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Home Loan

How to See CIBIL Score: Official Website, Bank Apps and Your Report

See your CIBIL score free once a year at cibil.com or in bank apps such as SBI YONO; it runs from 300 to 900 and checking it does not lower it.

PS

Written by Priya Sharma

Updated on 17 September 2026·5 min read

On this page8 sections
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To see your CIBIL score, sign in at cibil.com (TransUnion CIBIL’s official website) and open your free annual CIBIL Score and Report, or check the CIBIL score section in your bank’s app if it offers one. The score is a number from 300 to 900. Checking your own score does not lower it.

Key facts

Item Position on 17 September 2026
Official website cibil.com (TransUnion CIBIL)
Free report One free CIBIL Score and Report each calendar year; if you used it on or after 1 January 2026, the next free one is due on 1 January 2027
Score range 300 to 900, the range RBI requires all four credit bureaus to use
Effect of checking your own score None
How often lenders report As on the 9th, 16th, 23rd and last day of each month, from 1 July 2026
Other RBI-registered bureaus Experian, Equifax and CRIF High Mark, each with its own free annual report

Where you can see your CIBIL score

Where What you see Cost
cibil.com (myCIBIL account) CIBIL score and full CIBIL report Free once a calendar year; paid plans for more frequent access
SBI YONO app CIBIL score and report, report analysis and a score simulator, added in February 2026 Available inside the app to YONO users
Union Bank of India online banking A “Generate CIBIL Score” link on its home page that opens cibil.com As on cibil.com
Other bank and lender apps and websites Usually a CIBIL or other bureau score through a tie-up Varies; read the terms before sharing your PAN

A bank that shows your score through its app is only displaying the bureau’s data. Indian Bank, for example, has promoted a CIBIL score widget in its IndSMART app. If your bank’s app does not list the feature, cibil.com is the direct route.

How to see your CIBIL score on cibil.com

  1. Open cibil.com and select the free CIBIL Score and Report option.
  2. If you are new, sign up with your personal details and an ID such as your PAN. If you already have a myCIBIL account, log in and open the My Account tab.
  3. Complete identity verification. If the online check fails, call CIBIL customer support to finish it.
  4. Click Get your Free Report.
  5. Read your score and the full report behind it, and save a copy for your records.

If the Get your Free Report link is missing, you have probably used this year’s free report already. Type the address yourself rather than following a link from a message, and never share an OTP with a caller. Our step-by-step guide to checking your CIBIL score for free covers sign-up problems, and the CIBIL score check guide covers disputes.

How to see your CIBIL score in the SBI YONO app

TransUnion CIBIL announced on 24 February 2026 that the consumer CIBIL score and report are built into SBI’s YONO app. Log in to YONO and look for the CIBIL score option. The app also has a score simulator that shows how actions such as closing a card, paying a credit card bill or making a new loan enquiry could move your score.

What you see when you open your CIBIL report

ItemDetails
Scorethe three-digit CIBIL score, from 300 to 900. CIBIL says the closer it is to 900, the better your chances of approval.
Personal informationname, date of birth, PAN and other IDs, addresses and phone numbers reported by lenders.
Accountsactive and closed loans and credit cards, with lender name, amount, balance and month-by-month payment record.
Enquirieslenders that pulled your report when you applied for credit, for the last 36 months.

If you see NH or NA instead of a number, you do not yet have enough credit history. CIBIL needs more than six months of credit information to calculate a score. Our page on NH and NA scores explains what lenders do with them.

How to get your latest CIBIL score

Since 1 July 2026, banks and other lenders send data to the bureaus as on the 9th, 16th, 23rd and last day of each month. Lenders must send each update within four calendar days of those dates, so a payment you make today can reach your report within about a week of the next reporting date, instead of waiting for a month-end. If a closed loan or a paid-off card still shows as open, raise a dispute on cibil.com with the account details.

If the bureau or lender does not resolve your complaint within 30 days, the RBI requires compensation of ₹100 for each day of delay. You can then complain to the RBI Ombudsman at cms.rbi.org.in under the Integrated Ombudsman Scheme, 2026. File within 90 days of the last reply from the bureau or lender, or of the 30-day period ending, whichever is later.

Frequently asked questions

How can I see my CIBIL score?

Log in to cibil.com and open your free annual CIBIL Score and Report, or use your bank’s app if it shows CIBIL scores, such as SBI YONO. The score appears as a number between 300 and 900.

What is the CIBIL score official website?

cibil.com, run by TransUnion CIBIL Limited, one of four credit information companies registered with the RBI.

How do I check my CIBIL score in Union Bank of India?

Union Bank’s online banking page has a “Generate CIBIL Score” link that takes you to cibil.com, where you sign in and see your score.

Can I check my CIBIL score through my bank?

Some banks show it in their app through a tie-up with TransUnion CIBIL; SBI YONO does. Otherwise use cibil.com directly.

What is a bureau score?

It is the credit score a credit bureau calculates from your loan and card history. CIBIL, Experian, Equifax and CRIF High Mark each produce one on the same 300–900 scale.

Does seeing my CIBIL score reduce it?

No. Checking your own score is not a loan enquiry. Only enquiries made by a lender when you apply for credit appear as enquiries on your report.

How often does my CIBIL score change?

It can change after each lender update. From 1 July 2026, lenders report as on four dates each month, so the score may change several times a month.

Sources

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