Whoever said wishes don’t come true hasn’t explored our offers!
  • Loading your search...
  • CIBIL Score

    The Credit Information Bureau (India) Ltd, better known as CIBIL, is the premier agency for providing credit reports and scores pertaining to individuals. CIBIL sources financial data of individuals such as loan and credit card information from leading banks and other financial institutions in India. This data is then presented in the form of a CIBIL credit report, also known as a Credit Information Report (CIR).

    CIBIL was incorporated in 2000 and has continued to expand its presence throughout the country. It is backed by TransUnion International and Dun and Bradstreet, which are major global credit bureaus and agencies

    check cibil score How to Improve CIBIL Score CIBIL Score Range
    CIBIL scores online Factors that Affect CIBIL Score CIBIL Score FAQ's

    What is a CIBIL Score?

    The Credit Information Bureau (India) Ltd, popularly known as CIBIL is a Reserve Bank of India (RBI) authorised credit agency. It offers CIBIL scores and CIBIL reports for individuals. A CIBIL score is generated by the bureau after considering an individual’s detailed credit information. The agency also offers credit report services to the banks and other NBFC (Non-banking financial companies). A CIBIL score is a three-digit number between 300-900, 300 being the lowest, that represents an individual’s credit worthiness. A higher CIBIL score suggests good credit history and responsible repayment behavior. CIBIL scores are calculated on the basis of at least 6 months of historical financial data of an individual. The data is fed into an algorithm with 258 different variables; each with a different weightage.

    A CIBIL Score is a numeric summary of credit history that is calculated based on the following factors:

    Track Record of Past Payments
    • Record of all past repayments
    • Consistently making payments on time leads to a higher score
    • Delayed payments leads to a lower score
    • Recent delayed payments makes a more negative impact
    Previous Settlements, Defaults, Write-offs
    • Recent write-offs impact more negatively than older ones
    • Multiple write-offs lead to lower score
    • Write offs documented by lenders on previous debts lower score
    • Delays or defaults on secured loan repayments impact more negatively than unsecured loans
    Loans as Proportion of Income
    • Low loan balance indicative of healthy credit usage and thus higher score
    • High loan balance reduces score
    Secured Loans vs. Unsecured Loans and credit cards
    • High credit card balances lower score
    • Reliance on unsecured loans (credit cards) over secured loans viewed negatively
    • Lesser number of such accounts coupled with frequent payment history pushes up score
    Loan Equities
    • Many loan enquiries to avail loans indicative of “credit hungry” behaviour, negatively impacts score

    3 Essential Tips to have a great CIBIL Score

    A CIBIL score of 750 and above is considered as ideal. It is important to have a high CIBIL score as it is useful when you are applying for a loan or a credit card. Keeping your CIBIL score on track since the beginning of the year can help you increase the chances of getting a loan approved easily. Maintaining a healthy CIBIL score is extremely important. Here are some important tips to have a great CIBIL Score.

    • Be Disciplined: Credit Card and loan repayments have the strongest impact on your CIBIL score. Hence, paying all your dues on time should be your priority.
    • Low Credit Utilisation Ratio: Keep your credit utilization ratio at 30% for a good CIBIL score. It is advised to get a credit card with higher top limit, if you are struggling to stay within the existing limit of the card.
    • Seek Variety: It is better to have a good combination of secured and unsecured debt in order to get a high CIBIL score. A Credit Card is an unsecured debt whereas a Car Loan is a secured debt.

    5 Tips to Improve your CIBIL Score

    It is important to have a high CIBIL score as it helps banks decide whether to extend a certain amount of credit to you or not. A good CIBIL score increases your chances for an easier credit approval. Here are five simple and effective ways that will help you improve your CIBIL score.

    • Check and Monitor your CIBIL Score: It is better to know your CIBIL Score regularly, as it will give you an idea about your credit status. You can monitor your CIBIL score by applying for subscription based credit score. In addition, you can also track your score by using free CIBIL score report from the leading credit bureaus in India. Another reason to check your CIBIL score is to see whether there are any errors or false records about your credit account.
    • Review your credit report: In addition to monitoring your CIBIL Score, it is advised to check your credit report as it might have errors. It is better to review your credit report regularly, as you can rectify them on time.
    • Limit your Credit Usage: Maintaining a discipline when it comes to credit card usage is of utmost importance. Make sure you are not exhausting your entire credit limit. Until your CIBIL score reaches 750, it is advised to not spend over 50% of your credit card limit.
    • Increase your credit limit: A credit limit is the total amount you can borrow through the card. Request your credit card issuer to increase your credit limit.
    • Make payments on time: In order to prove that you can manage your debt efficiently, make sure to pay all your dues on time. Avoid delays in paying your bills to maintain a good credit. Never pay partial amounts as it may showcase you as undisciplined credit payer and edge down your CIBIL score.

    CIBIL Score Range

    CIBIL Score Range

    A CIBIL score ranges from 300 – 900, 900 being the highest. Generally, individuals with a CIBIL score of 750 and above are considered as responsible borrowers. Here are the different ranges of a CIBIL score.

    NA/NH: If you have no credit history, your CIBIL score will be NA/NH which means it is either “not applicable” or no history”. If you have not used a credit card or have never taken a loan, you will have no credit history. You might want to consider taking credit, as it will help you in building a credit history and get access to credit products.

    350 – 549: A CIBIL score in this range is considered as a bad CIBIL score. It means you have been late in paying credit card bills or EMIs for loans. With a CIBIL score in this range, it will be difficult for you to get a loan or a credit card as you are at a high-risk of turning into a defaulter.

    550 – 649: A CIBIL score in this range is considered as fair. However, only a handful of lenders would consider offering you credit as this is still not the best CIBIL score range. It suggests you have been struggling to pay the dues on time. The interest rates on the loan could also be higher. You need to take serious measures to improve your CIBIL score even further for better deals on loan.

    650 – 749: If your CIBIL score is in this range, you are on the right path. You should continue displaying good credit behaviour and increase your score further. Lenders will consider your credit application and offer you a loan. However, you may still not have the negotiation power to get the best deal on the rate of interest for loan.

