Credit Score · Guide
What is a CIBIL score?
CIBIL is one of four credit bureaus licensed by RBI to compile Indian credit histories. Your 'CIBIL score' is a single number between 300 and 900 that summarises your repayment behaviour across all loans and cards.
By FinancePaisa Editorial Team · Research & editorialUpdated · 2 min read
On this page (5 sections)
The four Indian credit bureaus
- TransUnion CIBIL - the most widely referenced bureau
- Experian India
- Equifax India
- CRIF High Mark
What data goes into the score
Every bank and NBFC reports your loans, credit cards, EMIs, and payment behaviour to all four bureaus every 30 days. The bureau aggregates this into a report and a score. The score itself is derived from a proprietary model but the key inputs are known.
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How to get your CIBIL report
- Go to cibil.com and register with PAN and OTP
- One free detailed report per calendar year
- Paid subscriptions for monthly refreshes
- Your bank's app may also show a free score (Experian / CIBIL variant)
Frequently asked questions
Sources & references
- CIBIL — Get your free CIBIL score & report — TransUnion CIBIL
- RBI — List of RBI-licensed Credit Information Companies — Reserve Bank of India
- CIBIL Score FAQ — TransUnion CIBIL
Rates, fees, eligibility, and product terms cited on this page reflect the sources above at the time of publication and may have changed since. Always verify directly with the lender or regulator.