How to Check your CIBIL Score?

CIBIL score is a summary of an individual’s credit history. It ranges between 300 and 900, with a higher score indicating a better credit history. Maintaining a good CIBIL score is essential as lenders use it to evaluate an individual’s creditworthiness before granting a loan or credit.

Checking your CIBIL score is an easy process that can be done online. Let’s talk about the steps to check the CIBIL score:

Step 1: Visit the CIBIL website

The first step to check your CIBIL score is to visit the CIBIL website. Once you visit the website, you will see various options on the home page. You must click the ”Get your CIBIL score” button to get all the information.

Step 2: Fill in your personal details

After clicking the “Get Your CIBIL Score” button, you will be redirected to a new page where you must fill in all your personal details to move forward. The details required are:

  • Your name
  • Date of birth
  • Gender
  • PAN card number
  • Contact information

Filling these details correctly is essential, as errors may result in an incorrect credit score.

Step 3: Choose the subscription plan

Once you have filled in your details, you will be asked to choose a subscription plan.

CIBIL offers various subscription plans depending on the frequency of your credit score updates. You can choose a one-time plan or a monthly or annual subscription plan. It is recommended to choose a subscription plan as it allows you to monitor your credit score regularly.

You can also check the CIBIL score without the subscription plan.

Step 4: Make the payment

After choosing the subscription plan, you will be redirected to a payment gateway. You can pay using a debit card, credit card, or net banking. Once the payment is successful, you will receive a confirmation email with a link to view your CIBIL score.

Step 5: View your CIBIL score

After making the payment, you can view your CIBIL score on the CIBIL website. You will be asked to log in using your email address and a password that you have set during the registration process. Once logged in, you can view your CIBIL score and credit report.

Your credit report will provide a detailed summary of your past and current loans, credit cards, and other credit facilities. Reviewing your credit report carefully and checking for errors or discrepancies is essential.

If you find any errors, you can raise a dispute with CIBIL to rectify them.

Step 6: Monitor your credit score

Once you have checked your CIBIL score, it is vital to monitor it regularly.

A good CIBIL score indicates your creditworthiness and can help you get a loan or credit at a lower interest rate. Just by making a few changes, you can improve your credit score. Some of the steps to improve your CIBIL score are:

  • Pay your credit card bills and EMIs on time
  • Do not apply for multiple loans or credit cards simultaneously
  • Maintain a healthy credit utilization ratio
  • Keep checking your credit report regularly and dispute any errors or discrepancies


Checking your CIBIL score is an essential step in managing your credit history. It is a simple process that can be done online by visiting the CIBIL website. Once you have checked your CIBIL score, monitoring it regularly and taking steps to improve it if necessary is important.