    750 – 900: This is an excellent CIBIL score. It suggests you have been regular with credit payments and have an impressive payment history. Banks will offer you loans and credit cards as well considering you are at the lowest risk of turning into a defaulter.

    • It helps in analysing your true financial standing and make plans for future finances.
    • You can be on top of your borrowings and avoid debt traps.
    • With a CIBIL score in hand, you are in a great position to make decisions regarding availing new forms of credit, while also being able to extract the best possible rates from banks or other lenders.
    • It helps in cultivating financial discipline.

    Things that Positively Affect your CIBIL score

    • Consistently paying loan EMIs on or before the due date.
    • Paying credit card bills on or before the due date.
    • Paying credit card bill amount in full every time without fail. Not paying the minimum amount due on the bill and instead clear off the bills each month.
    • Avoiding over-leveraging.
    • Maintaining clean financial records without any late payments or pending debts.
    • Having a good balance of secured as well as unsecured credit.
    • Maintaining a low credit utilisation ratio (20-30%) of the actual credit card limit.
    • Checking credit score from time-to-time.
    • Reviewing credit report periodically and ensuring there are no errors in the report.
    • Possessing copies of credit report personally instead of relying on the financial institutions.

    Things that Negatively Affect your CIBIL score

    • Avoid making several credit inquiries at the same time to multiple banks and other institutions.
    • Irregular repayment behaviour in case of loans, utility bills, and EMIs.
    • Turning a defaulter for not paying credit card bills/ making late payments or consistent part payments.
    • Having a large amount of unsecured credit such as multiple personal loans.
    • Getting rejections for multiple applications of unsecured loans.
    • Turning a defaulter as a guarantor for your friends or family members
    • Closing old credit accounts that have a long credit history.
    • Not checking credit score from time-to-time.
    • Not reviewing credit report for a long time.
    • Maintaining a high credit utilisation ratio (more than 40% of the credit limit)
    • Not disputing errors in your credit report for a long time.
    • Having very low or no credit history.
    • Closing credit cards that have a high credit limit.
    • Having only credit cards only loans. You should instead work on maintaining a good balance of both types of credit.
    • Frequently requesting for an increase in your credit card limit.

    A credit score measures your creditworthiness. It helps lenders take a sound decision regarding your ability to pay back the borrowed credit. When you have a high credit score, lenders like banks and non- banking financial companies (NBFC) will be willing to offer you a loan or a credit card. A credit score is calculated after taking into consideration several factors like payment history, credit exposure, the age of credit history, type of credit and total debt.

    Banks, NBFCs or licensed lenders with whom you transact, submit all your account details to credit rating agencies. Rating is done according to the criteria set by each agency. Your credit scores from two different credit bureaus can vary as each bureau have their own scoring model. Therefore, the variation in your credit scores is normal as well as valid. However, there are several myths that revolve around your credit score.

    Let’s take a look at some of the popular myths that you should know about:

    • Don’t assume that your credit report will always be accurate

    Credit Report cannot always be accurate and there is a good chance that it will have errors. Therefore, you should check your credit report periodically to see if there are any wrong credit entries or missing records of a loan instalment. It is also possible that you are a victim of an identity theft hence, it is not safe to assume that your credit report is error-free.

    • You cannot get a free credit report

    As per the guidelines of the Reserve Bank of India (RBI), you are entitled to get one free credit report that contains your credit score, in a financial year. It is mandatory for all the credit bureaus in the country to offer one free credit report to consumers.

    • Closing your credit card will help your credit score

    One of the factors that can bring down your credit score, is cutting down the length of your credit history. Hence, it is advised to keep all your old credit cards open even if you are not using them. By keeping the cards open, you get a long credit history that helps you improve your credit score.

    • No credit history equals to no credit score

    A majority of people do not own or use a credit card, as they believe that they will still have a good credit score. It must be noted that, if you do not use your credit card, you will not have a credit history and therefore credit bureaus will not be able to compute your credit score.

    • Credit Utilisation Ratio has Nothing to do with Rating

    A credit utilisation ratio expresses the relation between the amount of credit granted and the actual credit usage. Anything between 30-35% is considered feasible. For instance, if the sanctioned credit limit on your credit card is Rs.100,000, the actual usage should not exceed Rs.35,000 to avoid the consequences of being considered an unsafe financial behaviour.

    • Low credit score means no credit card

    Lenders trust consumers with a high credit score as they are less likely to turn into a defaulter. However, each lender has a different policy and some of them might still consider your credit card application even if you don’t have a high credit score.

    • Ignoring Secured and Unsecured Loans

    Credit card companies and lenders like to observe how effectively you manage various categories of financing. Build your Credit Score through a portfolio of properly balanced secured long-run loans such as housing mortgages and auto loans; and unsecured revolving mortgages like personal loans and credit cards. For instance, making credit card payments in full in lieu of utilising the facility of revolving credit is considered positive.

    • Checking your credit score will bring it down

    This is one of the most common myths associated with your credit score. It must be noted that even if you check your credit score multiple times, it will have no effect whatsoever on your credit score. When you check your own CIBIL score, it is termed as a soft enquiry and it is completely harmless. On the contrary, when your bank or lender initiates your credit check, it is considered a hard check and this has a negative impact on your credit score.

    • Building Credit Without Credit

    Bankers would want to see your previous repayment history. It is tough to build credit with no credit history. Staying away from any type of debt completely might not always be in the interest rate of lending companies. The evidence for previous payments can put you on a higher scale.

    • Standing as a co-applicant has no effect on your credit score

    Standing as a co-applicant seems reasonable as long as you are sure that the principal borrower can repay debts. The payment obligation will be shifted to you if the principal borrower fails to make payments. It impacts your credibility.

    • Other credit bureaus also have access to your credit records

    All the four credit bureaus in the country viz, TransUnion CIBIL, Equifax, Experian Credit Information Company and High Mark Credit Information Services, have the access to your credit records. These credit bureaus are licensed by the RBI. No other credit bureaus can access your credit records.

    • Eligible for loan
    • Discount on interest rates for home or auto loan
    • Credit cards with better benefits
    • Preferential pricing
    • Power to negotiate for better deals
    • Request for a higher limit on credit cards
    • Easy availability of credit such as loans.
    • Quick processing of loan and credit card applications.
    • Possibility of negotiating or waiving processing fees
    • Advantage of requesting for prepayment options.

