Credit score
Check your credit score.
India has four RBI-licensed credit bureaus, and each one owes you one full free score and report every calendar year, direct from their own website — no card, no fee. Here's how to check yours, and how to read what you get back.
Free · 2 minutes
Check your free credit score
Takes under a minute — no PAN card, no payment.
Or go straight to the source
We don't pull or store your credit score ourselves — nobody should hand that over to a site that isn't one of these four RBI-licensed bureaus. These links go straight to each bureau's own free-check page.
What counts as a good score
All four bureaus score on the same 300-900 scale, though your exact number can differ by 10-30 points between them depending on which of your lenders report to which bureau.
| Score range | Rating | What it typically means |
|---|---|---|
| 750 – 900 | Excellent | Best available rates, fastest approvals |
| 700 – 749 | Good | Approved at most lenders, standard rates |
| 650 – 699 | Fair | Approved at some lenders, higher rates |
| 300 – 649 | Building / Poor | Approval difficult outside NBFCs |
Already checked your score?
See what loan amount and rate it puts you in range for, or work on specific issues:
Frequently asked questions
Is checking my own credit score free in India?
Yes. RBI mandates that each of the four credit bureaus — TransUnion CIBIL, Experian, Equifax, and CRIF High Mark — provide one full free credit report and score per calendar year through their own official website. Beyond that first free check, most bureaus charge a small fee (typically ₹250-₹400) for additional reports or ongoing monitoring.
Does checking my own credit score lower it?
No. Checking your own score is a 'soft inquiry' and has no effect on your score, no matter how often you do it. Only a 'hard inquiry' — when a lender pulls your report because you've applied for a loan or credit card — can cause a small, temporary dip, typically 5-10 points.
Which credit score do Indian banks actually check?
Most commonly CIBIL, since it's the oldest and most widely used bureau in India, but lenders are free to check Experian, Equifax, or CRIF High Mark instead — and some check more than one. There's no single unified score across bureaus, so your score can differ by 10-30 points between them depending on which lenders report to which bureau.
What is considered a good credit score in India?
All four bureaus use a 300-900 scale. As a general guide: 750 and above is excellent and typically gets you the best available rates, 700-749 is good, 650-699 is fair and usually means higher interest rates, and below 650 makes approval difficult at most mainstream banks and NBFCs.
How often is my credit score updated?
Bureaus typically refresh your score on a roughly monthly cycle, as your lenders report new account activity — payments, new loans, credit card balances — to the bureau. The exact timing varies because it depends on when each of your individual lenders submits their data, not a fixed date you can rely on.