You can check your credit score for free through several official and authorized platforms in India. Here’s how you can do it easily: What is a Credit Score? A credit score is a 3-digit number (typically between 300 and 900) that reflects your creditworthiness — how likely you are to repay loans and credit card bills on time. A higher score (closer to 900) means better credit health. How to Check Credit Score for Free in India: 1. Credit Bureaus (Official Sources) By RBI rules, every individual in India is entitled to one free credit report per year from each credit bureau. The major credit bureaus in India are: CIBIL (TransUnion CIBIL): Website: [https://www.cibil.com](https://www.cibil.com) Process: Visit the website and click on "Get Your Free CIBIL Score" Fill in your personal details (PAN, name, DOB, etc.) Verify your identity via OTP or email Get your credit score and report Experian India: Website: [https://www.experian.in](https://www.experian.in) Click on "Free Credit Report" Provide your details Authenticate via OTP Download your report Equifax India: Website: [https://www.equifax.co.in](https://www.equifax.co.in) Request your free credit report under “Consumer Services” May require sending a request form and ID proof via email CRIF High Mark: Website: [https://www.crifhighmark.com](https://www.crifhighmark.com) Choose “Free Credit Score” Register with PAN and mobile View your score after verification 2. Third-Party Financial Platforms (Instant & Free) These websites/apps let you check your credit score for free and instantly: Paisabazaar: [https://www.paisabazaar.com](https://www.paisabazaar.com) BankBazaar: [https://www.bankbazaar.com](https://www.bankbazaar.com) Paytm and PhonePe: Offer credit score checking in their financial services section Navi, LazyPay, and similar apps also provide this service > Note: These platforms are safe to use but may use your data for promotional offers. Always read their privacy policy. What Do You Need to Check Your Credit Score? PAN card (Most important, as your credit score is linked to it) Mobile number (for OTP verification) Date of birth and basic KYC details Is Checking My Credit Score Free and Safe? Yes. When done through official bureaus or trusted platforms, it is both free and secure. Also, checking your own credit score is called a soft inquiry, and it does not reduce your score. Tip: Try to check your score with each bureau once a year to track discrepancies. Your score might slightly differ between bureaus because lenders may report data differently.

Dear Client, You are entitled to access your credit score without any cost to you once a year from each of the four organizations that have been licensed by the Reserve Bank of India (RBI) – CIBIL, Experian, Equifax, and CRIF High Mark. To obtain this information, simply visit their respective websites, register for an account using your PAN card, birth date, and personal contact information and undergo the identity verification process. In addition to the mandated process, banks and financial apps like Paytm, BankBazaar or PaisaBazaar allow you free access to check your credit score. Be sure to only use official sites or those approved by the RBI so that your personal details are secure. I hope this answer helps. For any further queries, please do not hesitate to contact us. Thank you.