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FREE Credit Score Online
Your Credit Score is a 3-digit number, between 300 & 900, that represents your credit behaviour, including your current liabilities and repayment habits. It is a yardstick for banks and NBFCs, from whom you get your loans, credit cards and other credit facilities, to let them know your creditworthiness, which is basically how well you have managed your loans, credit cards, Buy Now Pay Later facilities, overdraft, or other credit lines..
What Is Credit Score?
What Is Good Credit Score?
Your credit score ranges between 300-900. While a score of 750 and above is considered ideal to get the best interest rates and other terms on any loans or credit cards.
What are the Credit Score Ranges & What Do They Mean ?
NA/NH
350 - 549
Credit Score Range
What It Means
550 - 649
650 - 749
750 - 900
Grade
BAD
FAIR
GOOD
EXCELLENT
-
“Not Applicable” or “No History”
There is no credit history under your name since you have not availed a credit card or loan till date.
This credit score could mean that you are in the high-risk group and are not good with managing your credit. This could be due to late payments, missed bill payments and other bad credit management traits. Credit score in this range makes it difficult to avail new loans or credit scores.
A credit score in this range means that you are fairly good at managing your credit, with room for improvement. While there have been occasional missed payments or late payments, your credit history remains fairly good. While a credit score in this range is not favorable, few NBFCs are willing to lend to borrowers with this credit score range, but with a higher interest rate.
A credit score in this range puts you in the less risky borrower and banks and NBFCs generally lend to you, albeit with tougher loan terms and slightly higher interest rates. Improving your credit score from this range into the ‘Excellent’ range is quite easy.
A credit score in this range means that your creditworthiness is quite high and lenders are willing to offer you the best terms and interest rates on loans and credit cards. It means that you have maintained healthy credit habits with timely repayments.
Which Are The 4 Major Credit Bureaus in India?
India has four major credit bureaus that are licensed by the Reserve Bank of India (RBI) to collect and maintain credit information of individuals and businesses. These bureaus play a vital role in determining an individual’s creditworthiness and are widely used by banks and financial institutions for loan approvals and risk assessment.
The first and most prominent is TransUnion CIBIL (Credit Information Bureau India Limited), established in 2000. It is the most widely recognized credit bureau in India, and its CIBIL Score (ranging from 300 to 900) is one of the key metrics used by lenders while evaluating loan applications.
The second is Experian India, which received its license from the RBI in 2010. It is part of the global Experian group and offers comprehensive credit reports and scores, also ranging from 300 to 900. Experian serves both individuals and institutions with credit data and analytics.
Equifax India is another major credit bureau, operational since 2010 as a subsidiary of the US-based Equifax Inc. It provides detailed consumer and commercial credit information and is widely used by financial institutions for decision-making.
The fourth bureau is CRIF High Mark, founded in 2007 and later acquired by the global CRIF group in 2014. It is known for its strength in the microfinance sector and rural lending, in addition to providing credit scores and reports for retail consumers. Like the others, its credit score also ranges from 300 to 900.
Together, these four credit bureaus form the backbone of India’s credit information infrastructure, helping maintain financial discipline and transparency in the lending ecosystem.
How and Where to Check Your Free Credit Score Online in India
Regularly checking your credit score is a smart financial habit that can help you make better decisions regarding loans, credit cards, and overall credit health. A good credit score not only increases your chances of loan approval but can also help you negotiate better interest rates. Even a small reduction in interest on large loans can lead to substantial savings over time. If you're wondering how to check your credit score online for free, here’s a simple guide.
1. Credit Bureaus
According to the Reserve Bank of India (RBI), each credit bureau in India must provide one free credit report and score to individuals every year. You can access this directly from the official websites of the four major credit bureaus—TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. Simply fill out a form with your basic personal details or contact them via email to request your report.
2. Third-Party Financial Portals
Several financial platforms like CreditMantri, Paisabazaar, BankBazaar, and Wishfin offer free credit score checks throughout the year. These services are completely free and do not impact your credit score, no matter how many times you check. They also offer personalized credit improvement tips based on your score.
