Four bureaus issue scores in India: CIBIL, Experian, CRIF High Mark, and Equifax. Each gives you one free full report per year.
CIBIL & score
How CIBIL and credit score work
A credit score is a number that reflects how responsibly you have handled credit over time.
Get started
Help us show the right starting point
Choose what fits you so we can show simpler examples and safer next steps on this visit.
Where you stand
🔨 Building
Add your income above to see a firmer verdict. We never store this unless you opt in.
Why
- Tell us a bit about your income to see where you actually stand.
Your 90-day plan
- Open one starter product — a secured or FD-backed card (deposit ₹10–20k, get a similar limit). Just one; don't stack.
- Use it small and pay the full statement before the due date every cycle. Keep usage under 30% of the limit.
- Never miss a payment — on a thin file, a single miss hurts the most. Set autopay for at least the minimum as a safety net.
- Don't apply anywhere else during these 90 days — avoid clustering hard pulls.
- At about day 90, re-check your readiness here. Six-plus months of on-time, low-usage behaviour is what graduates you to Ready.
Paying late, missing EMIs, and using too much of your credit limit can hurt your score.
If you are new to credit, starting small and paying on time matters more than chasing a big limit.
If your report shows an error, you can raise a free dispute on the bureau's website. By RBI rules the bureau and the lender must respond within 30 days.
No score yet does not mean bad. It usually means you are just starting your credit journey.
CIBIL score
A number lenders may use to understand how you have managed credit earlier. Range is 300 to 900; above 750 is generally seen as healthy.
If you paid small dues on time regularly, your score may build gradually.EMI
A fixed monthly loan payment.
If your EMI is Rs. 3,000, you need to pay that amount every month.Credit limit
The maximum amount you can use on a credit card.
If your limit is Rs. 20,000, spending Rs. 18,000 is very high usage. Try to stay under 30 percent.APR
Annual Percentage Rate — the true yearly cost of a loan including processing fee, GST and other charges. Always compare APR, not the interest rate alone.
A loan with 12% interest plus 3% fees often has APR closer to 18%.KFS
Key Fact Statement — a one-page summary of a loan's full cost the lender must give you before you sign. Mandatory under RBI rules for new retail and small-business loans from October 2024 (credit cards instead give an MITC).
If a lender refuses to share the KFS, treat that as a red flag and walk away.