How do I check my CIBIL score for free?

You don't need to pay to know where you stand — CIBIL itself offers one free credit report per year directly through its website, and several platforms like Finolink provide free score checks as well, often with more frequent access.

To check your score, you'll typically need to provide basic KYC details like your PAN, date of birth, and address for identity verification. The report generated will show your score along with a full breakdown of your credit accounts, payment history, and any outstanding loans.

Since checking your own score is a soft inquiry, there's no downside to checking it regularly — doing so every few months helps you track your credit health and catch any errors or fraudulent activity early.