3. Banks and Financial Institutions
Many banks now allow their customers to check their credit score online through their official websites. While the first check is often free, some banks may charge a nominal fee for additional reports. It's advisable to check with your bank regarding their specific terms and conditions.
To check your credit score online, you will typically need to provide details such as your name, date of birth, PAN card number, employment information, and contact details. Once submitted, the platform retrieves your score directly from the credit bureau. The entire process takes just 2–3 minutes and is completely secure.
Monitoring your credit score regularly not only keeps you aware of your financial standing but also helps you spot errors or fraudulent activity early. It’s a simple yet powerful tool for maintaining financial health.
How To Check Your Credit Score for Free on Banksamadhan.in?
Banksamadhan.in offers free credit score estimator check along with a detailed credit report analysis that helps you improve your credit score and apply for the best loans and credit cards in India.
Visit the official Banksamadhan.in website
Click on the ‘’ from the top menu bar to easily check your credit score.
Enter your mobile number and hit ‘Check for FREE’ button.
Verify mobile number by entering the OTP sent to your mobile.
Enter your Email ID, Date of Birth, PIN code, PAN, and Name.
Your ‘Credit Score’ will be displayed on the page.
What Are the Factors Affecting My Credit Score in India?
As mentioned earlier, the credit bureaus use data from your credit history to calculate or arrive at your credit score.
The factors that affect your credit score are
Payment History – The most important factor. How regular you are on your loan/credit card payments
Amounts Owed/Credit Utilization – Having very high debts or maxing out credit cards with dues continuing for many months will have a negative impact on your score
Length of Credit history – The longer the credit history, the higher the credit score
Credit Mix – Having multiple types of credit like personal loan, credit card and car loan shows that you can handle different type of credit efficiently and responsibly
New Credit – Taking out credits within short time negatively affects your credit score
Is Checking Credit Score on Third-Party Websites Safe?
Although, you can get your credit score from all the 4 four credit bureaus, checking it on third-party websites makes it easier as the process is minimal and hassle-free. Moreover, the credit bureaus provide your credit score and report for free only once a year. If you want to access your credit report multiple times from credit bureaus, you may have to pay a fee of certain amount. But third-party financial websites provide your score for free round the year.
While it’s a third-party, you may be apprehensive about the safety of your personal details and also wonder how they fetch your credit score from the bureau. Each website has tie-up with any one of the 4 bureaus and fetch your credit score from their records. The third-party websites ensure that it’s completely safe and you can check multiple times for free.
Some are sceptical if checking credit score from these sites will reduce it. Your credit score gets affected only if the lender checks it while you apply for a loan or credit card. When you check your score on these platforms, it is considered a soft enquiry, and it does not have any impact on your credit score. it’s indeed good to check your credit score multiple times to keep a track of your credit health.
How Can I Get a Good Credit Score Of 750+ In India?
Maintaining a good credit score can be done easily by doing the following:
1. Pay Your Bills on Time: Regular and on time bill payment has the highest weightage when calculating your credit score. So always pay your credit card bill or loan EMI on time. Make sure you have set up an alert to remind you about payments or opt for automatic payment where the lender withdraws the money owed on the day already decided by you.
2. Keep Your Credit Utilization Low: Keep your overall credit utilization low, i.e. say you have 2 credit cards which have Rs.50,000 and Rs.40,000 as their respective credit limits which adds up to a total credit limit of Rs.90,000. The recommended credit utilization ratio is 30% i.e. Rs.27,000. If a person keeps using a lot of credit especially maxing out their credit limit will negatively affect their credit score.
3. Don’t Close Old Credit Cards: When you close old credit cards the card issuer stops sending updates to the credit bureaus. The credit bureaus also give less weightage to closed accounts. This could bring about reduction in your credit score. Also, your overall credit limit reduces which means your spending capacity and staying below the ideal credit utilization ratio is difficult. You must remember that after 10 years the closed credit card account will be removed from your credit report which could bring down your score when you really don’t want it to happen.
4. Limit New Credit Application: It is best to limit new credit application within a short time period as each hard enquiry will be listed on your credit report, which brings down your credit score. Also, if lenders see a lot of enquiries listed on your credit report, they will get the impression that you are desperate for credit and don’t know how to manage your finances.
