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How about checking some pre-approved offers you might be eligible for?

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CIBIL Login & Registration Process

If you want to apply for loans, including personal loans, then checking your CIBIL score becomes mandatory. Only an individual with a good CIBIL score can get loans sanctioned. Be it banks or Non-Banking Financial Companies (NBFCs), any loan application must be backed by a good CIBIL score for approval.

A CIBIL score is a three-digit number, ranging from a minimum of 300 to a maximum of 900. A score above 750 is usually considered good.

In the case of companies, Credit Information Bureau (India) Limited (CIBIL) provides for CIBIL rank, ranging from a maximum of 1 to a minimum of 10. A rank from 4 to 1 is considered ideal for getting credit. For checking your CIBIL score, you require the twin processes of: CIBIL login registration.

Understanding CIBIL login registration process for consumers

CIBIL consumers comprise both individuals and companies seeking their credit reports and CIBIL scores. As a consumer seeking your latest CIBIL score, you need to first register on CIBIL's website. After completion of the registration process, you are required to pay subscription charges for regular reports. For subsequent monitoring of reports, you are required to log in CIBIL's website.

Charges for CIBIL subscription

  • CIBIL provides a one-time free credit score to individuals. You can easily generate a report after filling in the form for a free credit score on CIBIL’s website. Here, you are required to provide details, like PAN card, existing loan and credit card particulars.

  • You must, however, note that for getting access to regular individual credit scores, either quarterly or bi-annual subscriptions are required. After providing a free report, CIBIL charges Rs 550 for another one-time report and Rs 800 for a bi-annual report. Quarterly credit scores—four in a year—can be subscribed at the cost of Rs 1,200.

  • For companies, CIBIL charges Rs 3,000 for a one-time Company Credit Report (CCR) or CIBIL Rank.

Understanding CIBIL registration steps for individuals

You can view your updated credit score by registering on CIBIL’s website through these five simple steps:

Step 1: Visit CIBIL main website, select its credit section. Now, choose the subscription you want. Then you are required to provide details, including date of birth, PAN particulars and email address. Once you submit the details, you will be asked to accept the terms and conditions.

Step 2: Now you are required to pay for the subscription. You have the options of making the payment through net banking, debit/credit card and cash card.

Step 3: Next, you need to provide the details pertaining to your credit card and loans. CIBIL will cross-check these details before creating the credit score.

Understanding CIBIL registration steps for companies

A company can register itself through the steps given below:

Step 1: The company has to select the option of ‘Company Credit Score.’ Details, including company’s name, address, legal constitution, authorised signatory’s Id and address proof, additional information like Company PAN, Company Identification Number, Loan Account Number, Tax Identification Number etc. has to be provided.

Step 2: Now payment has to be made through net banking, credit/debit card or cash card.

Step 3: A unique CIBIL registration ID along with a transaction ID will be sent to the registered email address. The first ID is to be used for CIBIL login in future.

Step 4: Now the company’s KYC documents have to be uploaded.

Step 5: After verification, the CIBIL rank and Company Credit Report (CCR) will be provided.

KYC documents for CIBIL login

For getting access to your individual CIBIL score login, you have to submit both identity proof and address proof documents. While bank statements/telephone bills/electricity bills can be used as address proof documents, identity proof documents are: Aadhaar card, passport, driving license and voter’s Id card.

For companies, only proof of address, like bank statement, electricity/telephone bill has to be provided as other details have already been furnished during the registration process.

How to Upload KYC Documents for CIBIL Login?

You must ensure to upload the recent KYC documents before proceeding to CIBIL score login. Expired or invalid documents can result in cancellation of the registration process. You can proceed to upload KYC documents in the steps given below:

Step 1: Visit the KYC page on CRISIL’s website: https:// www.cibil.com/kyc-check. Once you select the option for generating an individual credit score, or a CCR, you will be redirected to the KYC uploading page.

Step 2: Provide the date of birth and email address. This should match with the details provided during the registration process.

Step 3: Select the type of document for identity proof ( for individual credit scores) and upload it.

Step 4: Select the type of document for address proof. Upload it and click on ‘Submit.’

Understanding CIBIL login for consumers

Once you have completed the process of registration, you can log in on CIBIL's website using your registered email address and password. For this, you have to visit the section of ‘myCIBIL’ on its website:

Benefits of myCIBIL:

myCIBIL is the platform to view the latest CIBIL score and credit reports. It provides manifold benefits like pre-approved customised loans at reasonable rates, greater efficacy in dispute resolution, regular online access to credit reports and CIBIL scores and discounts on reports ranging up to 45%.

Conclusion

Thus, you can now have access to better financial management by regular analysis of your customised CIBIL score. For this, you can avail any of the CIBIL’s subscriptions. You can also know about your financial well-being through the free Financial Health Check Report on Finserv MARKETS. Not only is the free, customised report, in-depth and comprehensive, it is also easy to understand. You must also keep in mind that a credit score above 750 ensures that you can get your personal loan approved, on Finserv MARKETS, within three minutes. With simple eligibility conditions, minimal documentation and flexible repayment tenors, a personal loan, available on Finserv MARKETS, can help you meet a wide variety of planned and unplanned expenditures.

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