    How to get CIBIL credit scores online

    CIBIL credit ratings can be checked online by following a few simple steps, as outlined below.

    1. Log on to the official CIBIL website and click on Know Your Score.
    2. Fill up the online form which asks for details such as name, date of birth, address, id proof, past loan history and other relevant data.
    3. On filling the form and accepting changes, you will be taken to the payments page. You can choose from multiple modes of payment such as prepaid cards, credit cards, net banking etc. A payment of Rs.470 has to be made to CIBIL to get your credit report.
    1. After successfully making the payment, you will be taken to an authentication page. Here, you will be required to answer 5 questions related to your credit history of which you will have to answer at least 3 questions correctly to authenticate your identity with CIBIL. Your report will be sent to your email address within the next 24 hours.
    2. If authentication fails, you can fill and send a hard copy of the application to CIBIL by mail. You will subsequently also receive the report by mail.

    Factors that Affect your CIBIL Score

    A CIBIL score is made up of four main factors. Each factor has a different weightage. Let’s take a look at the factors and how they can affect your CIBIL score.

    Payment History 30%
    Credit Exposure 25%
    Credit Type and Duration 25%
    Other Factors 20%
    1. Payment History:
    2. In order to maintain a high score, you need to be prompt with your monthly credit card bill payments as well as loan EMIs. If you are delaying your payments or are defaulting on EMIs, it will hamper your score. Irregular payment behaviour also suggests that you are struggling to manage your credit health. A recent CIBIL analysis (reported by the Financial Express) revealed that 30-day delinquency can reduce your score by 100 points.

    3. Credit Utilisation Ratio:
    4. Having a loan or multiple credit cards do not negatively impact your CIBIL score. However, if your credit utilisation ratio is high, it will bring your score down. Ideally, you should only spend up to 30% of your credit limit. A higher credit utilisation ratio suggests you have been increasing your debt and are likely to turn a defaulter. Therefore, it is advised to keep a tab on your credit expenses and make sure you are not maxing out your limit.

    5. Type of Credit and Duration:
    6. The age of your credit history is the number of years that have passed since you opened your first credit account. CIBIL considers the average number of years for which you have been holding a credit account. Having a good balance of secured (car or home) loans as well as unsecured (credit card) loans helps to boost your score. When you have a healthy credit mix, it suggests that you have a good experience in handling different types of accounts. A long credit history with good repayment behaviour makes you a low-risk borrower. It is better to start building your credit history at an early stage as it will be helpful later at the time when you’re planning to buy a house or a car.

    7. Other Factors:
    8. Credit inquiries is another factor that is considered while calculating your score. Every time you apply for a loan or a credit card, the lender will check your credit report. This is called a hard inquiry. If you make multiple credit requests within a short period, it will bring your score down. Therefore, it is advised to spread your credit applications throughout the year instead of making them all at once.

    Building a CIBIL score is a slow process. You need to show consistent repayment behaviour and handle the available credit in a responsible manner to maintain a good score.

    To obtain your credit score and credit report you will need to contact the credit rating agency in India, CIBIL. They will be charges involved to obtain a credit score and credit report. Any individual wanting this report will need to pay an amount of maximum Rs. 500 to obtain this report, the application process with payment applies to both individuals and institutions. Let’s say a bank or financial institutions needs your credit report with your score to check your loan eligibility, even they will need to make a payment for that copy. There are a few websites that will promise to give you, your credit report and score for free, but will ask you to sign up with them or become a member of their website etc.

    Difference between CIBIL Report and CIBIL Score

    A CIBIL report, also known as a Credit Information Report (CIR) is a document listing all your borrowings and repayment histories. The CIBIL score or rating is derived out of this data as well as other variables that affect your financial position.

    CIBIL scores have become the benchmark for credit worthiness in India. While CIBIL was the first Indian credit bureau, other international players have also started providing credit scores in recent years such as Experian Credit Information Company India Pvt Ltd. The importance of credit checks should not be undermined.

    In Detail:

    The credit report is a report that includes your credit score as well as other details on all your financial transactions related to credit. Your credit score is just a part of the report, which has a 3 digit number which will be anywhere in the range of 300 - 900. The credit score is a depiction of your creditworthiness, while your report will include payment history, number of loans, your outstanding balances of any loans, total of your credit limit, loan details of all loans taken from a diverse pool of lenders. The credit report is more like a report card for your credit, and the credit score is like the percentage you get on your report card. The higher your credit score is, the better it is for you. An average score of 750 is considered good for lenders to provide you with good deals and better rates of interest.

    What factors determine CIBIL Score-1

    With the launch of CIBIL Score 2.0, banks will now be able to gauge the creditworthiness and risk of new borrowers. This system provides ranks to customers who have a credit history of less than six months. The risk index is from 1 to 5, with 1 being the highest on the index and 5 being the lowest.

    Banks in India can check this database to assess and evaluate a potential borrower and whether the loan should be approved or not.According to the COO of CIBIL, this new credit scoring methodology can help banks identify 10% increment defaulters easily.

    Here’s how you know where you rank on the new scoring version.

    If your rank is ‘NA’ or ‘NH’:

    • You have no credit history, which means CIBIL has no database dedicated for your financial records.
    • Your credit report only consists of enquiries. This means, potential lenders have checked your report but haven’t approved any loan.
    • No lender or financial institution has reported any information to CIBIL in the last 24 months.

    If your rank is between 1 and 5:

    • Your credit history is relatively new and hasn’t been in the system for more than 6 months.
    • If your score is closer to one, you’re viewed as a risky borrower.
    • If your score is closer to 5, you’re viewed as a responsible borrower.

    To get approved for loans, you will have to maintain a good credit history and a clean financial record. Even though your history is less than six months old, there are certain steps you can take to improve your score and thus, your creditworthiness.

    Clear your outstanding balances on time

    There’s a reason you’re told frequently to pay your dues on time. One late/missed payment reported on your credit history can bring down your score. When you pay your bills before the dues date, you avoid late payment charges and you maintain a good score as well. You also don’t have to deal with compound interest rates.

