cibil score

Cost to Check Your CIBIL Score

Your credit score represents your financial management skills. By examining your report, you may assess where you are and what areas you need to work on. Your credit score or report summarises your recent and past credit activity. Monitoring your report may also assist you in identifying and correcting irregularities that led to your lower score. A CIBIL score of 750 or more is consider acceptable by the majority of financial institutions and lending platforms. A solid credit score and history are required to qualify for favourable loan conditions. Lenders, on the other hand, may find it difficult to assess your trustworthiness if you do not have a CIBIL score or credit history.

Various CIBIL Score Checking Packages

In India, you may check your CIBIL score for free by going to the official CIBIL partner websites or the main CIBIL website. TransUnion CIBIL costs INR 550 for a basic credit report and INR 800 for a standard credit report for two credit reports per year. You must pay an extra cost if you wish to verify your CIBIL Score more than twice in the same year. There are several subscription choices available on the official CIBIL website. The subscription bundles are as follows:

Basic Pack

The Basic Pack costs INR 550 per month. With this set, you will have complete access to your CIBIL dashboard and Score Simulator. CIBIL will personalise loan offers for you using this package.

Standard Pack

The regular bundle costs INR 800 and is good for six months. Credit monitoring and CIBIL alerts are include for a full year, 24 hours a day, seven days a week. The benefits state above are in addition to the features of the Basic Pack.

Premium Package

This is the most costly bundle on their website, price at INR 1200. This bundle is good for one year. The advantages of this pack are the same as those of the basic pack. The primary difference is that the advantages that come along with this would last for a year.


A low CIBIL Score might result in your loan application being refuse outright, having to wait longer than normal, giving more documentation, and paying a higher interest rate. Whether you realise it or not, a low CIBIL Score affects you in a variety of ways. Your CIBIL score may be low owing to poor repayment practices or an unnotice credit report inaccuracy. As a result, you should utilise a CIBIL score login on a frequent basis to guarantee that your credit report is error-free. Furthermore, if your CIBIL score is poor, you may discover how to improve it to prevent loan rejections. It is also conceivable that your CIBIL score will appear on your credit record as “Zero.” You may still apply for and obtain loans or credit cards from many banks or NBFCs with a zero CIBIL score. 

However, having a zero CIBIL score diminishes your chances of receiving the best offers when compare to having a respectable CIBIL score. When you haven’t apply for a loan or credit card in a long time, or when credit bureaus don’t have enough information about your credit history, this happens. Their lack of credit history will be noted on your credit report in this situation. It might take anything from six months to a year, depending on how carefully and regularly you utilise and manage your credit.

Banks always do a background check on the applicant before giving credit. A background check comprises looking into several facets of the application, including the applicant’s CIBIL score. Banks consider an applicant with a CIBIL score of 750 or better to be a low-risk candidate, and the odds of your loan or credit card application being granted are substantially higher than for an applicant with a low CIBIL score. Many banks will not consider you suitable for a loan or credit card if your credit score is less than 750.


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