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A good way to ensure that you get a loan on affordable terms is to check and confirm that your CIBIL score is high. Almost all banks and NBFCs in the country today refer to your CIBIL score as a measure of your creditworthiness.
You may come across a number of advertisements offering to help you check your CIBIL score for free. However, in order to preserve the safety of your information, it is essential you check your CIBIL credit score on trusted websites.
Check your CIBIL score with confidence by visiting the TransUnion CIBIL website. Here, you can access your credit history and other related information for free, as well as making a nominal payment.
Check CIBIL Score for free
You can use the CIBIL website to check your CIBIL score and get your CIBIL report for free. All you have to do is log on to CIBIL portal and click ‘Get your CIBIL score’. You will then be redirected to a page asking you to create your account. Once you have successfully registered yourself and verified your account, you will be able to check your CIBIL credit score. Here, you can also request a free CIBIL report and download it from the link provided to you via email. Now, you can also check CIBIL score for free with Bajaj Finserv at no extra cost. All you have to do is enter your basic details.
Additional read: How is your CIBIL score calculated?
Check CIBIL Score by making a nominal payment
By paying for an account with CIBIL, you can check your CIBIL credit score and CIBIL report more than once. Choose from membership packages of 1 month, 6 months and 1 year.
Selecting one of these packages will give you access to daily updates on your CIBIL credit score and CIBIL report. Once you have selected a package, you will be directed to a registration page. Register yourself as a member to get to your account and regularly check your CIBIL credit score. Furthermore, you can also file disputes online easily when you come across any incorrect data on your CIBIL report.
Additional Read: How much CIBIL score is required to get a personal loan
What should be your CIBIL score to apply for a personal loan
Your CIBIL score is a 3-digit figure that ranges between 300–900. Check your CIBIL credit score to gauge your credit standing before applying for a personal loan online or credit card.
Analysing your CIBIL report regularly will give you a chance to evaluate your creditworthiness and will help you note misrepresentations, so that you can request an update or alteration to boost your credit score. This will ensure that you get affordable financing when you need it.
Bajaj Finserv, one of the most diversified non-banks in the country, offers personal loans, home loans, business loans, and a host of other financial products based on your credit score. And applying for these is easy too.
✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.
Additional Read: How to get a personal loan with low CIBIL score
Key offerings: 3 loan types
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) |
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:
Part Pre-payment
|
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.
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 |
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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
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