No online credit score calculator can work out your real CIBIL score. Only the four credit bureaus compute it, so a calculator or simulator can only show which way a change may move the number. The real score is free: RBI rules let you pull one full credit report with score from each bureau every calendar year, and checking your own score does not lower it.
| Item | Details |
|---|---|
| Score range | 300 to 900. RBI requires every bureau to calibrate scores on this scale. |
| Free check | one Free Full Credit Report, including the score, from each bureau once between January and December. |
| Bureaus | TransUnion CIBIL, Experian, Equifax and CRIF High Mark. A lender may pull any of them. |
| Paid checks | only needed for more than one check a year. CIBIL sells monthly and longer plans; the free annual report costs nothing. |
| Estimate a change first | the credit score simulator shows the likely direction of a new loan, a missed payment or lower card use. |
The score is what stands between the advertised rate and the rate you are actually quoted. It decides where in a lender’s range you land on a home loan or a personal loan, and whether a credit card application is approved at all.
Rankings and comparisons
All four RBI-licensed bureaus hold your data. Which one your lender pulls is its own choice — and Experian is the only one giving unlimited free reports.
Which credit checks are visible to lenders, which cost you points, and what to do about one you did not make.
How to
Each of India's four credit bureaus must give you one free full credit report with score every year. Pay on time and keep card balances low to raise it.
Filing a credit report dispute online, the 30-day resolution rule, and how to escalate to the RBI.
Every section of an Indian credit report decoded, plus the RBI rules that give you a free report and Rs 100 a day when a bureau is slow.
The factors affecting your CIBIL score are primarily your payment history and credit utilisation
What the 300-900 range means and what each band actually unlocks.
Guides and explainers
How to get your first credit account with no score, what moves the number in six months, and your rights if the report is wrong.
Where to get your credit score and full report at no cost, and what the free version leaves out.
A car loan is secured, so the score bar is lower than for a personal loan — but no lender publishes the number, and we will not invent one.
The score each card tier expects, from a secured card at zero to 800 for super-premium.
There is no statutory minimum. What your score actually changes, and how to move it before you apply.
There is no published cut-off. Here is how lenders actually band scores, and what your band costs you in interest.
How utilisation is measured, why the 30% rule is folklore, and why the fortnightly reporting date matters more than your due date.
How to get a settled status changed to closed, the 30-day dispute clock with ₹100 a day compensation, and why the seven-year rule is not in the RBI directions.
Why a credit score of -1, NA or NH is not a bad score, and the six-month route to getting a real one.
How to check your credit score free
- Open the bureau’s own website: cibil.com, experian.in, equifax.co.in or crifhighmark.com.
- Choose the free report link. RBI requires each bureau to show it on the homepage.
- Enter your name, PAN, date of birth and the mobile number your lenders hold.
- Verify with the OTP and answer any questions about your existing loans.
- Read the score and the account list. Report any wrong entry through the bureau’s dispute form.
If a bureau or lender does not fix a correct complaint within 30 calendar days, RBI rules entitle you to ₹100 for each day of delay. Our guide to the free credit score compares what each bureau’s free version shows.
Frequently asked questions
Is there an accurate credit score calculator?
No. Bureaus do not publish their scoring models, so any calculator or simulator gives an estimate, not your score. Use one to test a decision, then check the real number on the bureau’s site.
How can I calculate my CIBIL score?
You cannot calculate it yourself; TransUnion CIBIL computes it from your repayment history, card use, loan mix and recent applications. Pull your free CIBIL report to see the figure and the accounts behind it.
What are the charges to check a CIBIL score?
Nothing for the first check each calendar year. After that, CIBIL charges for its paid plans; its FAQ lists a one-time Starter plan at ₹118 and subscriptions from ₹699 for a month.
Can I check my CRIF score free?
Yes. CRIF High Mark gives one free credit report each calendar year on its website, and it also offers a score simulator.
Does checking my own credit score lower it?
No. CIBIL states that checking your own score does not appear as an enquiry lenders see and has no impact. Only lender enquiries when you apply for credit can count against you.
What credit score range should I aim for?
Scores run from 300 to 900, and higher is better. Our page on what a good credit score is explains what each band changes on a loan.
Sources
- Reserve Bank of India (Credit Information Companies) Directions, 2025, paragraphs 21(7), 37 and 41 (300–900 scale, Free Full Credit Report, ₹100 a day compensation) — RBI (checked 17 Sep 2026)
- Free CIBIL Score and Report — TransUnion CIBIL (checked 17 Sep 2026)
- Subscription FAQs (plan prices) — TransUnion CIBIL (checked 17 Sep 2026)
- Starter plan FAQs — TransUnion CIBIL (checked 17 Sep 2026)
- Personal credit score and free annual report — CRIF High Mark (checked 17 Sep 2026)
- Personal credit report, one free report a year — Equifax India (checked 17 Sep 2026)
- Credit pull FAQ, free annual score and report — Experian India (checked 17 Sep 2026)
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