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Credit reports determine the debt paying capability of an individual and it consists of the summary of the credit history. From the 1st of January, 2017 The Reserve Bank of India (RBI) has made it obligatory for all credit information agencies in the country to give a full credit report (FFCR) free of cost, once a year to individuals who request an FFCR and if credit history is available for the respective requests. This article will cover in detail what is CIBIL, What is credit report and score, how you can get your free CIBIL credit report online with images.

Overview of How to Get Free Credit Report from CIBIL

Our article How to Get Free Credit Report in India gave an overview of the credit report, compared the credit card companies and talked about how can one get free credit report in India from CIBIL, Experian, Equifax and CRIF High Mark.

CIBIL stands for Credit Information Bureau (India) Ltd. and it was set up as India’s first credit bureau. It is the oldest and most popular credit companies in India.

  • Complete Form,
  • Authenticate yourself Answer 3-5 questions about your Loans & Credit cards
  • Password sent to your email id
  • Create New Password (Password should have at least 8 characters with at least 1 lowercase alphabet, 1 uppercase alphabet, 1 special character, and atleast 1 number)
  • Log in with your email id and new password
  • Access your free CIBIL Report and Score

Steps to fill Form

  • Go to https://www.cibil.com/freecibilscore and click on  ‘click here to try your Free Annual CIBIL Score & Report‘ link or go directly to  https://www.cibil.com/freecreditscore/
  • Click  ‘I want my Free CIBIL Score & Report’.
  • You have to provide your email address, Date of Birth, Gender, PAN details & Captcha code and then click on Submit button.
  • In the next page, you have to provide your communication address, mobile number etc and click on Submit button.
  • You will get a pop-up window comparing fee-based CIBIL report Vs free CIBIL report. You can click on No, Thanks option to continue.
  • In the next page, you can provide alternate email-id by clicking Submit or skip the step.
  • Instantly you will get an SMS to your mobile, with details about your Credit Score. Also, you will receive an email with login credentials to access your Free Credit Report @ myCIBIL.
  • You have to now visit myCIBIL page and log-in with the credentials provided in the email.
  • You can see your Credit score and Credit Report

What is CIBIL credit report and score?

A credit score is a 3 digit number ranging from 300 to 900 that explains the creditworthiness of an individual. This credit score helps the banks to decide if an individual has the capability to pay any debt or loans upon which an individual’s loan will be approved or rejected by the bank authority. 300 is the lowest credit score where the chances of loan approvals are nil, while score generally above 700 is considered to be a decent credit score. When a person avails any credit from the bank, such as takes a credit card or a loan(personal loan, home loan), credit history begins. Every credit handling behavior is accounted before merging into a final credit score.  At present, there are four credit Information companies in India. Our article How to Get Free Credit Report in India gave an overview of the credit report, compared the credit card companies and talked about how can one get free credit report in India from CIBIL, Experian, Equifax and CRIF High Mark.

  • CRIF High Mark Credit Information Services Pvt. Ltd,
  • Equifax Credit Information Services Pvt. Ltd,
  • Experian Credit Information Co. of India Pvt. Ltd and
  • Transunion CIBIL Ltd.

Credit Information Bureau (India) Ltd. is the first and oldest credit bureau in India. Credit records consisting of borrowing and payments related to loans and credit of companies and individuals are collected and maintained by CIBIL. This information is received by CIBIL every month from its associate partners consisting of banks and credit institutions. With this information, CIBIL produces Credit Information Report (CIR) and credit score and passes both to the banks which in turn guides them to approve/reject loans and credit applications.

How is CIBIL credit score calculated

How is CIBIL credit score calculated

How to get a Free CIBIL credit report and credit score?

As you can check your credit score free of cost once every year, if you are planning to apply for a loan or opt for a credit card, check your score to know the probability of approvals. The steps on how you can get free CIBIL report are given

Free CIBIL score and report

Free CIBIL score and report

  • You will get another window to fill in the details like email address, PAN, date of birth, Gender.
  • If you don’t have PAN, you can click on click here.
  • Enter captcha, characters in the box (in the image below are ciaddd)
  • Click on Terms and conditions applicable and are available on the site. Go through it.
  • Check the acknowledgment box if you agree to the Terms and Conditions
  • Click on Submit.
Free CIBIL score and report- 2

Free CIBIL score and report-

Details to fill in for free Cibil Credit Report when you don’t have PAN

It will show a screen, shown in the image below, where you can enter your details such as name, Date of Birth, contact details.

For Identity proof, you can choose Income Tax Id Number(PAN)/Passport Number/Voter ID Number/Driver License Number, as shown in the image below. This form is also filled by those who have PAN hence PAN is an option available.

Fill form for Free Cibil report when you have no PAN

Fill form for Free Cibil report when you have no PAN

Details to fill in for your free CIBIL Credit Report if you have PAN

A new screen will come where you have to fill in your name, enter your contact details like address, mobile number, and email id. Some information like you Date of Birth, Gender, PAN details, email id are filled in, which you can change.

  • You have to fill in your Name, Contact details.
  • The Email ID and phone number should be the ones linked to your bank accounts and credit accounts.
  • Enter captcha, characters in the box (in the image below are ciaddd)
  • Click on Terms and conditions applicable and are available on the site. Go through it.
  • Check the acknowledgment box if you agree to the Terms and Conditions
  • Click on Submit.
Fill form for Free Cibil report when you have no PAN

Fill form for Free Cibil report

Subscription to Paid Cibil Credit report

You will get a window asking you to subscribe to regular paid CIBIL report, as shown in the image below.

You can choose No Thanks , if you don’t want to subscribe.If you want regular reports you can subscribe to

If you want regular reports you can subscribe to Bi-Annual Subscription (2 reports for Rs 800 i.e Rs 400 each) or Quarterly Subscription(4 reports for Rs 1Bi-Annuals 300 each).  Where you would be taken to another window(after alternate Email ) to pay through credit card, net banking or wallets.

Subscribe to paid free cibil report

Subscribe to paid free cibil report

Alternate Email Id for free CIBIL Credit Report

You will see a screen which asks for alternate email id which you have linked to your credit card or loans.

Cibil report provide alternate email id

Cibil report provide alternate email id

On submit, if your authentication is successful you will see a screen as shown in the image below. Please note the email id to which your login details would be sent. For us, the message was that login credentials will be sent to alternate email address.

Cibil successful authentication

Cibil successful authentication

Mail for login details for free CIBIL Credit report

Mail for login details will be similar to shown in image below

Mail from CIBIL for accessing your free CIBIL report

Mail from CIBIL for accessing your free CIBIL report

Login for CIBIL Credit report and Credit Score

Go on https://www.cibil.com/mycibil/ and log in using the email address where the mail was sent and one-time password in the mail. You will then be asked to change your password. The pPassword should have at least 8 characters with at least 1 lowercase alphabet, 1 uppercase alphabet, 1 special character and at least 1 number.

Change password to access free CIBIL credit report

Change password to access free CIBILcredit report

After successful password change, you can log in again with your email address(where login details were sent) and new password as shown in the image below.

Login for free CIBIL score and Report

Login for free CIBIL score and Report

Check CIBIL Credit Report

Once your login is successful, you will see a screen as shown in the image below.

  • your credit score will be noticeably displayed on the top.
  • With your myCIBIL account, you can view your detailed report, raise a dispute, track dispute resolution etc.
  • You can also find your personal, contact, employer, and account information under view report section.
Check your CIBIl credit report

Check your CIBIl report

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