FREE CIBIL Score
Your CIBIL score is a three-digit number from TransUnion CIBIL that sums up how you have handled credit. Credit scores in India run from 300 to 900. Most lenders look for 750 or more for the best offers.
Check your score with Fund Finserv
- Free, with no hidden charges
- Won’t lower your score
- Takes about two minutes
- See what helps and hurts your score
Key points
What you should know
- 01
Free, and safe to check
Checking your own score is a soft enquiry. It never lowers your score, however often you check.
- 02
One free report a year
RBI rules entitle you to one free full credit report, with your score, every year from each credit bureau.
- 03
Check it before you apply
Knowing your score first helps you pick lenders that are likely to approve you, and avoid needless rejections.
About TransUnion CIBIL
Loans assessed with TransUnion CIBIL reports
CIBIL Score: 300–900TransUnion CIBIL started in 2000 as Credit Information Bureau (India) Limited and is the bureau most Indian banks check first. Your CIBIL Score is a three-digit number from 300 to 900 that sums up how you have handled loans and credit cards.
Most banks and housing finance companies look for a CIBIL Score of 750 or more before offering their best rates on large, long-tenure loans such as home loans and loans against property.
Which bureau a lender checks is the lender's choice. Many check more than one.
- Home Loan
Banks and housing finance companies almost always pull a CIBIL report for home loans; 750+ unlocks the lowest rates.
Apply - Personal Loan
Unsecured, so the CIBIL Score carries the most weight. Most banks want 700 to 750 or more.
Apply - Loan Against Property
Large secured loans where lenders check CIBIL for repayment history across all your accounts.
Apply - Car Loan
Dealer-tied bank and NBFC finance is usually approved on a CIBIL check within a day.
Apply - Mortgage Loan
Lenders look at the age of your credit and any settled or written-off accounts on your CIBIL report.
Apply