4 Best Free Credit Report India | How to Check CIBIL Score Free

Free Cibil Score Check: Want to check your CIBIL score online for free? We have shared some of the ways to calculate CIBIL score for free. There is one bonus method by which you will receive free Whatsapp updates every month with your CIBIL score.

Check My CIBIL Score for Free
Check My Credit Score

Having an idea about your credit score is useful in many ways. For example, you are looking for a  loan or applying for a credit card where cibil score is taken as top priority to judge the creditworthiness of an individual.

Here we are sharing a list of websites to check for your CIBIL score and also generate credit report. CIBIL score is a three digit number ranging from 300 – 900. This score helps organisation or lenders to judge your credit-worthiness.

Credit Score Check Free Online

Free Credit Report Gov: Credit report is a multiple page document that contains detailed information about your spending for that year period.

CIBIL score is a part of that report which sums up your payment behavior into a number. CIBIL score is important factor at the time of taking loan or credit card. They check your whole spending behavior and judge whether you are eligible for that service or not.

Recommended: CreditMantri: Earn Unlimited Paytm Cash by Referring Friends

Factors That Affects Your Credit Score

There are many ways your credit score can be dropped upon your action. Few of the factors that affects your CIBIL score are –

  • Exceeding Credit Limit: Your credit score gets reduced if you spend 50% more than the credit limit.
  • Secured & Unsecured Loan Balance: Secured loans are loans for home, gold, etc. Example of unsecured loans is personal loan which comes without any security. You need to have greater percentage of secured loans in order to play safe on credit score.
  • Payment Delay: If you make a delay in payment or do a partial payment then it causes negative impact on CIBIL score.
  • Multiple Loans or Credit Card Under Approval: If you have many loans and credit card application without approval then it leads to decrease in credit score.

So if you are asking yourself a question that “How can I improve my CIBIL score?” Then you need to take all above points into consideration beforehand.

How to Check My Credit Score for Free Online?

Free Credit Report India: There are many online sites that provides this service. We are sharing two of the top trusted sources to check CIBIL score online for free. We have also added a bonus method which makes your task much easier and convenient.

1) Check Free Credit Score Online in 2 minutes from CreditMantri.com‎

Creditmantri free credit score
Check My CIBIL Score Free

You have to fill your personal details which will be safe and secured. After OTP verification and details like PAN card you will get your CIBIL score on the next page.

If you don’t have any credit score yet then you will be suggested with some offers and benefits to attain a good score.

2) Free CIBIL Score Worth Rs.1200 Check Online in 2 Min on Paisabazaar

paisabazaar free credit score online
Credit Score Check Free

Paisabazaar CIBIL Score Free is another popular site which helps you to get free credit score in 2 minutes. All you need to do is fill some of the details along with PAN card number. They will fetch data from bureau and generate your CIBIL score. If you don’t have any then you will be provided with offers.

There is another great thing about paisabazaar is that they are running a refer and win program. Here you can win Rs. 5000 worth of Amazon Gift card.

3) Get Free CIBIL Score and Report from Official CIBIL Website

Free CIBIL Score and Report cibil com
know your cibil score by pan number

CIBIL.com is an official and most trusted source to get your credit score and report. Initially you can get your free cibil score and report. There are few premium plans on monthly basis.

All you need to do is register to cibil.com and check cibil score by PAN card for proof. After verification of OTP, CIBIL.com will generate your credit score as well as complete credit report for free.

BONUS: Get Monthly Credit Score Report on Whatsapp

WishFin Credit Score Free
cibil score free credit score

WishFin is a service which offers free 12 Month CIBIL Membership. It helps you to get monthly credit score for absolutely free of charge.

Benefits of using WishFin:

  • Helps maintain / improve your score over time
  • Keeps you updated about your Credit Health, and take corrective action if required
  • Monthly checks are absolutely FREE via Wishfin. Just have to login.
  • Helps you plan purchase of Financial Products, if required
  • They assure you that your CIBIL Score is not affected by checking.

ALSO READ: Debit Card EMI on Mobiles 2018

Conclusion on How to Get Free Credit Score

I hope you liked this post on how to check your credit score online for free. We will be updating this post more in future with extra offers and benefits to make your score perfect. If you have any query then you can leave your comments below. We will get back to you asap.

  1. Sagar says


  2. Sanjay says

    Hey abhisheak I want to know how i get free cibil score login Url and Get my Cibil score with step and also share few more tips.

    1. Abhishek Kumar says

      Hello Sanjay, I have share 4 links for free credit score login. You can choose anyone and signup for free. The steps are very simple and will take just 2 minutes to check your CIBIL score or report.

  3. Ajay Sharma says

    Can you add few tips on how can I improve my CIBIL score?

    1. Abhishek Kumar says

      Thank you Ajay. I will be adding some of the tips to maintain your CIBIL score in a good range. Stay tuned.

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