Check your CIBIL Score & Report absolutely FREE in next 2 minutes.

cibil illustration

Already checked your score before? LOGIN To see your detailed CIBIL Report.


Give your details to CIBIL to get an accurate score

Contact Details

Whenever you apply for a loan or a credit card, the first thing that the lender does is to check CIBIL score by PAN Card. It is only on the basis of CIBIL report, the application is further processed or declined. Wishfin being CIBIL's official partner gives you this opportunity to check your CIBIL/Credit score for free! Now, as an applicant what you must know is - what is CIBIL credit report, how is it made, what is a CIBIL score and how to check CIBIL score in order to avail the credit facility.

How to Check CIBIL Score Online

To get free CIBIL score online the customer can login on the official website of the credit agency and request for the report. Also, to get the report the customer has to furnish the required documents. It is only after the verification of documents that the customer will receive the CIR through email. The report will be sent within a day.


However, there is an easy and quick alternate where you can check CIBIL score by PAN Card only and no other documentation is required. Moreover, you don’t have to pay any fees and get free credit health check. It is not necessary that only the Bank or financial institution can check the CIBIL score. An individual too can check CIBIL score and get the CIBIL/Credit report online at Wishfin. Just follow the simple steps mentioned below:

How to check CIBIL score by PAN Card?

  • To check credit score open the CIBIL page at
  • Enter your Name as per PAN Card, Date of Birth, Gender and PAN Card number
  • Provide your contact details which include current residence address, email ID and mobile number.
  • Agree to the terms and condition
  • Click on submit button

What is a CIBIL/Credit report?

CIBIL report is a single unified document that contains the credit history across different lenders over a significant period of time. It is a comprehensive report that provides the details of an individual’s or corporate entity’s borrowing history and repayment record. The CIBIL report includes the following information:

  • Personal details of an applicant (name, age, gender and address)
  • Employment details and earnings
  • Number of hard enquiries made by potential lenders on receipt of the loan/credit card application
  • Record of previous and current loans along with the payment record
  • Any defaults on loan
  • The details of settled loans, if any
  • Total credit limit and the amount spent monthly (Credit Utilisation Ratio)
  • Any credit card payment defaults
  • Credit score

This report provides the future lenders with the detailed information of the applicant’s creditworthiness on the basis of previous and current credit behaviour. Based on the credit report the lenders take the lending decision.

How is CIBIL Report Generated?

Credit Information Bureau of India Limited (CIBIL), India’s first Credit Information Company collects and maintains the records of individual’s and non-individual’s (commercial entities) credit related transactions such as loans and credit cards. These records are provided by banks and other lenders on a monthly basis to the Credit Bureau. Using this information a Credit Information Report (CIR) and Credit Score is developed. This enables the lenders to evaluate and approve loan applications based on the past record.

What is CIBIL Score or Credit Score?

A credit score or the CIBIL score is a 3 digit numeric summary of the credit history. The score ranges between 300 and 900 and is derived using the credit history as found in the CIR. It is an important component of the credit profile that gives potential lenders a quick idea of an applicant’s loan eligibility. There are three established credit rating agencies in India namely - CIBIL, Equifax and Experian that issue credit scores.

How is credit score calculated?

The member banks and financial institutions monthly report the details related to credit activity of the customers to the bureaus. This includes data of each loan or credit card repayment made by the customer during the period and even the late or skipped payments. The report comprises of new loan applications, interest rate, credit limit on card, the status of all loan accounts including those ‘written-off’ or ‘settled’ or ‘closed’. After the complex statistical analysis of the provided information credit score is calculated. If credit payment is done on time then the score is good. The candidates with high credit score have the better chances of getting a loan or credit card.