How to check credit score

To check your CIBIL score online, visit the official CIBIL website and register using your PAN card and personal details. After verifying your identity through an OTP, you can easily access your credit score and detailed report. Regular score checks online help you monitor your credit health and stay informed about your financial standing. This simple process ensures you can effortlessly keep track of your creditworthiness.
 

If you’re planning to apply for a personal loan, to checking your credit score beforehand can help you know if you can get quick approval and low interest rates.
 

✅  Check your pre-approved loan offer  with phone number and OTP → Apply online in 5 minutes → Receive funds within 24 hours*.

A CIBIL credit score is a three-digit number that shows how responsible you are with money. It's calculated based on your credit history – basically all the times you've borrowed money and how you've repaid it. Lenders (banks and financial companies) use this number to decide whether to give you a loan or credit card, and at what interest rate.

Think of your CIBIL score as your financial report card. Just like a school report card tells teachers about your performance, your credit score tells lenders about your financial performance. You can easily check your score through online platforms. CIBIL score checking helps you stay informed and take necessary actions to maintain a healthy credit profile for better financial opportunities.

Before lenders approve a loan, they want to know: "Is this person likely to pay me back?" Your CIBIL score is their answer. Lenders check your CIBIL score to understand two main things:
 

• Your creditworthiness: Can you be trusted to borrow and repay money?
• The likelihood of timely repayment: Will you pay back on time or miss payments?

A higher CIBIL score means you're a reliable borrower – someone who pays bills on time and handles money responsibly. A lower score might signal potential risks to lenders. To stay informed about your credit status, you can easily check your credit score online. Regularly performing a CIBIL score check online helps you maintain a good credit profile and improve your chances of loan approval.

Checking your CIBIL score online is the easiest and fastest way to track your credit health—and it’s completely free. You can check your CIBIL score on the Bajaj Finance website in just a few minutes, without affecting your credit score.

Step 1: Enter your basic details

Visit the CIBIL score check page on the Bajaj Finance website. Fill in basic information such as your full name, mobile number, email ID, and PAN card number.

Step 2: Verify with OTP

An OTP will be sent to your registered mobile number and email address. Enter the OTP to verify your identity and keep your personal information secure.

Step 3: View your CIBIL score instantly

Once verified, your CIBIL score is displayed instantly on the screen. You can also choose to access a detailed credit report, which shows your loan accounts, repayment history, and credit behaviour. The report can be downloaded for future reference.

To perform a CIBIL score check, you can also visit the official CIBIL website and request your credit report online. After submitting the request, you will need to provide identification and address proof for verification. Alternatively, you can obtain your credit score offline by visiting the credit bureau in person or by applying for the report via postal mail. When applying by post, submitting the necessary documents is required. Once your information is verified, the credit report will be mailed to you.

Your CIBIL score isn't picked randomly – it's calculated based on specific factors about how you manage money. Here's what goes into your score:

• Credit history: How long you've been borrowing money and how responsible you've been
• Loan repayment behaviour: Whether you pay your EMIs on time, late, or not at all
• Credit usage: How much of your available credit you're using (for example, using Rs. 50,000 of your Rs. 1 lakh credit card limit)
• Types of credit accounts: The variety of loans and credit cards you have
   

Lenders use this score to gauge your financial reliability. To know your CIBIL score, you can check it online and monitor your credit standing regularly. Doing a CIBIL score check online helps you maintain a healthy credit profile.

Understanding your credit score range and what it means

Your CIBIL score ranges from 300 to 900. Here's what different score ranges mean:
 

Regular CIBIL score checking helps you maintain a healthy credit profile. If your score is below 700, don't worry – you can improve it by following good financial habits.

A good credit score opens doors to better financial opportunities. When you have a good CIBIL score, here's what becomes easier:

• Easier loan approvals: Banks are more willing to approve your loan applications
• Lower interest rates: You'll pay less money in interest because banks see you as lower risk
• Higher loan amounts: You can borrow more money when you need it
• Faster processing: Your loan gets approved quicker because banks trust you
• Better negotiation power: You can negotiate with lenders for better terms and rates

Regular CIBIL score checks help you stay financially healthy and loan-ready.

If your score isn't as high as you'd like, here are the key steps to boost it:

• Pay your EMIs and credit card bills on time: This is the most important factor. Never miss a payment.
• Keep your credit utilisation low: Don't use more than 50% of your available credit
• Avoid multiple loan applications at once: Too many applications in a short time can hurt your score
• Monitor your credit report regularly: Check for mistakes and report any discrepancies
• Clear any outstanding dues promptly: Pay off old debts as quickly as possible

These steps help you build a strong credit profile for better loan approvals.

Checking your CIBIL score regularly helps you stay aware of your financial health. An online CIBIL score check is quick, simple, and free, giving you instant clarity on your credit standing. Your score directly affects loan eligibility, interest rates, and approval timelines. By reviewing your CIBIL score at least once a year, especially before applying for credit, you can plan your finances better and take timely steps to improve your credit profile. Check your eligibility for personal loan using just mobile number and OTP – 100% online process.