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A credit score is a 3-digit number that is a summary of an individual’s creditworthiness. The score ranges from 300 and 900 and is calculated using the credit track-record of past loans and credit cards used by an individual. A credit score above 750 is considered to be good by banks and other lenders while providing new loans and credit cards. Applicants can check their credit score and basic credit health check for free on the CreditMantri website.

A credit score is calculated and assigned by credit bureaus, including CIBIL™, also known as Credit Information Bureau (India) Limited. Any individual who has sourced any kind of loan or credit card will be given a CIBIL™ score. Let’s have a look at how you can get a free CIBIL™ credit score online.

Steps to Check Your CIBIL™ Score Online:

If you want to check your CIBIL™ score online, you can follow the below mentioned easy steps:

  • Visit the official CIBIL™ website 
  • Click on 'Get your CIBIL Score’
  • Next select "Click here" to get your free CIBIL™ Score
  • Key in your name, email ID, and password. Upload an ID proof (passport number, PAN card, Aadhaar or Voter ID). Next, enter your PIN code, date of birth, and also your phone number
  • Select 'Accept and continue'
  • You will get an OTP on your registered mobile number. Type in the OTP and select 'Continue'
  • Select 'Go to dashboard' and check your credit score
  • Once you are redirected to another page, click on 'Member Login' 
  • You can then see your CIBIL™ score after logging in

How to achieve a good CIBIL™ score?

A CIBIL™ score above 750 is considered ideal. It is important to have a high CIBIL™ score since it is useful while applying for a loan or a credit card. Keeping a regular check on your CIBIL ™ score can help you increase the chances of easily getting a loan approved from any lender. A healthy CIBIL™ score is extremely crucial for any kind of credit facility. Here are some ways in which you can achieve a good CIBIL™ score:

  • Practise Financial Discipline: Credit card bill payments and loan repayments have a significant impact on your CIBIL™ score. Hence, paying all your dues on time must be considered as top-priority while trying to achieve a good credit score.
  • Low Credit Utilisation Ratio: Ensure to maintain your credit utilization ratio below 30% for achieving a good CIBIL™ score. It is advisable to get a credit card with a higher credit limit, especially if you are struggling to keep your expenses within the existing limit of the credit card.
  • Healthy Credit Mix: It is ideal to have a good combination of secured and unsecured loans to achieve a high CIBIL™ score. A credit card is an unsecured debt and a car loan is a secured debt. Having both these kinds of credit in your kitty can ensure a higher credit score.
  • Regularly Check CIBIL™ Score: It is safer to check your CIBIL™ score regularly since it will give you a fair idea about your credit status. You can easily monitor your CIBIL™ score making an application for a subscription-based credit score. Regularly checking your credit report and credit score can help in identifying any errors or false records present in your credit account.
  • Restrict your Credit Usage: Maintaining a good discipline on credit card usage is very important while aiming for a good credit score. Make sure you do not exhaust your entire credit limit every month. A higher credit usage will indicate that you always credit hungry and this can hurt your credit score.
  • Request for a Higher Credit Limit: A credit limit is the maximum amount you are allowed to borrow through a credit card. Increasing your credit limit will allow you to maintain a low credit utilisation ratio and result in a higher credit score.


You can know your CIBIL™ score for free on a trusted website like Credit Mantri. You can also do a basic credit health check up on this site and ensure that you take all the necessary steps to improve the same before applying for fresh credit.


1. Can I get my CIBIL™ score for free?

Yes, you can check your CIBIL™ score for free online. However, note that CIBIL™ offers a free credit score only once a year. If you want to check your credit score more frequently you have to pay a fee. Alternatively, you can check your credit score any number of times on a trusted site like CreditMantri. We provide your latest credit score within a few minutes.

2. How can I get my CIBIL™ score free online?

You can easily get your free CIBIL™ score online by visiting the CIBIL™ official website.

3. How can I get a free CIBIL™ report online?

CIBIL™ offers 1 free credit report online every year. You can check the same on the official website of CIBIL™.

4. Can I purchase a CIBIL™ score?

If you wish to check your CIBIL™ score periodically, you will have to purchase it online from the official CIBIL™ website. The credit agency offers 1 free credit score and reports every year, post which, you will have to make payment for every additional credit check.

5. Why is the CIBIL™ score important for customers?

CIBIL™ score is important for customers who are looking to apply for credit such as loans and credit cards. Every lender verifies an applicant’s credit score before granting any form of credit. A higher score is considered good and a lower score is an indicator of poor credit history.

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