How To Check TransUnion CIBIL Score Online

How To Check TransUnion CIBIL Score Online

You can check your TransUnion CIBIL Score online through the official CIBIL website by creating an account or logging in to an existing account. Your CIBIL Score ranges from 300 to 900 and summarises your credit history.
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Last reviewed: October 2026


In Summary

You can check your TransUnion CIBIL Score online through the official CIBIL website. You can access one free CIBIL Score and Report every calendar year and review your credit information without affecting your CIBIL Score.


  • Your CIBIL Score ranges from 300 to 900.
  • You can access your free CIBIL Score and Report once every calendar year.
  • You can create a CIBIL account and verify your identity online.
  • Existing users can log in using their registered mobile number or username.
  • Checking your own CIBIL Score does not lower your score.
  • Your report includes credit accounts, payment history, personal information and credit enquiries.
  • You should check the report for incorrect account details or enquiries that you do not recognise.
  • You can raise a dispute with CIBIL if you identify an inaccuracy.

Checking your report regularly can help you identify errors and monitor changes in your credit profile.

What is the TransUnion CIBIL Score?

The TransUnion CIBIL Score is a three-digit number ranging from 300 to 900 that summarises your credit history and repayment behaviour. It is calculated using information in your credit report, including your repayment history, credit utilisation and existing credit accounts.


A higher score generally indicates a stronger credit history, while a lower score may reflect delayed or missed repayments. However, the score is not the only factor considered when assessing a loan application.


A score of 750 or above is generally considered strong, while scores below this level may still be considered depending on the lender's eligibility criteria and other aspects of your financial profile.


Your income, existing debt, credit history, employment profile and repayment capacity can also influence your loan eligibility, interest rate and available loan amount. A good CIBIL Score can support your credit profile, but it does not guarantee loan approval or specific loan terms.

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How can you check your TransUnion CIBIL Score online?

You can check your TransUnion CIBIL Score online by visiting the official CIBIL website and accessing the Free CIBIL Score and Report service. If you are a new user, you need to create an account and complete identity verification. Existing users can log in to their CIBIL account.


Step 1: Visit the official CIBIL website

Go to the official TransUnion CIBIL website and select the option to access your Free CIBIL Score and Report. The service is available once every calendar year.

Step 2: Create an account or log in

If you do not have a CIBIL account, follow the registration process. If you already have an account, use the available login option. The current CIBIL login flow supports mobile-number-based login as well as username-based login.

Step 3: Provide your personal details

During registration, you may need to provide details such as your date of birth, address and identity information. These details help CIBIL verify your identity before providing access to your credit information.

Step 4: Complete identity verification

Complete the verification process requested by CIBIL. You may need to provide the identity information requested on the registration page before accessing your CIBIL Score and Report.

Step 5: Access your CIBIL Score and Report

After completing the applicable registration or login process, you can access your CIBIL Score and Report. Your score is a three-digit number ranging from 300 to 900.

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What information can you see in a CIBIL Report?

our CIBIL Report contains information about your credit history and related personal details. Key sections include:


Report sectionWhat you can check
CIBIL ScoreYour three-digit score between 300 and 900
Personal informationName, date of birth and identification details
Contact informationAddress and telephone details
Employment informationIncome details reported by credit institutions
Account informationLoans, credit cards, balances, account status and payment history
Enquiry informationCredit enquiries made when you apply for credit

Review these sections to check whether the information accurately represents your credit activity.

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How do you read your TransUnion credit report?

Your credit report contains the information used to calculate your CIBIL Score. Reviewing it regularly can help you identify errors, unfamiliar accounts and incorrect payment information.


  1. Personal details: Check that your name, date of birth, PAN, address and contact details are correct.
  2. Credit accounts: Review your loans and credit cards, including account details, outstanding balances and repayment history.
  3. Payment status: Check that your EMI and credit card payments are reported correctly and that there are no incorrect late-payment or default entries.
  4. Discrepancies: Look for unfamiliar accounts, incorrect balances or other reporting errors. If you find an error, you can raise a dispute with TransUnion CIBIL.
  5. Credit enquiries: Review the enquiries recorded on your report and check that they relate to credit applications you made or authorised.

