How to check your CIBIL score for free

You don't need to pay anyone to see your CIBIL score. TransUnion CIBIL gives every person one free score and full report each calendar year, and the other three RBI-licensed bureaus do the same. Here's exactly how to get it safely.

What you need before you start

  • Your PAN card number (main ID used by credit bureaus)
  • Mobile number and email you have access to (for OTP)
  • Your full name and date of birth exactly as on PAN
  • About 5 minutes

Steps to get your free CIBIL score

  1. Open the official TransUnion CIBIL free score page (button below). Make sure the address in your browser is cibil.com.
  2. Choose the free annual CIBIL score and report option. You do not need to buy a paid plan.
  3. Enter your name, email and mobile number, and create a password.
  4. Select PAN as your ID type and enter your PAN, date of birth, PIN code and gender.
  5. Verify your identity with the OTP sent to your mobile or email. You may also be asked a few questions about your existing loans or cards.
  6. Your CIBIL score and full credit report appear on your dashboard. Download and save the report.

Check free on official site (TransUnion CIBIL) ↗

Get 3 more free reports from the other bureaus

Your lender might check any of India's four credit bureaus. Each one gives you one free full report a year, so you can see up to four free reports a year. Scores can differ a little between bureaus because each uses its own model and data.

Check your score free from the official credit bureaus

TransUnion CIBIL

India's oldest credit bureau. The 'CIBIL score' most lenders talk about comes from here. One free score & report every calendar year.

Check free on official site ↗

Experian India

Global credit bureau licensed by RBI. Offers a free credit score and one free full report a year.

Check free on official site ↗

Equifax India

RBI-licensed credit bureau. One free credit report per year after a quick online sign-up with OTP.

Check free on official site ↗

CRIF High Mark

RBI-licensed bureau with strong coverage of microfinance and small loans. One free report per year.

Check free on official site ↗

Stay safe while checking your score

  • Only enter your PAN and personal details on the official bureau websites, or on your own bank's official app or website.
  • No genuine bureau or bank will call you and ask for your OTP, password or card PIN.
  • Be careful with anyone who charges money to 'check' or 'fix' your CIBIL score. Correct negative information can't be removed by anyone.
  • Since 2025, the RBI requires Indian banks to move to website addresses ending in .bank.in. Check the address before you log in.

Frequently asked questions

Is the CIBIL score really free?

Yes. TransUnion CIBIL provides one free CIBIL score and report per calendar year on its official website. Paid subscriptions are optional and only needed if you want frequent updates.

Can I check my CIBIL score without PAN?

PAN is the main identifier bureaus use. Some bureaus accept other IDs such as passport or voter ID, but PAN gives the most accurate match.

Why is my score different on different websites?

Different bureaus (CIBIL, Experian, Equifax, CRIF) use different scoring models and may have slightly different data, so the numbers can vary. Lenders usually look at the full report, not only the number.