How To Check CIBIL Score? – A Simple Step-by-Step Guide

Let’s say Riya, a 29-year-old from Coimbatore, got her first credit card in March 2023. Her starting CIBIL score was 640, which is just average. But guess what? She made all her payments on time, used only 20% of her credit limit, and didn’t apply for too many loans. By March 2024, her score had jumped to 765, a solid score!

• Because of that, she got a two-wheeler loan instantly with low interest
• She saved ₹18,000 in interest over 3 years compared to someone with a lower score!
• She even got pre-approved for a personal loan!

Isn’t that cool? By being smart with credit, Riya also opened more doors and saved money!

What is a CIBIL Score?

For Example, Rohan dreamed of buying a ₹6,00,000 metallic blue car. He applied for a loan, but the bank rejected it. Why? His CIBIL score was 610. His friend Meera, with a score of 785, got her loan approved instantly, at a lower interest rate too! Rohan had missed EMI payments earlier, while Meera paid hers on time.

What is a CIBIL Score?

• A 3-digit number ranging from 300 to 900
• Shows how well you repay credit/loans
• Based on your credit history
  
  

Why does it matter?

• 720+ = Trusted borrower, better loan terms
• 640 or less = Risky borrower, higher interest
  
  

Why is CIBIL Score Important?

Groom Rejected Because of Low CIBIL Score – A Real Story from Murtizapur

Rahul, a 30-year-old man from Murtizapur, Maharashtra, was all set to marry Priya in an arranged marriage. Both families were excited and busy with wedding preparations.

During a pre-wedding meeting, Priya’s uncle asked to check Rahul’s CIBIL score, a number between 300 and 900 that shows how well someone manages loans and credit cards.

Rahul’s score was just 520.
 

That’s low. Why? Because he had taken many loans, missed payments, and still owed a lot of money.

When Priya’s family saw this, they got worried. They felt Rahul might not be able to handle money well in married life, which could cause stress and problems. So, they called off the wedding.

This real-life case shows how money habits and credit scores are now a big deal in marriage decisions, especially in arranged marriages.

Read More - How To Know Your Credit Score
 

Why Is a Good CIBIL Score Important?

Here’s what a good score can help you with:

• Faster loan approvals – Banks say "yes" more quickly
• Lower interest rates – You pay less extra money on loans
• Higher credit card limits – You can spend more when needed
• Better deals – You can bargain for better loan terms
• Trust from others – Even employers, landlords, and insurers may check your score
  
  

How a Good CIBIL Score Helps You?

A good CIBIL score not only helps you get loans easily, but it can also affect your personal life, just like Rahul’s story shows. So, always pay bills on time, borrow wisely, and keep your credit usage low.

Why You Should Check Your CIBIL Score Regularly?

Let’s see how Riya’s CIBIL Score Changed Her Life

When Riya, a 29-year-old from Coimbatore, applied for a two-wheeler loan in 2024, she was surprised to get an instant approval with a low interest rate. Why? Her CIBIL score was 765.

Just a year earlier, Riya had no idea what a CIBIL score was. But after taking her first credit card in March 2023, she started checking her credit score regularly. She paid her bills on time, kept her credit use low, and over 12 months, her score jumped from 640 to 765.

Riya is part of a bigger trend, a 51% rise in Indians checking their credit scores in 2024, reaching 119 million people. 

According to a TransUnion CIBIL report:

• 77% of these are young people (Gen Z and millennials).
  
  
• 81% in non-metro cities like Coimbatore, Ranchi, and Bhopal started monitoring their scores within 6 months of their first credit.
  
  
• Women, especially from non-metros (72%), saw a 70% jump in credit awareness.
  
  

Why Checking Your CIBIL Score is Important?

How To Check Your CIBIL Score?

Here’s how you can check your CIBIL score in simple steps:

1. Visit the CIBIL Website
   Go to www.cibil.com or download the CIBIL app for easy access.
   
   
2. Register or Log In
   If you’re new, click “New User” and register with your name, email, mobile number, and PAN (PAN is required).
   If you already have an account, click on ‘Existing User.’
   
   
3. Fill Out the Form
   Enter your details like name, date of birth, gender, address, email, and PAN number. PAN is needed to identify your credit profile in India.
   
   
4. Verify Your Identity
   You’ll get an OTP (One-Time Password) on your phone or email. Enter it to verify your identity.
   
   
5. View Your CIBIL Score and Report
   After verification, you can see your CIBIL score and credit report. The report shows your loans, credit cards, repayment history, and any missed payments.
   
   
6. Download or Save Your Report
   Download your report or save it as a PDF for future reference. You can also print it if needed.
   
   

How To Check Your CIBIL Score By Using The PAN Card Number?

Here's a simple version of the steps to check your CIBIL score using your PAN card:

1. Visit the official CIBIL website.
2. Click the option ‘Get Free CIBIL Score & Report’.
3. On the next page, PAN card as your ID Type.
4. Enter your PAN card number and other personal details (such as name, birth date, email, and mobile number).
5. Fill up the CAPTCHA and accept the terms.
6. Submit the form and confirm your identity via an OTP that is sent to your phone or email.
7. After it is authenticated, your CIBIL score is displayed on the screen.

Alternative Ways to Check Your CIBIL Score:

How To Maintain A Good CIBIL Score?

Let’s say, Shivam, a 32-year-old school teacher in Delhi, wanted to buy a second-hand car. He found the perfect one for ₹4.5 lakhs and went to the bank to apply for a loan.

The bank checked his CIBIL score, a number between 300 and 900 that shows how well someone handles loans and credit cards. Ramesh’s score was 590, and the bank rejected his loan application.
 

Now, take Meena, his colleague. She also applied for a loan, with a score of 785. Her loan got approved within a day, with a lower interest rate.

Also Read – How to Fix Errors in Your CIBIL Report
 

How to Maintain a Good CIBIL Score?

Conclusion:

Your CIBIL score is very important. It helps you get loans, lower interest rates, and even affects things like renting a house or getting married. Just like Riya and Meena, if you pay your bills on time and don’t use too much credit, your score can go up. So, check your score often and take small steps to keep it good. It makes a big difference.

FAQs:

What is a good CIBIL score to get a loan easily?
A score of 720 or above is considered good for easy loan approvals.

How often should I check my CIBIL score?
It's good to check your score at least once every 3 to 6 months.

Does missing one credit card payment affect my CIBIL score?
Yes, even one missed payment can lower your score and hurt your credit history.

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LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?