How to Download Your CIBIL Report

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:

• 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:

Identify Errors Early

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.

Improve Credit Health

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.

Fraud Detection

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.

Track Financial Behaviour

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.

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 to avoid errors.