How to Check CIBIL Score – Step by Step Guide
Introduction: CIBIL Score Kya Hota Hai Aur Kyun Important Hai?
Aaj ke time mein agar aap loan, credit card ya EMI par koi cheez lena chahte ho, to sabse pehle bank ek cheez check karta hai – aapka CIBIL Score.
Ye score aapki financial discipline ko show karta hai.
Bahut se log CIBIL score ka naam sunte hain, lekin ye clear nahi hota ki:
- CIBIL score hota kya hai
- CIBIL score kaise check kare
- Free mein CIBIL score kaise dekhe
- Low CIBIL score ho to kya problems aati hain
Is article mein CIBIL score se related har cheez detail mein, simple Hinglish mein samjhai gayi hai.
CIBIL Score Kya Hota Hai?
CIBIL Score ek 3-digit number hota hai jo 300 se 900 ke beech hota hai.
Ye score aapki credit history ke basis par calculate hota hai.
Credit history ka matlab:
- Aapne kaun-kaun se loan liye
- Credit card use kiya ya nahi
- EMI aur bills time par pay kiye ya nahi
- Kitni baar loan ya card ke liye apply kiya
👉 Jitna zyada score, utna better financial profile.
CIBIL Score Range Aur Unka Meaning
| CIBIL Score Range | Category | Meaning |
|---|---|---|
| 300 – 549 | Poor | Is range mein score hone par loan ya credit card milna kaafi mushkil hota hai. |
| 550 – 649 | Fair | Approval mil sakta hai, lekin interest rate zyada hota hai. |
| 650 – 749 | Good | Normal loans aur cards easily mil jate hain. |
| 750 – 900 | Excellent | Best category. Low interest rate aur fast approval milta hai. |
CIBIL Score Kaun Calculate Karta Hai?
India mein CIBIL score calculate karta hai:
- TransUnion CIBIL
Iske alawa aur bhi credit bureaus hain:
- Experian
- Equifax
- CRIF High Mark
Lekin maximum banks aur NBFCs TransUnion CIBIL score ko hi priority dete hain.
CIBIL Score Kaise Check Kare – Free Mein
Method 1: Official CIBIL Website Se
Ye sabse trusted aur direct method hai.
Step 1:
CIBIL ki official website open kare –
https://www.cibil.com
Step 2:
“Get Your Free CIBIL Score” par click kare
Step 3:
Apni personal details fill kare:
- Full Name
- Date of Birth
- Mobile Number
- PAN Card Number
- Email ID
Step 4:
Mobile par aaya OTP verify kare
Step 5:
Verification complete hote hi screen par aapka CIBIL score aur report show ho jayegi
Important Point:
Is method se aap saal mein 1 baar free CIBIL score check kar sakte ho.
Method 2: Bank Website Ya Bank App Se CIBIL Score Check Kare
Aajkal kaafi banks apne customers ko free CIBIL score check karne ka option dete hain.
Popular Bank Apps:
- SBI Card App
- HDFC Bank App
- ICICI Bank App
- Axis Bank App
Steps:
- Bank app login kare
- “Check CIBIL Score” option select kare
- PAN aur registered mobile number enter kare
- OTP verify kare
- CIBIL score screen par show ho jayega
Benefits:
- Free service
- Instant result
- Monthly update option
Method 3: OneScore App Se CIBIL Score Kaise Check Kare
OneScore app India mein kaafi popular ho chuki hai.
Steps:
- Play Store se OneScore app install kare
- Mobile number se signup kare
- PAN card details enter kare
- OTP verify kare
- App par CIBIL aur Experian dono scores dikh jayenge
Features:
- Completely free
- No spam calls
- Detailed credit report
Kya PAN Card Ke Bina CIBIL Score Check Ho Sakta Hai?
Nahi.
CIBIL score check karne ke liye PAN card mandatory hota hai.
Reason:
- PAN se hi aapki credit history track hoti hai
- Accurate credit data bina PAN possible nahi hota
CIBIL Report Mein Kaun-Kaun Si Details Hoti Hain?
CIBIL score ke saath ek complete credit report bhi milti hai.
CIBIL Report Includes:
- Personal information
- Loan accounts (home loan, personal loan, etc.)
- Credit card details
- EMI payment history
- Late payment records
- Defaults aur write-off accounts
- Credit enquiries
Credit Enquiry Kya Hoti Hai?
Jab bhi aap:
- Loan ke liye apply karte ho
- Credit card ke liye apply karte ho
To bank aapka CIBIL score check karta hai. Isse Hard Enquiry kehte hain.
Hard Enquiry Ka Effect:
- Zyada hard enquiries se CIBIL score gir sakta hai
- Frequent loan applications negative signal deti hain
CIBIL Score Kam Hone Ke Main Reasons
- EMI Late Pay Karna
Payment history CIBIL score ka sabse important factor hota hai. - Credit Card Limit Zyada Use Karna
Agar aap credit limit ka 80–90% use karte ho, to score down hota hai. - Loan Default
EMI bilkul pay na karna score ko kaafi nuksaan pahunchata hai. - Settlement Ya Write-Off
Settlement ke baad bhi record CIBIL report mein rehta hai. - Zyada Loan Applications
Har hard enquiry score ko thoda kam karti hai.
Low CIBIL Score Improve Kaise Kare?
- EMI Aur Credit Card Bill Time Par Pay Kare
Consistent on-time payments score improve karte hain. - Credit Utilization Control Kare
Hamesha 30% se kam limit use karne ki koshish kare. - Purane Credit Cards Band Na Kare
Old cards credit history strong banate hain. - Settlement Avoid Kare
Agar possible ho to full payment kare. - Credit Report Regularly Check Kare
Galat entries ya errors ko timely dispute kare.
CIBIL Score Improve Hone Mein Kitna Time Lagta Hai?
- Small issues: 3–6 mahine
- Serious defaults: 12–24 mahine
CIBIL score improvement ek slow process hai, consistency bahut zaroori hai.
Kya CIBIL Score Check Karne Se Score Kam Hota Hai?
Nahi.
Khud ka CIBIL score check karna Soft Enquiry hota hai aur isse score par koi effect nahi padta.
Sirf bank ya lender ke through hone wali hard enquiry se score impact hota hai.
Student Ka CIBIL Score Hota Hai Ya Nahi?
Agar student ke naam par:
- Education loan
- Credit card
- BNPL services
active hain, to student ka bhi CIBIL score hota hai.
CIBIL Score Aur Credit Score Mein Difference
India mein CIBIL score ek type ka credit score hi hota hai.
Bas fark itna hai ki CIBIL ek specific credit bureau ka score hai.
CIBIL Score Regularly Check Karna Kyun Zaroori Hai?
- Loan eligibility samajhne ke liye
- Fraud ya galat loan entry pakadne ke liye
- Credit profile improve karne ke liye
- Better interest rate ke liye
Conclusion
Aaj ke financial system mein CIBIL score aapki credibility decide karta hai.
Chahe personal loan ho, home loan ho ya credit card – sab kuch CIBIL score par depend karta hai.
Agar aap time par payments karte ho, credit limit control mein rakhte ho aur unnecessary loans se bachte ho, to CIBIL score automatically strong hota chala jata hai.
Is detailed guide se aapko clearly samajh aa gaya hoga ki CIBIL score kaise check kare, wo bhi free aur safe tarike se.
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