Checking your CIBIL Score is a simple process that gives you instant insight into your financial health and creditworthiness. You can check your CIBIL Score online with a few simple steps. Banks and lenders use your CIBIL Score to approve your loan or credit card application, and at what interest rate.
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The CIBIL Score is a three-digit numeric summary of your credit history, acting as your financial report card for lenders. It ranges from 300 to 900 and is calculated by Credit Information Bureau (India) Limited (CIBIL).
The primary function is to indicate to banks and lenders how creditworthy you are and your likelihood of timely debt repayment. A score of 750 and above is generally considered excellent, which improves your chances of loan approval, securing higher loan amounts, and obtaining the most favorable interest rates.
Check your CIBIL Score Through the Official Website
To check your CIBIL score for free on the official CIBIL website, you should follow these steps:
Go to the official CIBIL Score website
Create or log in to your exciting account.
Fill out the form with your basic information, like name, DOB, email ID, etc.
After the verification process, you will get your credit score report at your registered email ID.
Check Your CIBIL Score Through UMANG App
These are the steps to check your CIBIL Score using the UMANG App:
Download the UMANG App
Android: Open Google Play Store - Search “UMANG” - Install the official app.
iPhone: Open the App Store - Search “UMANG India” - Install the app.
Open the App & Log In
Sign in using your mobile number and OTP. If you're a new user, complete a quick registration.
Search for CIBIL Services
In the app, use the search bar and type “CIBIL” or “Credit Score”.
Verify Your Details
Enter basic personal details like name, date of birth, and PAN to authenticate your identity.
View Your Credit Score
After verification, your CIBIL Score and Credit Report will be displayed on screen.
Factors that Affect Your CIBIL Score
Some of the factors that might influence your CIBIL score. Keep these points in mind to avoid any loss in credit score:
Payment History
Your repayment behaviour has the biggest impact on your CIBIL Score. Consistently paying EMIs and credit card bills on time helps maintain a high score, whereas late or missed payments can lower it.
Credit Utilization Ratio
This refers to how much of your available credit you are using. High usage signals financial stress to lenders. Keeping your credit utilization low helps maintain a healthier score.
Age of Credit / Credit History Length
The longer you’ve managed credit responsibly, the better. A longer credit history reflects stability and reliability, improving your credit profile over time.
Credit Enquiries
When you apply for a loan or credit card, lenders check your credit report. Frequent credit applications within a short period can lower your score, as it may indicate a higher credit dependency.
Advantages of Having a High CIBIL Score
Below are some of the benefits of having a good credit score. Make sure you maintain them to get the benefits:
Easier Loan Approvals:
A high CIBIL Score increases your chances of getting loans approved quickly, as it shows lenders that you are a responsible borrower.
Lower Interest Rates:
With a strong credit score, lenders see you as low-risk. This can help you secure loans at lower interest rates, reducing your overall repayment burden and freeing up more money for savings or investments.
Better Credit Card Offers & Higher Credit Limits:
Banks are more likely to offer premium credit cards, higher credit limits, cashback benefits, and reward-based cards to individuals with good credit scores.
Stronger Investment Capability:
When borrowing becomes cheaper, you retain more disposable income. This surplus can be redirected into wealth-building investments like mutual funds, SIPs, or PPF, helping you grow your financial portfolio.
Easy Access to Credit Card Against FD
While a high CIBIL Score is ideal, if you are new to credit or have a low score, you can still start building your CIBIL Score through a credit card against FD offered by different banks, such as SBI credit card against FD.
You get a credit limit backed by your FD
On-time bill payments help gradually improve your CIBIL Score
After your score improves, you become eligible for unsecured credit cards and better loan terms
Helps Maintain Financial Reputation:
A consistently high CIBIL Score reflects good credit discipline, making banks more willing to offer you financial products that match your lifestyle and financial goals.
Why is the CIBIL Score Important?
Loan & Credit Card Approval
A higher score increases approval chances, while a low score can lead to rejection. Banks and lenders check your CIBIL Score before approving:
Personal Loans
Home Loans
Auto Loans
Credit Cards
Lower Interest Rates
Lower interest rates reduce your overall cost of borrowing. If your score is high, lenders see you as low-risk, so they may offer:
Lower interest rates
Better EMI terms
Higher loan amounts
Faster Loan Processing
A good score speeds up loan approval, because lenders require less verification and feel more confident in your repayment capability.
Higher Credit Limits
Banks offer higher credit card limits and enhancements to users with strong credit profiles, giving more financial flexibility.
Access to Better Credit Card Features
With a high score, you may qualify for:
Premium cards
Travel rewards cards
Cashback & benefits
Low-annual-fee cards
Helpful for Long-Term Financial Goals
A strong credit score helps when planning major financial milestones. A good score ensures smoother approvals of loans, credit cards, etc. at a lower interest rate and in less time.
Buying a house
Purchasing a vehicle
Starting a business
Funding education
Builds Financial Reputation
Your CIBIL Score is a reflection of your financial discipline. Maintaining a good score builds trust with lenders, which can be helpful even when negotiating loan terms.
Wrapping Up
Maintaining a good CIBIL Score is key to a strong financial profile. It helps you secure loans and credit cards more easily, often at better interest rates and terms. By paying bills on time and keeping credit usage low, you can steadily improve your score. Regularly knowing how to check CIBIL Score helps you stay aware of your credit health and make confident financial decisions.
FAQs
Q. What should be the ideal CIBIL Score that needs to be maintained?
The ideal CIBIL Score ranges from a minimum of 650 or higher; some banks or lenders require 750 or above, it depends.
Q. Is a 750 CIBIL Score considered to be the best score?
Yes, a 750 CIBIL score is considered to be one of the best credit scores one should have.
Q. How to check CIBIL Score or credit score online?
You can check your CIBIL score through the official website or through the government’s portal UMANG application.
Q. Can we check the CIBIL Score through Policybazaar’s website?
No, you cannot check your CIBIL score through the Policybazaar website.
Q. What are the benefits of having a good CIBIL/credit Score?
There are many benefits of maintaining your good CIBIL Score, like:
You can get easy Access to a credit card against your FD
Banks can offer you a better credit card with higher credit limits
Instant or easier loan approvals with lower interest rates.
Maintaining your credit score profile will help maintain your financial reputation.
Q. How to maintain a CIBIL Score of 900 or higher?
The best ways to maintain your credit history are by practicing these criteria:
Pay EMIs and Credit Card Bills on Time: Timely payment is the most important factor.
Keep Credit Utilization Ratio Low: Try to use less than 30% of your total credit limit.
Maintain a Balanced Credit Mix: Having a mix of secured loans and unsecured credit reflects responsible borrowing behavior.
Avoid Multiple Loan or Credit Card Applications: Frequent credit applications lead to multiple hard inquiries, which can lower your score.
Review Your Credit Report Regularly: Check your credit report periodically to ensure there are no errors, incorrect entries, or fraud.
Build and Maintain a Long Credit History: Keep your older credit card accounts active.
Q. How to increase your CIBIL score from a minimum of 600 to 750 or higher in 30 days or less?
By following these steps or pointers, you can maintain your credit score from 600 to 750 or above in 30 days:
Always Pay on Time
Use Credit Wisely
Keep a Mix of Credit Types
Avoid Applying for Too Much Credit
Hold On to Your Old Accounts
Review Your Credit Report Regularly
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
Past 10 Years' annualised returns as on 01-11-2025
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).
Generate wealth Earn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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