Should CIBIL scores be made free to Indians?

Are you looking to check credit score online in India to apply some home loan or credit card? But not accepting the fact that you have to pay to know your cibil score. Yes, I am also on the same perception and just thinking Should CIBIL scores/Credit score be made free to Indians? Let’s discuss more on this topic below.

free cibil score check online india

What is the CIBIL score or Credit Score

The CIBIL score is a 3 digit number which denotes how credit healthy you are. Every credit bureau in India has its own version of the credit reports. Each of these reports has similar information. However, the format and presentation of the credit reports may be different for each of these bureaus.

This means that the credit score could also vary from bureau to bureau. All credit report scores in India vary from 300-900. The higher the score of an individual, the higher his credit worthiness.

As per your credit score, you can change or take actions in your financial planning or financial habit to improve your credit score.

How much does a credit score cost ?

The cost of the report varies from one bureau to another: CIBIL (Rs. 500), Equifax (Rs. 400), Experian (Rs. 399) and Highmark (Rs. 299).

Should the CIBIL score or Credit score be Free ?

In the USA, every individual can get one free credit report from every credit bureau once every year. This is not the case in India. A recent committee appointed by the Reserve Bank of India did come close to making a similar recommendation but this did not finally materialize.

But I think this should be free as people will automatically come to know about their finance habit and they can work better to make life easy. Mostly we use to check cibil score just whenever it is required to apply a home loan or personal loan or credit card.

How can I get my credit report and score for free in India ?

It is now possible to get your credit and score for free by visiting The report and score provided is from Equifax.

The company offsets the cost of the reports by targeted advertising to its customers. The process is really simple. All you need to do is login, fill in your unique identifiers and wait to view your report. You also get access to customized offers which can help you to save money over a period of time.

Keep a track for further updates on credit score and how to guides etc on this website. We will check this free cibil score check website and come up with more useful articles in coming days. Please share this article with your friends if you find it useful.

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  1. Hi, great article.
    Unfortunately I am also a victim of low cibil score and was looking measures to improve it. Will try the above actions. Thanks

  2. Hi, great article. I read recently that cibil identity theft has become common these days. This scares me a lot, is there a was to avoid them?

  3. Hi, very informative article. I am also suffering from bad cibil score and after reading your blog I got clear idea of what impacts it. Thanks

  4. Hi, nice article. I actually am dealing with a mid life crisis now, wanted a personal loan but my cibil doesn’t allows me so. Please suggest a way.

  5. Hi,
    I was also of the same opinion that in India we should get a free credit report from the bureau and decided to surf on google and found one website which offered me a free credit report with score and detailed analysis. I also enquired in banks with regards to free credit report and they said that they can give one but it wont have a score. But the website which I applied offered me the score as well as the detailed report.

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