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Download your CIBIL report PDF quickly and securely by following simple online steps to review your credit details, track your score, and stay in control of your financial profile.
Last updated on: Jun 16, 2026
A CIBIL report is a comprehensive document that provides a detailed record of your credit history, including your payment behaviour, outstanding loans, and credit score. It helps lenders assess your creditworthiness when you apply for loans or credit cards. Regularly checking your CIBIL report ensures that your financial records are accurate and free from errors.
You can check your customised credit report conveniently using the Bajaj Markets App. Here's how to download your CIBIL report in PDF format:
Download the Bajaj Markets App from the Apple App Store or Google Play Store
Tap on the ‘CIBIL Score’ option displayed on the home screen
Enter your mobile number and select the ‘GET OTP’ option to proceed
Input the OTP sent to your registered mobile number and click on ‘PROCEED’
Provide your details, including your name, e-mail ID, PAN, and residential pincode
Select your employment type, choosing between salaried or self-employed
Enter your net monthly income
Review the ‘Terms of Use’, tick the consent box, and give your approval
Tap on ‘GET SCORE’
Your CIBIL score will be displayed on the screen instantly, providing you with quick and easy access to your credit information. A personalised report with details and offers that may suit your credit profile and financial requirements is also provided. You can check this report to get an overview of your credit behaviour and financial status.
Additionally, you can also access your CIBIL report for free once a year from the credit bureau. Follow these simple steps to successfully complete a CIBIL report download from the official TransUnion CIBIL website:
Visit the official CIBIL Website (www.cibil.com)
Click on ‘GET FREE CIBIL SCORE & REPORT’ option available on the homepage
If you’re a new user, register by entering your details like name, e-mail ID, mobile number, and a password. Existing users can log in directly by using their credentials.
Choose the ID type easily accessible to you and enter the ID number as requested. Select from the following ID types:
Income Tax ID Number (PAN)
Driving Licence Number
Passport Number
Ration Card Number
Voter ID Number
Enter your date of birth, PIN code, and other requested information for verification
You will receive an OTP on your registered mobile or e-mail ID for identity verification
Once the process is complete, you can view and download your CIBIL report
This process to download a CIBIL report PDF is quick and straightforward, taking only a few minutes to complete.
Here are some advantages of frequently checking your CIBIL report:
Your CIBIL report might have errors like incorrect personal details or payment records. These mistakes can lower your credit score and affect loan approvals. Regularly reviewing your report lets you spot these issues and take quick corrective actions by raising disputes with TransUnion CIBIL.
Monitoring your CIBIL report helps you identify areas to improve, like reducing credit card usage, etc. These actions can gradually improve your credit score, making you eligible for loans at better terms in the future.
Regularly checking your report helps detect unauthorised activities. This includes instances where loans or credit card accounts may have been opened in your name without your consent. Early detection lets you report fraud and prevent further financial damage to your credit profile.
Your CIBIL report reflects your financial habits, such as timely payments and credit usage. Reviewing it regularly helps you understand how your decisions affect your score, encouraging disciplined financial management for better credit health.
As per the Reserve Bank of India (RBI) guidelines, every individual is entitled to one free credit report per year from each credit bureau, including TransUnion CIBIL. This ensures transparency and allows you to review your credit profile without any cost.
To download your free CIBIL report as a PDF through the official website, follow these steps:
Visit the official website: Go to the TransUnion CIBIL website and select the option to get your free CIBIL score and report
Register or log in: Create an account using your basic details, or log in if you are an existing user
Verify your identity: Enter identification details such as PAN or another accepted ID, along with your date of birth and PIN code
Complete OTP authentication: Confirm your identity using the OTP sent to your registered mobile number or e-mail ID
Access your report: Once verified, your CIBIL dashboard will be displayed with your credit score and report details
Download the PDF: Look for the download option on the dashboard to save your CIBIL report as a PDF for future reference
If your CIBIL report is password-protected, follow these steps to open it:
Download and Open the Report: Use a PDF reader to open the downloaded file
Enter the Password: The password of your CIBIL report is the first four letters of your name, followed by your birth year. For example: If your name is Rajeev and you are born in 1998, then your password would be ‘raje1998’.
Access Your Report: Once the correct password is entered, the report will be accessible.
Ensure that you follow the password format precisely, including case sensitivity, to avoid errors.
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Yes, you can check your credit score for free on the official CIBIL website or on Bajaj Markets.
Credit reports are compiled by credit bureaus like TransUnion CIBIL by using data provided by lenders and card issuers. The information submitted usually includes the loan repayment history, outstanding debts, and credit inquiries.
No, only authorised entities like lenders or the individual associated with the report can access the credit score.
You will receive details such as your credit account summary, repayment history, and details of your outstanding dues.
You can access your CIBIL report immediately after completing the verification process online.
You may have to create an account on the CIBIL website and check your report. However, if you have no credit history, the report may not show any details.
No, you cannot access someone else’s CIBIL report unless you are authorised to do so by them or have their consent.
CIBIL reports typically maintain your credit history of the last 7 years.
You can check your CIBIL report as many times as you wish. Note that this will not impact your score.
Visit the official TransUnion CIBIL website, register or log in with your credentials, and verify your identity using OTP. Once authenticated, navigate to your dashboard, where you can view your credit report and download it as a PDF for future reference.
The password for a CIBIL report PDF is typically a combination of your personal details. It is usually the first four letters of your name (in lowercase) followed by your birth year. Ensure the format is correct to successfully open and access your report.
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