Check Your CIBIL Score for FREE

If you are looking for resources on how to check your CIBIL Score for free, you have landed on the right page.

CIBIL score is an important metric when it comes to measuring your overall financial health.

A good CIBIL score ensures an increased probability of your loan application getting approved.

In this article, I will take you through a step by step approach on how to check your CIBIL score for free, plus how to read your CIBIL report once you have the access to it.


Step 1: Visit PaisaBazaar and key in your details

While you can check your score on CIBIL’s website, I would suggest taking benefit of platforms like PaisaBazaar.

It’s because Paisa Bazaar’s CIBIL Score checker tool is 100% free, it takes less than a minute to access your report and the interface is quite fluid and intuitive.

Check your CIBIL Score free using Pasia Bazaar

Have the following personal information ready with you. Also, you would need to confirm your mobile number via an OTP.

  • Date of birth
  • Pan Card Number
  • Pin code (of residence)
  • e-mail address
  • Mobile number


Step 2: Provide additional security information, if required

Your bank/credit card company reports your latest phone number to CIBIL.

Your CIBIL account is linked to that number.

While checking your score on Paisa Bazaaar, if you have provided a different phone number you might be asked a few security questions.

This is to ensure that only an authorized person (i.e. you) is accessing the details.

See the example below where I tried to check my score using a different mobile number and I was asked a couple of questions.

Enter the details on Paisa Bazaar Platform


Step 3: Understand the different sections of your credit report

A. Dashboard of your CIBIL Score

Once you have authenticated your identity, you will be redirected to the CIBIL Report dashboard (as shown below).

CIBIL Score Report Dashboard

The first thing which you see on the dashboard is your CIBIL Score.

A score above 750 (out of 900) is considered a good one.


B. Factors affecting CIBIL Score

Next, click on the ‘factors’ (in the left side menu) to see your details across individual factors.

If you want to improve your CIBIL score, your focus should be on working on these 4 factors :-

  • How many loan/credit card payments were made on time? More the number of payments made on time, higher will be your CIBIL score.
  • What percentage of credit available are you using every month? More the percentage, lower will be your score. In fact, my CIBIL score was 896/900 few months back. I happen to make heavy purchases in the last couple of months and that impacted my score so much.
  • What’s the age of your credit history? A higher age gives a better picture of your credit worthiness.
  • The number of credit card and loan accounts you have as part of your history. Since this is a low impact area, important is to have clean accounts (where you have paid in full).

Below, you will see my details across these 4 factors.

4 factors affecting your cibil score


C. Credit account details section

Under ‘account details‘, you will see all your past and current loan and credit card accounts.

details of all your loan accounts

Pay enough attention to this section since there may be accounts that report incorrect information (e.g. a pending charge on you).

In case that happens, reach out to the bank/company concerned and settle your account.

If you refer to the first record in the image above, you will see that the report shows an old credit card account with Indusland Bank.

Over the years, I stopped using this card because of better offers from other companies..

However, the account is still shown as active.

Since I have not used this card in the past 10 years, I will get the account formally closed now.


D. Download the report to check discrepancies

You can also download the detailed credit report to check the details of each account.

You will be shown the date on which you have started the account, the date of closure, the last reported credit due, last payment date etc.

The green boxed towards the end of each account shows the payment status for that account.

Credit account detailed information



You now know how to check your CIBIL Score online for free by using your PAN Card.

Once you have access to the detailed report, don’t forget to look at each of your accounts.

In case there is any discrepancy, reach out to the financial institution for correction.

And just in case your credit score is low, understand that you need to maintain healthy financial habits to improve it.

Hope this was helpful.