How to download your CIBIL report?

How to download your CIBIL report?

Navigating your credit journey is easier when you regularly monitor your credit report. Learn how you can access your CIBIL report online.
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CIBIL report benefits

CIBIL report, also known as a credit report, is a vital document that reflects your creditworthiness and financial behaviour. A significant part of the process of maintaining a healthy credit score involves downloading your CIBIL report for monitoring. In this article, we will explore the process of accessing your CIBIL report, so you can stay on top of your credit game.
 

Before diving into the steps, let's first understand why your CIBIL report holds such significance. Your credit score, often referred to as your CIBIL Score, plays a pivotal role in determining your creditworthiness. Lenders, such as banks and financial institutions, use this score to assess the risk associated with lending you money. A higher credit score of 750+ indicates a more creditworthy individual, making it easier to secure loans, credit cards, and other financial products at attractive interest rates.


✅  Check your eligibility for personal loan with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

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How can you download your CIBIL report?

You can access your CIBIL Score and CIBIL health report for free with Bajaj Finserv Credit Pulse Report. This unique CIBIL-powered offering gives you real-time updates to your Credit Health Report and monthly CIBIL Score checks, so you can stay up to date on your credit standing.


Signing up is an easy, 3-step process:

  1. Visit the Credit Pulse Reportpage and click on ‘GET IT NOW’
  2. Authenticate your identity with the OTP sent to your mobile number
  3. Provide basic details like your name and PAN information before clicking ‘Submit’
     

Once you receive your 12-digit Credit Pulse Report number, you can log in and monitor all your credit accounts from your personalised dashboard.

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Conclusion

Regularly checking your CIBIL report allows you to track your credit health and take the necessary steps to improve your credit score over time. Remember, a good credit score opens doors to better financial opportunities. By following responsible financial practices and availing of the Credit Pulse Report benefits, you can pave the way for a more secure financial future. 

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (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% p.a.

Processing fees

Up to 3.93% 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 levied on each instance in the event of: (i) dishonour of any payment instrument irrespective of whether the customer subsequently makes the payment through an alternate mode or channel on the same day; and/or (ii) non-payment of instalment(s) on their respective due dates where any payment instrument is not registered/furnished; and/or (iii) rejection or failure of mandate registration by the customer’s bank.

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) of the Dropline limit as per the repayment schedule as on the date of full prepayment.
• Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment.

Part-prepayment

• Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-
• 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 0.472% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

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Disclaimer

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