    Maintain a low credit utilisation ratio

    It’s always important to have a balanced mix of secured and unsecured credit. If you have multiple credit cards and personal loans, it’s viewed negatively by your lender.You could be viewed as a credit-hungry borrower who is unable to manage their debt.

    Minimise your applications

    If you’re constantly applying for new credit, lenders will consider you a risky borrower. This shows that you’re not good at managing your finances. Multiple inquiries within a short span reflected in your report will cause a dip in your score.

    Review your credit report

    Sometimes, lenders or financial institutions may share inaccurate data with CIBIL. This data can affect your score negatively. It’s crucial to go through your report with a fine comb so you can dispute errors, if any.

    How often are CIBIL reports updated

    Lenders will submit all your financial information every 30 to 45 days to CIBIL. This will include your payments, your outstanding balances, delayed payments, and more. If you have borrowed finances from a smaller lender, they might share your information on a quarterly basis.

    Once CIBIL receives this data, they will process it so it reflects on your credit report. Now, if you choose to buy your CIBIL report within 45 days of paying your last dues, you may not receive the updated version. Your report may show incorrect current balances or amounts due.

    What you should do is look for the ‘Date Reported’ section in your report. If the information submitted by your lender is older than two months, and the payment details are still not displayed correctly, you should raise a dispute for the same.

    It’s advised to wait for at least 45 days before you look for your newest report or raise a dispute. Each lender may share their data in their own time. So, even if you clear all your dues for a certain period, these details will not show up on your credit report immediately.

    Now let’s say you have the latest report in hand, but the data is inaccurate. So, you decide to raise a dispute with your lender. For example, you made your credit card payment, but it hasn’t reflected in your report. When you’ve resolved this issue, your lender should ideally share the updated data with CIBIL. If they haven’t, there will not be any change in your report or score. You will then have to contact your lender to submit the details to CIBIL. This is because CIBIL cannot change your report unless your lender reports it. Keep in mind though, if the dispute has been resolved in your favour, it will take up to 90 days to reflect in your credit report.

    It’s important to thoroughly check your CIBIL report and raise disputes if you find any discrepancies.

    FAQs on CIBIL/Credit Score

    What’s a CIBIL score?

    Banks, as part of their due diligence process, gauge the creditworthiness of individuals based on credit scores. The information listed on your credit report includes several variables that CIBIL uses to set your credit score. CIBIL score, therefore, reflects the extent of the probability of a default. An individual’s credit history is submitted to CIBIL by banks and financial institutions on a monthly basis.

    What do high and low credit score determine?

    A high CIBIL credit score essentially means less probability of a default. A low CIBIL credit score reflects high probability of a default.

    How can you get your CIBIL score?

    Log on to the CIBIL website and click on the ‘know your score’ tab to get a personalized credit score. Fill an online form which requires you to include details such as your name, date of birth, income, identity proof, address and phone number, in addition to the loans taken by you. Following payment of a certain sum, you will have to submit authentication details which include questions based on your credit history. After authentication, your credit score will be emailed to you.

    Will opting for a credit card decrease my score?

    If you have a zero outstanding balance on your old credit card, there is no reason to unduly worry about it and close it. If you have a credit card with a clear payment history, it will not only reflect your responsible credit behaviour but also keep your utilization rate low, which impacts your score positively.

    Does zilch credit mean a good score?

    There are many who avoid loans like the plague, hoping that their CIBIL score will then be perfect. Nothing can be farther from the truth. If you do not borrow, you do not have a credit history and, therefore, no credit bureau can assign a score. Consequently, you might find it difficult to get a loan. Timely repayments are of seminal importance to ensure that your score remains above 750.

    How to check CIBIL score without paying fee?

    The fact is, CIBIL does not furnish your CIBIL report or score without levying a fee for the same. There are online websites and tools that offer to estimate your credit score based on certain input parameters but this score is just an estimated figure and not your actual CIBIL score. Actual score can only be obtained by paying the required fee.

    Why is CIBIL score important for customers?

    Credit score is a distinct numeral assigned to each individual based on analysis of his/her credit report. A higher credit score signifies a health credit history and a lower score signifies a bad credit history. Any score between 700 and 900 is considered good while that below 700 needs to be improved in order to come in the good books of lending and banking entities. You CIBIL score depicts your credit-worthiness as a customers and is hence an important numeric figure. This score is looked up by banks when you apply for any credit channel like loan or credit cards.

    How is CIBIL score calculated?

    CIBIL score is calculated by the Credit Information Bureau India limited in conjunction with various registered credit bureaus of the country. The score takes into account your payment history, payment pattern, your existing credit channels and the amount of credit that you own.

    Is it possible for the CIBIL Score to change?

    The CIBIL Score will change based on the various factors such as any change in loan/credit account, credit repayment history, missed payments, etc. The score can also change when your lender carries out a hard check on your credit report. The information collected from various financial institutions and government agencies is received by CIBIL on a monthly basis. These financial institutions and government agencies are liable to provide credit/loan information of an individual to credit bureaus across India. Based on any information regarding a change in your financial creditability will cause the change in your credit score.

    Is there any other credit bureau apart from CIBIL that provides credit score/report in India?

    There are three other credit bureaus in India apart from CIBIL. TransUnion CIBIL Limited is the oldest credit bureau that has been providing the individual credit score to lenders such as banks to check repayment capabilities of an applicant. The credit score generate by TransUnion CIBIL Limited is called a CIBIL Score, however, the credit reports and scores can also be taken from the other three credit bureaus such as - Experian, Equifax, and CRIF HighMark. They collect the financial information of an individual from various financial institutions and establishments to calculate and generate the credit scores and reports.

    What is Credit Information Report (CIR) and how it different from CIBIL Score?

    Credit Information Report (CIR) is the complete summary of your credit history based on the last 5-7 years of credit and loan accounts. The CIR also contains personal and credit/loan account details including the inquiries’ made by lenders for your credit/loan application. The CIR is a record of your EMI repayments and/or credit card payments. The CIBIL Score is a part of the CIR. The score is an indication of your credit/financial health that is calculated based on the various factors that prepare the CIR.

    Who can access your CIBIL Score?