An unfamiliar account or credit enquiry may indicate an error or possible misuse of your information. You should review your report regularly and raise a dispute if you identify incorrect information.

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What does your CIBIL Score mean?

Your CIBIL Score ranges from 300 to 900 and is calculated using information from your credit history, including the Accounts and Enquiries sections of your CIBIL Report. The score ranges can be broadly understood as follows:


CIBIL Score rangeCredit profile
300–549Poor
550–649Fair
650–749Good
750–900Excellent

A higher score generally indicates a stronger credit profile and may improve your chances of credit approval. However, the final lending decision depends on the financial institution’s assessment and other applicable factors.


Your CIBIL Score should therefore be considered alongside your income, existing financial obligations, credit history and other applicable eligibility criteria when you apply for credit.

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Can you check your CIBIL Score before applying for a personal loan?

Yes. You can check your CIBIL Score before applying for a personal loan to understand your credit profile and identify any incorrect or outdated information in your credit report. Reviewing your score in advance can also help you assess your credit position before submitting a loan application.


For a Bajaj Finance Personal Loan, a CIBIL Score of 650 or higher is part of the stated eligibility criteria. However, meeting this score requirement alone does not confirm loan approval. Your application is assessed based on other applicable eligibility and verification requirements.


Before applying, review your CIBIL Report for:

  • Payment history: Check whether your loan and credit card payments are reported accurately.
  • Outstanding accounts: Review your active loans, credit cards and outstanding balances for accuracy.
  • Credit enquiries: Check recent enquiries and confirm that they relate to applications you made or authorised.
  • Account information: Look for unfamiliar accounts, incorrect balances or other discrepancies.
  • Personal details: Verify information such as your name, PAN and contact details.

If you find an error, you can raise a dispute with TransUnion CIBIL and have the information reviewed before applying, where appropriate. Regularly reviewing your credit report can help you maintain accurate credit information and make informed borrowing decisions.


If you meet the CIBIL Score requirement, you can also check your eligibility for a Bajaj Finance Personal Loan based on your income, existing financial obligations and other applicable criteria. This can help you understand whether you may qualify before proceeding with an application.

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What should you do after checking your CIBIL Score?

After checking your CIBIL Score, review your CIBIL Report to understand the factors that may be affecting your credit profile. Check your payment history, outstanding balances, active credit accounts and recent enquiries for accuracy.


If your report is accurate, focus on maintaining healthy credit habits:

  • Pay EMIs and credit card dues on time: Timely payments help maintain a consistent repayment history.
  • Manage credit utilisation: Avoid using a large portion of your available credit limit for extended periods.
  • Limit unnecessary credit applications: Multiple applications within a short period can result in additional credit enquiries.
  • Review your report regularly: Monitoring your report can help you identify changes or unfamiliar accounts early.
  • Maintain existing credit responsibly: Avoid taking on additional debt unless it fits within your repayment capacity.

If you find an incorrect entry, unfamiliar account or inaccurate payment information, raise a dispute through the appropriate TransUnion CIBIL process or contact the concerned financial institution for correction.

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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Overview

Is CIBIL the same as TransUnion, and what is the minimum CIBIL score required to get a loan?

CIBIL refers to TransUnion CIBIL, a credit information company that maintains credit records and provides credit scores in India. There is no universal minimum score required for every loan. The required score varies by financial institution, loan type and other eligibility factors.

TransUnion CIBIL provides access to credit reports and scores through its available services, which may include free and paid options depending on the service and frequency of access. Check the official TransUnion CIBIL website for the current pricing and terms before requesting your credit report or score.

You can check your TransUnion CIBIL Score through the official TransUnion CIBIL website by following the available process for accessing your credit report or score. You may need to provide identification and other details to verify your identity before accessing your credit information.

TransUnion CIBIL Score is based on information reported by credit institutions to TransUnion CIBIL and is designed to reflect your credit history. However, you should review your CIBIL Report for accuracy. If you find incorrect information, you can raise a dispute through the appropriate process.

Your TransUnion CIBIL Score is calculated using information in your CIBIL Report. Factors include your repayment history, credit utilisation, types of credit accounts, outstanding balances and recent credit enquiries. The score reflects patterns in your credit behaviour and can change as the information in your report is updated.

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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000