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6 Ways to Check Your Credit Score for Free

The credit score is a three-digit numeral ranging between 300 and 900, which signifies your credit behaviour. Having a credit score close to 900 is treated as perfect, and you can opt for a loan facility anytime.

So, if your score is near 300, it will be treated as bad, and your chances of getting a loan will also reduce. Thus, it is necessary to check credit scores from time to time.

Keep reading to learn about the various options to get your free Credit score in India.

6 Effective Methods to Check Credit Score

Following are some popular ways to check your credit score for free in India.

Paytm App

A popular free CIBIL score-checking option in India is the Paytm App. It helps you to verify your credit score as well as your credit history per month. After signing up for this app, you just have to locate the ‘Free Credit Score’ option, in which you have to click on ‘Featured’ and then on ‘Loan and Insurance’. 

While using this app, you can neither download your credit report nor take its screenshot. Thus, no other individual can see your credit report.

Paisa Bazaar

Paisa Bazaar is among the best options for checking credit scores for free in India. First, you have to enter your credentials to log in. After this, you have to visit the ‘Get Your Credit Score’ to see the score. Paisa Bazaar has a tie-up with the four credit bureaus CIBIL, Experian, Equifax, and CRIF Highmark. 

It enables you to download your credit report in a PDF format, which you can keep for future reference. Moreover, this app can be operated in other languages like Hindi, Marathi, Tamil, and Kannada.

Website of Experian 

Experian is another credit bureau among the four credit bureaus in India. The official website of Experian also helps you to check your free credit score. But, at the time of verifying your credit score with this tool, keep your PAN card handy.

All you just have to do is open this app and insert your name, PAN details, date of birth, mobile number, address, and e-mail ID to see your credit score. Also, you can add your FICO score for free using this app. Apart from this, with the Experian credit report, you may check your credit with regular notifications in case of key changes.

Websites of CIBIL

The Credit Information Bureau (India) Ltd provides the CIBIL score which has been authorised by the Reserve Bank of India. Credit reports and CIBIL scores are offered to individuals alongside financial institutions and Non-Banking Financial Companies (NBFCs). 

You can also check your credit scores directly on the websites of the credit bureaus. Since CIBIL is the most popular of the CIBIL credit bureau, let’s take a look at the steps by which you can check your free CIBIL score on the CIBIL portal.

Step 1: Navigate to the official website of CIBIL

Step 2: Choose the option ‘Get your CIBIL Score’

Step 3: Enter your name, e-mail ID, and password

Step 4: Attach your ID proof like a PAN card, Aadhaar, or passport

Step 5: After this, insert your PIN code, date of birth, and mobile number

Step 6: Select ‘Accept and continue’

Step 7: On doing so, you will get an OTP on your registered mobile number. Enter this OTP and click on ‘Continue’

Step 8: Click on the option ‘Go to dashboard’ 

Step 9: After this, you will enter the website,

Step 10: Select the option ‘Member Login’, and your CIBIL score will be displayed


Another way to check the free credit score is via the Bajaj MARKETS website. It enables you to track your free credit score by following a step-by-step procedure. All you need to do is visit the official website and go to the credit score section.

Step 1: Navigate to the official website of Bajaj MARKETS and go to the ‘credit score’ section at the top of the page.

Step 2: Input your personal details, like name, PAN, employment type, mobile number, date of birth, etc.

Step 3: Read the terms and conditions, and click on ‘I agree’

Step 4: Select the ‘Proceed with OTP’ option.

Step 5: Insert the OTP sent to your registered phone number

After the details are verified, you will be able to see your credit score for free and even get a free credit report.

Via Equifax Website 

Equifax is another credit bureau among the four credit bureaus that helps you check your credit score for free in India. You can easily get free Equifax credit reports at

In order to check the credit score, form my Equifax account and select “Get my free credit score” in order to enroll in Equifax Core Credit. Furthermore, you can get a monthly Equifax credit report for free on the basis of Equifax data.

Ways to Improve CIBIL Score

If you are wondering how to increase CIBIL score, consider the pointers mentioned below:

  • Repay loans on time 
  • Limit credit utilisation
  • Set reminders for timely repayment
  • Choose a longer tenure for loan repayment
  • Avoid taking multiple loans

Now you know how to get your free CIBIL score. So, if you are eager to verify your credit score, go through the above ways of checking it and select the one that suits you the best.

Also, make sure that you keep track of your CIBIL score and improve it for faster loan approval with attractive benefits.

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