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.
Request your free credit score check
Free and no-obligation. Leave your name and number, and your Loan Bandhu will call you back to walk you through checking your official CIBIL score — and give you a clear plan to improve it. We never ask for your PAN, date of birth or any password on this form.
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What affects your credit score
Paying EMIs & bills on time
How much limit you use
Length & variety of credit
Too many applications hurt
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.