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Check your credit score — free

Your CIBIL score decides your loan approval and your interest rate. Know exactly where you stand, understand what's affecting it, and get a clear plan to improve it.

Check your credit score — free

A soft check that won't affect your score. Share your details and your Loan Bandhu pulls your full official credit report and calls you with your score and a plan to improve it.

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Thanks — your details are with us. Your Loan Bandhu will pull your full official credit report and call you shortly with your score and a personalised plan to improve it. For anything urgent, call 95190 66658.

Securely checking your score…

  • Verifying your PAN details
  • Connecting to the credit bureau
  • Calculating your score
Your indicative score
300
out of 900
—

Indicative loan eligibility—
Likely interest rate (ROI)—
Approval chance—
Apply at this rate Talk to a Loan Bandhu

This is an indicative estimate to help you plan, not your official bureau report. Your Loan Bandhu pulls your full, official CIBIL report and calls you with a personalised plan — for anything urgent, call 95190 66658.

Know the drivers

What affects your credit score

Repayment history

Paying EMIs & bills on time

~35%
Credit utilisation

How much limit you use

~30%
Credit age & mix

Length & variety of credit

~25%
New enquiries

Too many applications hurt

~10%
Read: 3 ways to fix your CIBIL score
Healthy habits

Best practices to maintain your CIBIL score

A good score is built on simple, consistent habits. Follow these and your score stays loan-ready.

  • Pay every EMI & bill on time — set auto-debit or reminders. Even one late payment hurts.
  • Keep credit utilisation under 30% of your total card limit at all times.
  • Don't close old credit cards — a longer credit history and higher limit help your score.
  • Maintain a healthy mix of secured and unsecured loans, repaid responsibly.
  • Avoid multiple loan applications in a short span — each triggers a hard enquiry.
  • Check your report regularly and dispute any errors or wrongly-tagged defaults.
  • Clear dues fully, not just the minimum — carrying balances builds costly interest.
  • Be a guarantor carefully — someone else's default can affect your score too.
A score of 750+ typically unlocks the best interest rates. Your Loan Bandhu helps you get there — and finds you a lender even while you improve.