    Your CIIBL Score can only be accessed by CIBIL Members such as certain banks, your lender, you, and other authorized establishments. These members are required to access the credit report/score only when you apply for a loan or a credit product. Apart from the banks, you can access your credit report/score by making a payment either to CIBIL or to any other credit bureaus.

    How can I check my CIBIL Report?

    You can request for your CIBIL report by visiting the www.cibil.com. You will need to enter personal details such name, PAN card number, date of birth, gender, etc, clear the personal verification process, and make a fee payment in order to access your credit report. CIBIL provides credit reports online as well as a physical copy of it that is sent to your address. Currently, you can access your CIBIL report for free by requesting for it under the once a year 'free' offer.

    Why are the PAN card details required to check the CIBIL Score?

    PAN Card is one of the unique identifiers that is related to all types of financial activities. Whether you are opening a bank account, transacting for a higher value, or taking a loan or credit card, PAN card is required for all these types of application. The credit bureaus in India use PAN card as the major tool that helps in identifying individuals when they are requesting for their credit report. If you are planning to obtain your credit report/score, make sure that you have your PAN card details with you.

    How can I get the CIBIL Score for free?

    If you are requesting for your CIBIL for the first time in a year, you can get it for free. CIBIL offer once a year free credit score upon requests. There are no other websites that can provide you with the CIBIL Score for free. You will need to visit the CIBIL website www.cibil.com in order to request for your credit score/report.

    How CIBIL gets the information of your credit/loan history?

    The CIBIL Members such as banks and other government agencies provide financial information of an individual on a monthly basis to CIBIL in exchange for the access to the credit reports and score prepared by CIBIL for determining their loan/credit applicant's financial credibility. CIBIL collects your financial information related to loans and credit accounts from your bank.

    Will there be any impact to my Credit Score when I check?

    No. When you requesting for your own credit score/report, this is considered to be a soft check that doesn't have any impact on the credit score. But when you apply for a loan/credit, and your lender carries out a check, that'll be considered as a hard check. A hard check can impact your credit score negatively. If your loan application gets rejected, it is advisable not to immediately check with other banks, more hard checks can cause further damage to your credit health.

    Why do the lenders need to check the CIBIL Score?

    While reviewing the loan/credit applications, it becomes essential for the banks to consider the repayment capability of an individual. The credit score and report helps the lenders determine the repayment capabilities of an individual. By referring to the credit score, the banks can identify the applicant repayment habits and decide whether the application can be approved or rejected. The CIBIL Score can be one of the deciding factors involved in determining the interest rate, credit limit, and other essential parts of the loan/credit account.

    What kind of credit/loan account details are included in the credit report?

    A credit report will contain details of your credit and loan accounts. Even if you have closed a credit/loan account in the past, the credit report will include details of that account. The report will show the total credit/loan amount, EMI details, missed/late payment, lender’s name, and other related information. There could be instances where the details entered in the credit report are incorrect, you are advised to get in touch with the credit bureau to remove the incorrect details.

    How to remove errors or incorrect entries from the CIBIL Credit Information Report (CIR)?

    If you have reviewed your Credit Information Report (CIR) and found errors or incorrect entries, you can get in touch with TransUnion CIBIL Limited directly to get it corrected. TransUnion CIBIL Limited will review your request and make necessary changes on receipt of a nominal fee. If you are planning to apply for a home loan, credit card or any other loan/credit product, you are advised to review your CIR so you can fix errors and get your credit score/report updated. You can file a dispute for the scrutiny of the information on your CIR, the credit bureau will carry out a check and update the CIR accordingly.

    Is it possible for CIBIL to delete or amend my credit information independently?

    CIBIL is not allowed to delete or make any changes to the Credit Information Report (CIR) independently. CIBIL collects information from banking as well as non-banking financial companies to prepare CIR. The CIR might have incorrect entries or incorrect details that are collected from the CIBIL members, in that case, once you contact CIBIL to rectify the error, they will obtain clearance from the members along with necessary documents to make changes to the CIR. Hence, you are advised to review your CIR periodically to ensure your credit score is up to date.

    What is CIBIL 2.0?

    CIBIL 2.0 is a new scoring model that TransUnion CIBIL Limited uses to calculate the credit report for individuals. Individuals with a new credit history of 6 months or lesser are assigned a score based on the risk factors involved in lending to new borrowers. The CIBIL 2.0 offers a risk index of 1-5 to individuals with new credit history, the higher the number, the risk of defaulting is lesser. The CIBIL 2.0 is designed to match the current economic and credit trends.

    How can the CIBIL Score affect my application for a new loan or a credit card?

    Currently, when an individual applies for a loan or credit card, the lender (bank) will carry out a credit report/check to make sure the borrower has a positive record of credit repayment. The bank may refer to any of the credit bureaus to obtain a CIR of an individual. Based on the credit score, the bank may decide to approve your reject your credit/loan application. Though the credit score is not the only factor that decides whether your loan/credit is getting approved or not, it is one of the important factors that your lender will look into. A poor credit score will have more chance of loan application rejection compared to a healthy credit score.

    What is a good CIBIL Score?

    The CIBIL Score ranges from 300 to 900 where 300 being a bad credit score to 900 being the best. A CIBIL credit score of 750 and above is considered to be a good score and has more chances of the loan application getting approved. If your credit score is bad, there are various methods that you can use to improve the score.

    What is minimum CIBIL score required for the approval of personal loans?

    The banks and Non-banking Financial Companies (NBFC) do not publish the minimum credit score required for loan approvals, however, they do look into your credit score to make their credit lending decisions. A CIBIL score of 750 and above is considered to be a good credit score, however, the approval will still depend on other factors such as loan amount, employment status, credit history, etc. It is recommended to review the credit score periodically so you can identify the factors that are improving or decreasing your credit score. A credit score that is close to 900 has more chances of a loan application getting approved.

    What is minimum CIBIL score required for the approval of home loans?

    Since banks and NBFCs are not required to publish the minimum threshold of a credit score for home loans, you are recommended to review your credit report/score and take necessary steps towards improving it. The credit score/report is a part of the loan application review, the banks have the liberty to take an independent decision based on their records as well.

    For how long CIBIL keeps the record of the defaulters?

