Check your CIBIL score online for free

How to check your CIBIL score and download online

What is CIBIL Report? 

A CIBIL report describes a person’s credit history based on credit market actions. Credit bureaus such as TransUnion CIBIL analyze their customers’ credit histories and assign them CIBIL score ranging from 300 to 900 based on their performance. 

TransUnion CIBIL was founded in August 2000 and plays an important role in India’s financial sector. It generates timely reports to assist individuals in understanding their credit repayment behavior, approving loans and credit cards. 

In this blog, learn how to read a CIBIL report and check your CIBIL score online. 

How to check your CIBIL score? 

There are different ways to read your CIBIL Report. Follow these steps to make the process easy 

CIBIL score: 

The CIBIL score is the most important to read in the report. It is a three-digit number expression issued by a lender to reflect a person’s creditworthiness throughout the loan application process. The three digit range usually 300 to 900, but it sometimes shows NA or NH because of these following reasons: 

  • No credit history. 
  • No credit activity in the recent few years. 
  • No credit exposure, and all new credit cards 

A CIBIL score between 750 to 900 can be consider as good score. Banks and Financial Institution like Zap Money offers quick personal loan for people with good CIBIL score. 

Personal Information: 

This section contains your personal information such as name, age, and gender. It also includes your identity information, such as your PAN, Aadhar number, and passport number. 

Contact section: 

Contact section have information like phone number, office information and house address etc. 

Employment information: 

This section contains information about the employee income and occupation to apply for new credit. 

Account Section: 

The account portion contains the user’s details and is a crucial section for the lender to declare the CIBIL score. Based on the user’s previous and current status, the lender assigns the CIBIL score. This section includes a table with your lender’s name, kind of credit product, ownership type, account number, date of account opening, personal loan amount, date of last payment, outstanding balance, and a monthly payment history. 

The column includes DPD (Days Past Due), which shows the number of days a payment for an account is past due. The most attractive values in this column are STD (Standard) or 000 (zero), which indicate that the payment is not past due.  

Any other value indicates that the payment was late. XXX indicates that the credit bureau has not received any payment information for the account in the preceding few months. Similarly, a value of 030 indicates that the account payment is 30 days past its due date. 

Red Box:

A red box shows an issue in the account information, which appears above the account details. In the CIBIL report, you may notice a red box next to the field in question. It can be returned once the issue is resolved. 

Enquiry Information: 

The enquiry area contains information about any inquiries related to credit applications. For each inquiry, the lender checks your CIBIL score to learn about your credit history. Too many queries make the lender assume you are a risky borrower. 

How to Download CIBIL Report online? 

  • Go to the CIBIL website ( on your computer or mobile device. 
  • Find a button or link that reads “Get Your Credit Report” or “Order Your Credit Report” and click on it. 
  • CIBIL will ask you if you want to get just your credit score, your full credit report, or both. Choose the option you want. 
  • Next, you’ll need to enter some personal details like your name, date of birth, and identification proof (like your PAN card or Aadhaar card number). It’s a way to make sure that you are who you claim you are. 
  • After entering your details, you’ll need to make the payment for the report(s) you selected. CIBIL will give you options to pay using a credit/debit card, net banking, or other available methods. 
  • Once you’ve made the payment successfully, CIBIL will send you an email or SMS with a link to download your report. 
  • Click on the link provided in the email/SMS, and your CIBIL report will be available for you to download. Usually, it is in PDF form. 
  • Save the report on your computer, mobile device, or take a printout for future reference. 


How can I access CIBIL? 

Login into and registered by adding your details. Upon verification or payments your CIBIL score and report will be displayed on the screen. 

How can I check my CIBIL score without app

Login into official CIBIL website and create an account to check your CIBIL score

What CIBIL score is good?

A CIBIL score range from 700-750 can be consider as a good score. 

What is the required CIBIL score for obtaining a loan? 

CIBIL score between 720 – 750 is eligible to avail a quick personal loan from Zap Money. 

How do you fix mistakes on your CIBIL credit report? 

If a loan application is declined by a bank or financial institution, you can contact the CIBIL support team at to communicate and resolve the error. 

What documents are necessary for a CIBIL credit report? 

Along with personal details user needs ID proof like Aadhar Card, PAN card and Passport for verification process. 

  What if I submitted the wrong information by mistake? 

If your details are incorrect and match another individual, the report will be sent to that person at your expense. You can  rectify your incorrect details by contacting the CIBIL team to resolve the issue. 

Hariharan Ravichandran

Understanding the ever-changing environment of money may be a difficult experience.I'm Hariharan, a seasoned finance explorer and blogger. I am right there with you, beginning on this journey of financial enlightenment as a fellow traveler.


The ZapMoney app makes personal finance easy, accessible, and affordable. The App is available on Google Play Store and App Store for download, allowing you to sign up and access easy personal loans. ZapMoney is powered by Monexo Fintech Private Limited which is a registered NBFC-P2P.
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