5. Monitor Your Credit Report Regularly: Check your credit report on a regular basis. RBI has mandated that all credit bureaus provide one free credit report each year to customers. But we suggest that you have a look at your credit report at least twice each year.
This is important because there could be mistakes on your report. Th mistakes could occur if the lender makes a mistake or due to identity theft or credit card fraud, which could bring down your credit score.
Why Should I Have a Good Credit Score?
Having a good credit score can help your secure loans and credit cards with ease. Lenders prefer applicants with good credit score as they show positive track record of repayments. Following are some of the benefits of having a good credit score.
Low interest rates on loans: Individuals with a good credit score can secure any type of loans with a good rate of interest. This is a bonus for having a good credit score. A high-interest rate loan can pinch your pocket and become a burdensome in the long run.
Greater chances of loan and credit card approval: As the good credit score is a representation of good financial habits, the lenders are no more reluctant to grant more credit to individuals with a good credit score.
Higher limits on credit cards: The good credit score can make you eligible for higher credit card limits. Higher limits can help keep your credit utilisation ratio low and thus improve your score further.
More negotiating power: With a good credit score, you can gain the power of negotiating with the lender. You can bargain for a lower rate of interest on loans and get your favourite credit card that comes with numerous benefits.
What Are That Factors Impacting My Credit Score Negatively?
To err is human. Poor credit score is the result of poor credit behaviour. It’s important you identify those poor financial behaviour to make things right.
Following are the reasons why most people may have poor credit score.
1: Late Repayments
You must remember that even one or two delayed credit card bill or loan repayments can affect credit score negatively. The more the number of delayed payments, the greater is the negative impact on your credit history and credit score. Though you may repay the amount later with a penalty to the lender, it gets reported by the lender as delayed payment to the credit bureaus.
2: Missed Payments
As major chunk of weightage in credit score calculation depends on repayment history, hence it is vital you do not miss a single payment on your credit card or loan EMI. Even a single default can hurt your credit score, making it difficult to avail credit in the future.
3: Poor Credit Card Utilisation
Maxing out credit card limit implies you are credit hungry which could impact your credit score negatively. Experts recommend that having a credit utilisation ratio of 30% and below is good for your credit score. In case you use your credit card often, you can request for a higher credit limit on your credit card or get another card to balance the credit utilisation ratio.
4: Multiple Loan Applications
As we already know that a hard enquiry can negatively impact your credit score, you must keep tabs on your loan applications. Applying for the same loan with multiple lenders can work against you as multiple enquiries are made. Hence, apply with the lender only where the approval chances are higher. You can check your eligibility for free for all loans on financial portal like Banksamadhan.in which can avoid a potential rejection.
5: Administrative Error
Occasionally, there may be an administrative error that results in wrong information being recorded on your credit report. Sometimes, this might be the result of fraudulent activity as well. For no fault of yours, these errors could lead to a lower credit score, signalling to future lenders that you have bad credit.
Foreclosure: It happens in secured loans, wherein the lender sells the property through auctions and retrieve the outstanding loan amount. It can significantly reduce your credit score.
Written-off: The lender writes off your loan or credit card account if you have continuously defaulted on repayments for 180 days. This gets reported to the credit bureaus by the lender, and your credit report shows written-off status. This can affect your credit score negatively and make you ineligible to avail loans.
Settled: When you are unable to repay the loan, the lender allows you to settle the loan account for a mutually agreed amount which would be lower than the outstanding loan amount. This is a negative issue which will impact your credit score negatively.
How Can I Improve My Credit Score?
There could be people who have never taken loans or credit cards due to which they will not have a credit history and hence no credit score. Also, there are people who might have lower credit score as they could not manage their finances properly. For such people it will be difficult to get a loan and even if they do, the terms for the loan or credit card will not be good. These people need to improve their credit score which can be done by using any one of the following steps
Step 1: Understand your earnings and spending
Know how much you make, understand all the deductions, the reasons behind it and track where you spend your money. This will give you knowledge of your income and expense. You can also take the help of technology like mobile apps or online tools to track your spending, inflows and outflows. This can be a great help in your efforts to improve your finances.
