How to Check Your CIBIL Score: A Step-by-Step...

How to Check Your CIBIL Score: A Step-by-Step Guide

How to Check Your CIBIL Score: A Step-by-Step Guide

What is a CIBIL Score?

A CIBIL score, provided by TransUnion CIBIL, is a three-digit number ranging from 300 to 900 that represents your creditworthiness. It is calculated based on your credit history, including your borrowing and repayment habits. A higher score indicates good credit behaviour and increases your chances of getting approved for credit products.

Why is Your CIBIL Score Important?

Lenders use your CIBIL score to assess the risk of lending you money. A high CIBIL score can:

       Increase your chances of loan approval.

       Help you get better interest rates.

       Improve your negotiation power with lenders.

       Enable quicker loan processing.

How to Check Your CIBIL Score

Here’s a detailed step-by-step guide on how to check your CIBIL score:

Step 1: Visit the CIBIL Website

Go to the official CIBIL website ( This is the most reliable source for checking your CIBIL score.

Step 2: Create an Account or Log In

If you are a new user, you will need to create an account. Follow these steps:

  1. Click on the "Get Your CIBIL Score" button.
  2. Fill in your details such as name, email address, phone number, and ID proof (PAN card is commonly used).
  3. Set a password for your account.
  4. Click on "Submit".

If you already have an account, simply log in with your credentials.

Step 3: Provide Personal and Financial Details

Once logged in, you will need to provide additional personal and financial information to verify your identity. This includes:

       Date of Birth



       Identification proof details (e.g., PAN, Aadhaar)

       Employment details

       Existing loan and credit card information

Step 4: Answer Verification Questions

You will be asked a few verification questions based on your credit history. Answer these questions accurately to proceed.

Step 5: Payment and Subscription Options

CIBIL offers various subscription plans for accessing your credit score and report. Select a plan that suits your needs. You can opt for a one-time report or a subscription for regular updates.

Step 6: Access Your CIBIL Score and Report

After completing the payment, you will be able to access your CIBIL score and credit report instantly. Review your credit report carefully to understand your credit health.

Tips for Maintaining a Good CIBIL Score

  1. Pay Your Bills on Time: Timely payments of your credit card bills and EMIs contribute positively to your score.
  2. Keep Credit Utilization Low: Avoid using more than 30% of your credit limit.
  3. Avoid Multiple Loan Applications: Too many loan applications in a short period can negatively impact your score.
  4. Check Your Credit Report Regularly: Regular checks help you spot and rectify any discrepancies.


Checking your CIBIL score is a simple process that can provide you with valuable insights into your financial health. By following the steps outlined above, you can access your CIBIL score and take proactive steps to improve or maintain it. Remember, a good CIBIL score is your gateway to better financial opportunities.

Stay informed and take charge of your credit health today!




Frequently Asked Question

  • Why SRFC is the Best Finance Company?

    We provides financial services facilitate the smooth functioning of transactions in an economy. We provide reliable measures and set benchmark to boost and strength the MSME sector in India

  • What types of loans do loan SRFC offer?

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  • What are the requirements for getting a loan?

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