    CIBIL is not required to publish the record of the defaulters, however, the CIBIL CIR contains the details of the defaults of a particular individual. The details of such defaults are on record for a maximum of seven years. Any information that is over seven years old is not included in the CIR.

    News About CIBIL Credit Score

    • Fintech startup Progcap secures $5 million in Series A funding

      Progcap, a fintech startup that offers credit to small and micro businesses has raised Series A fuding worth $5 million. The latest round of the funding was led by Sequoia India. The startup plans to use the raised capital to strengthen operations and technological infrastructure, as well as accelerate expansion around the country.

      Other investors in the funding round were MV Nair, Chairman of CIBIL, Sandeep Tandon, former founder of Freecharge. Existing investors GrowX Ventures Fund and Somak Ghosh also took part in the latest round of funding.Progcap is a financial technology company which facilitates debt capital for underserved micro and small businesses in India. It was founded by Pallavi Shrivastava and Himanshu Chandra in 2017.

      The Delhi-based startup leverages its Last Mile Retailer Finance solution to enable access to collateral-free loans to retailers. This helps the company reach retailers operating in semi-urban and rural areas in India. The company is targeting borrowers from Tier-II, III, and IV areas, where retailers typically face challenges in accessing capital for their businesses. India has achieved the second spot globally with largest number of financial technology (fintech) startups, according to a report.

      1 August 2019

    • RBI Panel Suggests Expert Committee to Look after MSME

      In a bid to give micro, small and medium enterprises (MSMEs) a necessary push, a special Reserve Bank of India (RBI) panel has recommended establishing a Rs.5,000-crore distressed assets fund. The fund will set up a non-profit special purpose vehicle (SPV) to support crowd-funding, and double the limit for banks to extend loans without collateral to Rs.20 lakh. The main aim of the panel is to pave the way for conducive business ecosystem for MSMEs. As per a report by the Business Standard, the committee has suggested that more NBFCs be onboarded on the trade receivable platform (TReDs) of the RBI. The panel has also recommended to set up a National Council for MSMEs at the apex level for convergence of policies and creating a promotional ecosystem.

      The committee has suggested tweaks the MSMED Act to ensure timely payments to MSEs owing to the problems faced by them related to delayed payments. The expert committee on MSMEs is headed by former SEBI Chairman UK Sinha. The Committee recommended that the amended Act should ensure that all MSMEs should mandatorily upload their invoices above an amount to be specified by government, from time to time, to an Information Utility. Furthermore, the committee recommended that the government should make it mandatory for PSUs/ government department to procure from MSEs up to the mandated target of 25 per cent through the GeM portal only.

      28 June 2019

    • Bad loans worth Rs.70,000 crore recovered in FY19 by IBC process: CRISIL Report

      As per a latest report from CIBIL, bad loan recoveries in FY19 through the Insolvency and Bankruptcy Code (IBC) route stood at Rs.70,000 crore. The recovery rate was 43% which was twice the Rs.35,500 crore recovered through previous resolution mechanisms like the Debt Recovery Tribunal and Lok Adalat, added the credit information company.

      By FY2018-19, the recovery rate for the 94 cases resolved through IBC is 43%, as against 26.5% via earlier resolution mechanisms. As of March 2019, the number of outstanding cases under the IBC process is 1,143, of which 32% cases are pending beyond the 270-day period slotted for the corporate insolvency resolution process. As per a report available on the Insolvency and Bankruptcy Board of India (IBBI) website, almost Rs 2.02 lakh crore of debt pertaining to 4,452 cases were disposed of even before admission into the IBC process. According to the agency, the IBC has shifted the balance of power to the creditor from the borrower. There are a few big-ticket accounts for which resolution has not been finalised for over 400 days. According to CRISIL estimates, the banking sector’s gross NPA has recorded a decrease to 10% as of March 2019, from 11.5% the year before.

      20 May 2019

    • ICRA Downgrades YES Bank’s Long-term Bonds

      Credit rating firm ICRA has downgraded YES Bank’s long-term bonds. The ratings agency downgraded the private lender’s tier-I and tier-II bonds and infrastructure debt owing to the deterioration in the credit quality of large ticket borrowers. The ratings were slashed for six instruments totaling borrowings more than Rs.33,000 crore by the lender. ICRA downgraded YES Bank’s tier-I bond from "AA-" to "A" and tier-II bonds from "AA" to "AA-". The outlook on the both the bond is negative.

      The credit rating agency stated that the private lender’s ability to resolve below rated advances in a timely manner will remain a key driver of its asset quality, profitability and capital position. The latest downgrade to the long-term bonds comes after ICRA had slashed the long-term ratings of Yes Bank in November last year. For the quarter ended 31 March 2018, Yes Bank reported a net loss of Rs.1,506 crore as compared to the profit of Rs.1,179 crore for the corresponding period a year ago. The private sector bank recorded a profit of Rs.1,720 crore, as against Rs.4,224 crore in FY18.

      9 May 2019

    • SC Strucks Down RBI’s Circular on Resolving Bad Debt

      The Supreme Court (SC) has rejected the Reserve Bank of India’s (RBI) circular from 12 February 2018 which talked about loan defaults. This move is expected to bring relief to lenders, improve the process of recovering money, and bring flexibility to restructure debts. However, it is also expected to slowdown bankruptcy proceedings, stated a PTI report. As per the SC, the circular was ‘ultra vires’ , this means it went beyond the scope of what the RBI can do in terms of making up rules and regulations.

      On 12 February 2018, the RBI had issued a circular on the resolution of stressed assets revised framework. It stated rules for banks that they have to immediately start working on a resolution plan for accounts worth more than Rs.2,000 crore, which was to be finalised within 180 days. In case of non-implementation, lenders were required to file an insolvency application.

      Talking about the latest decision of the SC, ICRA senior vice president Sabyasachi Majumdar said the decision will result a further slowdown the state of stressed assets in the power sector. Meanwhile, Srikanth Vadlamani, Vice President, Financial Institutions Group, Moody’s Investors Service, said the February 12 circular had tightened stressed loan recognition and resolution for large borrowers in a stricter way. The circular also withdrew the loan resolution mechanisms the RBI had implemented, such as Corporate Debt Restructuring and Strategic Debt Restructuring. Meanwhile, audit firm EY India said the SC ruling will raise significant questions around the timely reporting and resolution under the Insolvency and Bankruptcy Code (IBC).

