How to Check your CIBIL™ Score Online and ways to improve it?

How to Check your CIBIL™ Score Online and 8 ways to improve it?

CIBIL™score is one of the widely used scores used by banks and financial institutions to assess an applicant’s creditworthiness. The CIBIL™ score is a three-digit number ranging between 300-900. A higher score is an indication of the good financial health of the applicant. Applicants with higher CIBIL™ scores are more likely to have an easy credit approval process.

How to Check your CIBIL™ score?

Checking your CIBIL™ score is a simple and easy process and can be completed within a few minutes. Your first score is always free and then you can subscribe to their unlimited plans for specific durations. Let us understand the step-by-step process to check the CIBIL™ score.

  1. Log in to the official CIBIL™ website.
  2. The screen will be something like below –

Banks Check Your CIBIL Score
Before Approving Your Loan*


Already have a CIBIL account? Log In

Don’t worry. Checking your own Credit score won’t lower it.

  2. The screen would look something like below –


  1. In the ID Type field, click on the dropdown and choose from the following –
    1. Income tax ID number (PAN)
    2. Passport Number
    3. Voter ID number
    4. Driver’s License Number
    5. Ration Card Number
  2. Fill up all the other fields as required.
  3. Click on “ACCEPT & CONTINUE”
  4. You will receive an OTP on your registered mobile number from CIBIL™
  5. Enter the OTP on the screen to proceed further.
  6.  Click on “Continue”.
  7.  It will give you a message – “You have successfully enrolled”
  8.  Click on “GO TO DASHBOARD”.
  9.  The page will be redirected to the website –
  10.  Click on “Member Login” and you should be able to see your first FREE credit report and credit score.

How Can I check my CIBIL™ score multiple times?

You can check your CIBIL™ credit score multiple times by subscribing to their paid packages. The CIBIL™ paid packages are as below –

Unlimited access to the credit report
First report 1 month 6 months 12 months
CIBIL™ Free Rs. 550 Rs. 800 Rs. 1200


How to Subscribe to CIBIL™ Credit Reports and Scores?

You can subscribe to the paid subscription packages by following the steps below –

  1. Log in to the official website of CIBIL™.
  2. Click on “SUBSCRIBE NOW”. You will see this button on the top right side of the homepage.
  3. This will take you to a page that shows various options for subscription.
  4. The options available are –
    1. Basic 1 Month package for Rs. 550
    2. Standard 6 Months package for Rs. 800
    3. Premium 12 Months package for Rs. 1,200
  5. Select the package you like and click on “GET STARTED”.
  6. Fill up the online form and details like email address, password, First name, Last name, ID Type (Income Tax Number (PAN)/Passport Number/Voter ID Number/Driver’s License Number/Ration Card Number), ID Number, Birth date, Pin code, and Mobile Number.
  7. Click on “ACCEPT & CONTINUE”
  8. Now, choose the mode of payment from a wide range of options like net banking, credit cards, prepaid cards, etc.
  9. A payment of Rs. 550 will be done towards CIBIL™.
  10. After the payment is done, you will be redirected to the authentication page.
  11. You will be asked to answer 3 questions out of a total of 5 questions. The questions are related to your credit history. This is to authenticate your identity with CIBIL™.
  12. Your report should be sent to your email ID within 24 hours.
  13. If authentication fails, you can send a hard copy of the form to CIBIL™ by post. You will then receive your report in an email.

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How can you Improve your CIBIL™ Score?

While it sounds like a daunting task to maintain a high CIBIL™ score, it is not. By taking care of certain things and maintaining your financial discipline, you can easily maintain a good CIBIL™ score.

1. Pay your dues/EMIs on time

This is probably the most important factor in deciding your CIBIL™ score. Your history speaks a lot about your financial discipline. If you have always paid your dues on time, you will be given a higher CIBIL™ score because it shows your ability to pay your debts.

2. Low credit utilization ratio –

Keep your credit utilization ratio low. It is ideal to keep it under 30%. It shows that you do not have too many financial responsibilities and hence will be able to pay your future debts on time.

3. Do not request too many loans

This parameter again shows that you aren’t always looking for ways to fund your expenses. Too many applications can affect your CIBIL™ score negatively as it shows that you have too many financial responsibilities to fulfill.

4. Keep a good mix of debt

You should always keep a good mix of secured and unsecured loans. If there are too many unsecured loans on your report, it might come across as no assets but a lot of loans. So, try and balance between the two.

5. Check your CIBIL™ score and resolve any disputes

Sometimes, there could be an error on your CIBIL™ report because of which your CIBIL™ score could be low. You must review your report and raise disputes if any.

6. Keep good debts on your account

It is a good practice to keep the debts that you paid off diligently on your accounts. It serves as a good reference point for future lenders. They will be more comfortable knowing that you paid your debt regularly in the past.

7. Ask for an increase in credit limit

This can help as your credit utilization ratio goes down when your credit limit goes up. You can show the bank an increase in salary or income levels, full payment of long-standing debts, etc., and request for an increase in credit limit.

8. Loans like home loans and education loans

Certain loans like home loans and education loans are considered to be good loans as they are considered good credit. Personal loans and credit cards are only for spending while education and home loans are for learning and building assets.

Let us take a look at what factors form a major part of the credit score.

Payment history

Carrying a weightage of 35%, is the highest deciding factor while calculating a credit score. Timely payment of loans ensures a higher credit score.

Amount owed

How much credit is available to you is an important factor and carries 30% weightage.

Length of credit

Since how long have your credit accounts been opened

Type of credit

Do you have a good mix of secured and unsecured loans? A good mix is great for your credit score.

New credit accumulation

How many times have you inquired about a loan in the past year? Fewer inquiries work better for your credit score.

CIBIL™ Score Range

The below table is a simple representation of what CIBIL™ score levels mean –


Checking your CIBIL™ score is an easy and simple process. Checking your CIBIL™ score regularly can improve your score and eventually, your creditworthiness. There are various ways to improve your CIBIL™ score like paying your bills on time, maintaining a low credit utilization ratio, keeping a good mix of debt, resolving any disputes, etc.

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