multiple profiles and pause access. This issue typically requires record consolidation by the credit bureau before your score becomes visible.

After reviewing your score, you should take immediate, practical steps that strengthen your credit profile and prevent avoidable rejections later.

Review Your Credit Report Carefully

You should scan your credit report line by line to confirm that personal details, account statuses, and repayment histories reflect accurate and up-to-date information.

Identify and Dispute Errors Early

If you notice incorrect balances, duplicate accounts, or wrongly reported late payments, you should raise a dispute promptly to prevent long-term score damage.

Assess Your Credit Utilisation

You should evaluate how much of your approved credit limit you are using and aim to keep utilisation low to demonstrate responsible borrowing behaviour.

Improve Repayment Discipline

You should prioritise timely repayments across all active loans and credit cards, because consistent payment behaviour influences your score the most.

Avoid Unnecessary Credit Applications

You should pause new loan or card applications unless genuinely required, since frequent credit enquiries can signal risk to lenders.

Build or Strengthen Credit History

If your credit history is limited, you should consider using credit products cautiously and maintaining regular repayments to establish a reliable track record.