About

A free CIBIL report is an estimate and is only available once per year, while a paid CIBIL report includes more detailed information and can be accessed more frequently:

Free CIBIL Report

A free CIBIL report is an estimate of your credit history and is only available once per year. It includes:

• Personalized loan and credit card offers
• The ability to raise disputes online

Paid CIBIL Report

A paid CIBIL report includes more detailed information, such as:

• The lender's name
• Account number
• Account type
• Ownership of the account
• Date of account opening and closing
• The final date when these details were reported to CIBIL

Cost

A one-time CIBIL report costs Rs. 550, while a standard subscription costs Rs. 800.

A good CIBIL score is 720 and above, while a score of 640 and below is considered poor. A good CIBIL score can lead to:

• Lower interest rates on loans
• Quicker approval on loan/credit cards
• Better negotiation power with your lenders
• Improved chances of higher limits on loans
• Easier to get higher limits on your credit card
• Increased opportunities to get pre-approved loans from banks