      4 April 2019

    • BNP Paribas-owned Sharekhan could Surrender License

      Owing to the crisis in the NBFC lending industry, BNP Paribas is planning to sell its NBFC business, according to a latest report. The French banking group' was looking forward to expand its NBFC business via its NBFC company Sharekhan which was acquired in 2016. The change in the plans to launch the business comes after the Infrastructure Leasing & Financial Services (IL&FS) debt fraud. Sharekhan has already secured a license for starting the NBFC and even hired more than 100 employees. The NBFC was set to be launched in December. Along with slashing the plans to not launch the NBFC arm, the company could be eventually looking to sell its license. In all, the IL&FS group owed over Rs.91,000 crore.

      The IL&FS group defaulted on inter-corporate deposits and commercial papers worth around Rs.450 crore. Over the next 2-3 months, at least two rating agencies downgraded the company's long-term credit rating. In September 2018, ICRA and CARE credit rating agencies downgraded non-convertible debentures of IL&FS to BB from AA+.

      7 March 2019

    • Bharti Airtel’s credit rating downgraded to junk by Moody’s

      Moody's Investors Service has downgraded the credit rating of Bharti Airtel for the first time. The credit rating agency has downgraded the telecom operator’s status to Ba1 from Baa3. The Ba1 rating is a non-investment grade rating, or junk rating. In addition, Moody’s has also downgraded the backed senior unsecured notes issued by Bharti Airtel’s African arm by taking into consideration the uncertainty around the company's profitability, cash flow situations and debt levels. The downgrade reflects uncertainty as to whether or not the company’s profitability, cash flow situation and debt levels can improve sustainably and materially, given the competitive dynamics in the Indian telecom market. 

       The credit rating agency estimated that the profitability of Bharti's Indian mobile segment will remain low over the next several quarters. Credit ratings reflect the company's ability to repay debt and raise funds. Ratings range between Aaa, which means best, to lowest category C. Ba1 rating means obligations are judged to have speculative elements and are subject to substantial credit risk but have a superior ability to repay short-term debt obligations. Bharti Airtel reported EBITDA of Rs.26,500 crore for the 12 months ending 31 December 2018, representing a 15.5% year over-year (YoY) contraction. The telco’s profitability of its core Indian mobile segment which contributes around 37% of EBITDA remained low, generating just Rs.9,800 crore over the same period. Last week, the company’s share price dropped 72% in consolidated net income for the three months ended December 2018 at about Rs.86 crore

      5 February 2019

    • Finway rolls out Credit Inclusion Secured Loan

      In a bid to offer a second chance to defaulters to have a healthy credit score, Finway has launched ‘Credit Inclusion Secured Loan’. The company will offer an opportunity to defaulters to improve their credit score and provide secured loans to the borrowers on the basis of a clear marketable property. Rachit Chawla, founder and CEO of Finway said, the new loan will help them improve their poor credit scores via paying EMIs on time. The platform aims to give defaulters an opportunity to change their past records and work towards a better credit future. It will also help them apply and get funds from other financial institutions. At present, lenders like banks and non-banking finance companies lend money to consumers only after checking their credit score and avoid all the defaulters who have not been able to pay their EMIs in the past. However, with simple steps like paying bills on the time, having low credit exposure, not closing old accounts, maintaining good balance of credit mix, and limiting multiple credit inquiries, you can maintain a heathy credit score. With Credit Inclusion Secured Loan, Finway is looking to offer people with a poor credit record, get back on the track and improve their credit score.

      10 January 2019

    • Here’s how short-term loan can boost your CIBIL score

      CIBIL score is a numerical representation of your creditworthiness. It ranges between 300-900, 900 is the highest score. Credit bureaus like TransUnion CIBIL compute your CIBIL score after taking into consideration various factors like your credit history, payment behaviour, the total amount of debt, credit inquiries and others. If your credit score is 700 and above, you are eligible for loan and credit card as well other benefits associated with it. If your credit score is low, there are several ways to improve it. For starters, you should start paying bills/ EMIs on time and also limit your credit exposure to 20-30%. Another way to boost your CIBIL score is to take a short-term loan. It helps if your credit history has a good balance of credit mixes.


      A personal loan is a great resource that can come in handy in case of any financial emergencies. You can easily avail a personal loan as it requires less paperwork and does not need any security. If you manage personal loans in a systematic way, they can help you to bump your CIBIL score. Moreover, personal loans are easier to get and are also cheaper than credit cards as the latter comes with heavy annual/joining fees. Also, it becomes easier to manage just one EMI instead of multiple. As you regularly make payments towards the personal loan, the CIBIL score would gradually recover and increase.


      Other ways to increase your CIBIL score is by making sure there are no errors in your credit report and by keeping a tab on your score from time-to-time. It is advised to consolidate debt as it makes it easier to clear off all your existing debts. Lastly, you should not close your old credit cards as they may have a long credit history and good repayment behaviour.  

      24 December 2018

    • RBI shortlists TCS, Wipro, IBM to set up Public Credit Registry

      In a bid to set up the Public Credit Registry (PCR), the Reserve Bank of India (RBI) has shortlisted six major IT companies - Capgemini Technology Services India, Dun & Bradstreet Information Services India, and Mindtree Ltd, TCS, Wipro and IBM India. The (PCR) will take help of these companies to take out details of all borrowers and wilful defaulters. The latest move comes from the RBI to safeguard the interest of borrowers as well as speed up the credit growth in the banking system. All the aforementioned six companies will now share their proposals to the RBI.


      The PCR will also include data from entities like market regulator SEBI, the corporate affairs ministry, Goods and Service Tax Network (GSTN) and the Insolvency and Bankruptcy Board of India (IBBI) to enable banks and financial institutions to get a 360-degree profile of the existing as well as prospective borrowers on a real-time basis.