Step 2: Plan your finances
Write down your financial problems and goals. Writing them down gives you clarity and finality, rather than constantly thinking and worrying about your finances without having a clear idea of what the issues are. After which you need to plan what you want to do for example, do you want to pay of your credit card debt in 3 months (or) save a certain amount of money before a certain time (or) pay the down payment for a new house. Decide on what you want to achieve. This will be your goal and mantra which your focus must be on and planning along this goal will help with you stay on course to complete the goal.
Step 3: Implement your plan
This is the most difficult part – doing. People will do all the above steps but almost always let go in this step. Implementation of your plan should include
Watch Your Spends: Do not spend more than what you have. Even better decide a cut-off point and save the rest. Try to keep your spending below your cut-off point. Credit card holders need to pay off their debts on time and keep their credit limited to 30% below credit utilization ratio.
Find ways to increase your income: Find alternate sources of earning income like freelance article writing, part time jobs in retail shops or any other means which you are comfortable with. Use this fund wisely or save it for emergency purposes.
Paying of your debt: Pay off your existing credit card, education loan, car loan etc. This needs to be your priority. This is eating away at your salary every month and needs to be closed as soon as possible. Aggressive payment of debts is what is required here.
Step 4: Review, Monitor and Adjust
After implementation review your actuals with plan. If there is deviation, adjust it accordingly. Continuously review your results on a weekly basis. This way you will know what you are earning and how much you are spending and if you are on track with your goal.
Also Read: Handy Tips For Fixing Your Poor Credit Score
How Long Does It Take to Improve Your Credit Score?
After you have identified you have a low credit score, you can subscribe for credit improvement services offered by various financial services companies or approach the lender to pay off your past dues. The first thing you need to do is to get your outstanding dues from the lender and pay them back in full. After having made the repayment, get a ‘No Due Certificate’ which confirms that you have cleared all the dues.
After making the payment, the lender will report your payment details to the credit bureaus who keep a record of your credit activities. Upon receiving the information from the lender, the bureaus will remove the negative issues from your account and update the latest payment details on your record. You have now successfully moved away from having bad credit. However, this is just the beginning.
For example, if you have a credit score of 480 at the time of removing your negative account, your credit score will remain the same in the future unless you have an active loan or credit card. On repaying the current loan and credit card bill consistently, you can improve your credit score considerably. A steady increase can be witnessed on being regular with repayment..
What is the Difference between a credit score, a credit rating, and a Credit Report?
Credit Report
Contains information on current/past credit agreements (mortgages, credit cards, loans, enquiries.
Reflects your credit management; you control the listings.
Outlines how much you owe, payment consistency, and account age.
Lists public records like court judgments, bankruptcy filings, etc.
Can be accessed via credit reporting agencies or monitoring services.
Credit Score
A 3-digit number (300–900) based on your credit report.
Scored by credit bureaus based on your credit habits, payment history and more.
Indicates your creditworthiness; a higher credit score means you are low risk and gives you better loan eligibility.
Forms part of your overall credit report from the bureau.
Credit Review
Indicates an organization's ability to repay loans.
Assessed by credit rating agencies that analyse financial risk.
Based on your organization’s existing liabilities, credit history, and the ability to repay.
Ratings range from AAA/A1 (safest) to D (lowest).
Why Choose CreditMantri for Your Credit Score Check?
Apart from providing Free Credit Score, CreditMantri also gives a detailed Credit Report Analysis based on the information available with the credit bureau. This detailed report helps you improve your credit score by making necessary changes to your credit habits.
Free Credit Score & Credit Report – Your credit score may not tell you much about your credit health and our detailed credit report helps you with that. Get an in-depth analysis of your credit score and credit history to avail the best loans and credit cards in India.
Instant Credit Score for FREE – Since it is a completely digital process, it takes less than 10 minutes to get your credit score and it is a fully online process where there is no need to submit any documentary proof.
Customized offers on Loans & Credit Cards – CreditMantri partners with more than 30 lenders to bring you the best offers on loans and credit cards.
Get Custom Action Plan to fix your Credit Score – Based on your credit score and credit report, CreditMantri will create an action plan to improve your credit health.