Check Free CIBIL Score Online

How to Check CIBIL Score Online?

check CIBIL Score online

Highlights

  • Check CIBIL Score Online at Wishfin for free.
  • Check Your CIBIL Score with PAN.

In the latest monetary policy meet held on March 24-27 2020, the RBI has decided to give a 3-month moratorium period for all outstanding loans as on March 1, 2020. Remember, this is not an EMI WAIVER. The move is in line with the economic pressures induced by the Coronavirus outbreak. So, this could mean some savings for you on your loan and help you deal with the likely situation of less or no income. Your credit score will not reduce if you don't pay the EMI. But doing so can raise your interest liability as banks would like to cover their losses, which is likely to be the case on deferred EMI payments, by increasing the interest component of the EMI after the moratorium period gets over. So, if you have the money, keep paying to reduce your interest liability. The moratorium, which was ending on May 31, 2020, has been extended till August 31, 2020.

The need to check CIBIL score arises when a person applies for a credit card or a loan. An applicant with a good credit or CIBIL score is considered to be suitable for most of the credit facilities and also for the best ones. People who have credit history know that their payment behavior on the credit score but many are still unaware of simple things such as checking the credit score. In this article, we have provided an amalgamation of the procedure to check CIBIL score online and how this score is generated by the credit bureau companies such as CIBIL with some other valuable information on the same.

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How to Check CIBIL Score by PAN Card Number Free Online?

Here are the simple steps that are to be followed to check CIBIL score for free.

  • Visit ‘Check CIBIL Score’ page at Wishfin.com
  • Provide your full name as mentioned on the PAN card
  • Enter your Date of Birth
  • Choose the gender you belong to
  • Mention your PAN card number
  • Enter your contact address
  • Provide the email ID fn which you want to get the credit report
  • Enter your mobile number
  • Submit the form

How to Check CIBIL Score by Aadhaar Card?

To check your CIBIL score at Wishfin, you need Aadhaar Card to mention your residence address.

Check CIBIL Score by Mobile Number

While checking the CIBIL score, you also need to enter your mobile number along with other details mentioned above.

Why to Check CIBIL Score at Wishfin?

Wishfin, the first official partner of CIBIL, provides your credit score free of cost. Doesn’t matter how many times you check your CIBIL, it is a free service and does not affect your score as well. Unlike the official website of CIBIL where you have to pay ₹550 or more if you want to check the score more than once and frequent inquiries also lower it down at CIBIL.

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What is the CIBIL score range?

The range of CIBIL score or credit score is between 0-900 wherein the lowest value that is shown by the credit bureau company 300. If an applicant has a score above 600, he is eligible for most of the credit facilities. But, the score above 750 is considered to be the most suitable one.

What is a perfect CIBIL score?

The ideal credit score is considered to be between 750-900. Your repayment history plays the most important role in deciding the score and if you have failed to maintain a good payment history, your score is likely to go down. It is therefore advised to keep a good payment record to avoid facing any kind of troubles in getting a loan or credit card.

Why is it important to maintain a good CIBIL score?

Every then and now, we question the importance of a good credit or CIBIL score. You must know that in the banking industry, if you have a good credit score, you can get better deals on loans as well as credit cards. However, it does not mean that those who do not have a credit history can not apply for a loan or a credit card. Many people have taken loans and also use credit cards even if they have 0 credit score or even a bad score.

But, as it is said beggars are not choosers, best products are available on to those who are suitable for it and suitability is decided by your income. A credit score holder gets better deals because it is easier for the lender to trust the repayment behaviour of the customer.

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What if your credit score is poor?

The world does not end here. If, by any chance, you have a negative credit score, you have the option to apply for any credit facility. It’s just that you have to ensure that you make the payments on time so that it can help in improving your score.

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Personal Loan Interest Rates August 2020
Fullerton India14.00% - 33.00%
HDFC Bank10.75% - 21.45%
ICICI Bank10.75% - 18.49%
IndusInd Bank11.25%
Kotak Bank10.99% - 20.99%
RBL17.50% - 24.00%
Standard Chartered Bank11.00% - 21.00%
Tata Capital10.99% - 18.00%
Home Loan Interest Rates August 2020
Axis Bank7.75% - 8.55%
Bank of Baroda7.00% - 8.40%
Citibank8.20%
HDFC6.95% - 8.00%
ICICI Bank6.95% - 8.05%
Indiabulls Housing Finance Limited8.80% - 11.05%
Kotak Bank7.20% - 9.30%
LIC Housing6.90% - 7.90%
Piramal Capital & Housing Finance9.00% - 9.10%
PNB Housing Finance8.60% - 9.45%
Reliance Home Finance8.75% - 14.00%
State Bank of India/SBI6.95% - 7.60%
Tata Capital9.20% - 9.35%