      With an aim to tackle the information asymmetry in the economy, the RBI had had announced to set up a PCR for India in June this year. The move also was aimed to foster access to credit and strengthen the credit culture in the country’s economy. Prior to this, the RBI had put together a high-level task force to review the current availability of information on credit, the adequacy of the existing information utilities, and to identify gaps that could be filled by a PCR. The PCR would be the single point of mandatory reporting for all material events for each loan, notwithstanding any threshold in the loan amount or type of borrower. At present there are four privately owned credit information companies (CICs) operating in the country. The RBI has mandated all its regulated entities to submit credit information individually to all four CICs.

      23 December 2018

    CIBIL- Sitemap

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Credit Report Reviews

    • Experian Credit Report
      0.5 5.0/5 "Blown Away!"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 64
      Reviewed on Aug 21, 2019
    • Experian
      Experian Credit Report
      "Good place to take personal loans and credit card"
      0.5 2.5/5 "Just OK"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 62
      Reviewed on Aug 14, 2019
    • Experian Credit Report
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 102
      Reviewed on Jul 11, 2019
    • Experian Credit Report
      "Test Review For CT"
      0.5 4.5/5 "Excellent!"
      Was this review helpful? 111
      Reviewed on Jul 04, 2019
    • Experian Credit Report
      "Need to provide reward points and cash back"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 123
      Reviewed on Jun 26, 2019
    • Experian Credit Report
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In Axis bank, i don't get any offers. 2 years ago, i have started using the card and my credit limit very good which is Rs. 90000 after the usage, they have reduced upto Rs. 42000 and every six month they are enhancing the limit. They are not sending the offers hence i'm planning to close the card by next month since lots of cards are not required.
      Was this review helpful? 115
      Reviewed on Jun 24, 2019
    • Experian Credit Report
      "SBI bank Credit card"
      0.5 4.5/5 "Excellent!"
      I came SBI card through bank bazar online, I want a best credit cards for me , in bank bazar website I found a SBI card based on my credit score & this card are give me best rewards points , I'm using this card from 2 year & I give best thankful to bank bazar because his customers service is superb.
      Was this review helpful? 134
      Reviewed on Jun 11, 2019
    • Experian Credit Report
      0.5 5.0/5 "Blown Away!"
      I need to share my experience how I evicted all collection on my report. I paid off my hospital bills from the collection agency that the hospital sent me to and the collection refuse to remove from credit. I am trying to get a house. I have called the collection agency and they didn't remove it, so what do i do. It paid off and i want this collection remove. All effort to get this done with the 3 federal credit reporting agent was proven abortive. I did some research and found this credit repairer Global Technologies. I sent a mail to his G mail (globaltechnologies46 at G mail com) how he could get me out of these mess!! He replied and explain in details how he will evict all collection on my report. He did a wonderful job for me.
      Was this review helpful? 141
      Reviewed on May 10, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      Credit Report is providing a ease way to understand my cibil score and it is providing me an opportunity to apply for n number of banks. It is super good and i find it very cool and comfortable. Having perfect design, user friendly and accurate with more information..
      Was this review helpful? 170
      Reviewed on May 08, 2019
    • Experian Credit Report
      "Review of Credit Report"
      0.5 5.0/5 "Blown Away!"
      The credit report gives an excellent indication of my credit situation. The reports are updated with a lag. So, the exact credit situation is only reflected after a couple of months. Nevertheless, experience is good. The graphical representations are also good.
      Was this review helpful? 166
      Reviewed on May 04, 2019
    • Experian Credit Report
      "Ease of use, quick access and detailed report"
      0.5 3.5/5 "Pretty good"
      Recently I was about to apply for a loan and found bankbazaar through a search engine. Wanted to check my eligibility and credit score before i wanted to proceed further, Bankbazaar made it easy as they have all solutions in one platform. Im extremely satisfied with the services.
      Was this review helpful? 171
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 5.0/5 "Blown Away!"
      Awesome Service on credit report which is updated all the time. Very accurate and perfect. I could check and apply for various financial products. Keep it Up Bank Bazaar Team........................................................
      Was this review helpful? 160
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 152
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      " My credit card is not show my security is very good"
      0.5 5.0/5 "Blown Away!"
      Credit card is not show my credit card is very good please help my credit card I have interest credit card please give me credit card I have happy it card miss you me please credit card me I have not credit card please give me credit card thanks give me card
      Was this review helpful? 150
      Reviewed on Apr 29, 2019
    • Experian Credit Report
      "credit report"
      0.5 5.0/5 "Blown Away!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 159
      Reviewed on Apr 25, 2019
    • Experian Credit Report
      "Excellent Service by Bank Bazaar"
      0.5 5.0/5 "Blown Away!"
      I could find bank bazaar to be very convenient in checking my credit score for applying any loan or an application for credit cards. Also after keying all the details the bank bazaar people wont disturb. Whenever there is an offer you will get a text regarding the information. Thanks for getting my accurate Credit score
      Was this review helpful? 159
      Reviewed on Apr 23, 2019
    • Experian Credit Report
      "Experian credit report"
      0.5 5.0/5 "Blown Away!"
      I checked my credit score in bankbazaar web site ,it has given score with in span of seconds. I wondered ,it is free of cost for checking. It is really a wonder. Congrats to bankbazaar team members . Thanks a lot once again to all bankbazaar team members
      Was this review helpful? 183
      Reviewed on Apr 05, 2019
    • Experian Credit Report
      "Realiable credit score"
      0.5 4.5/5 "Excellent!"
      I checked my credit score in bank bazar website. It gave instantly with all my banking past history. It was very much useful. It helped me know my credit status report at no cost . It only required few hassle free clicks and that over.Really appreciable!
      Was this review helpful? 191
      Reviewed on Mar 24, 2019
    • Experian Credit Report
      "Credit Score Tracking"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar features from last few years. Service provided by bankbazaar is good when compared to others in the market . Customer service is good and their response is good. One step solution for all you banking needs . A periodic tracking of your credit score is maintained well and kept updated in email as and when new scores arrive .
      Was this review helpful? 204
      Reviewed on Mar 08, 2019
    • Experian Credit Report
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Thanks I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
      Was this review helpful? 195
      Reviewed on Mar 02, 2019
    Common Loader Icon
    This Page is BLOCKED as it is using Iframes.