How to Check Your CIBIL Score for Free India (Via GPay, CRED, PhonePe)
Introduction
Your CIBIL score is the key to unlocking better financial opportunities like loans, credit cards, and EMI offers. But did you know that you can check your CIBIL score for free in India using apps like GPay, CRED, and PhonePe? Yes, no need to pay or visit banks anymore!
In this blog, we’ll show you how to check your free CIBIL score instantly and safely using your smartphone.
What is CIBIL Score?
The CIBIL score is a three-digit number ranging from 300 to 900 that reflects your creditworthiness. It’s generated by TransUnion CIBIL, one of India’s top credit bureaus.
- 750 and above: Excellent credit profile
- 650–749: Good
- 550–649: Fair
- Below 550: Poor
Financial institutions use your CIBIL score to determine your loan eligibility, interest rate, and credit limit.
Why You Should Regularly Check Your CIBIL Score
Monitoring your score helps you:
- Track your credit health
- Identify errors in your report
- Detect fraudulent activity
- Improve loan approval chances
And since it’s free, why not check it regularly?
How to Check CIBIL Score for Free Using GPay
Google Pay offers a simple way to access your CIBIL score under its Loan or Finance section.
Steps:
- Open the GPay app.
- Tap on ‘Loan’ or ‘Money’ section.
- Scroll and tap ‘Check your CIBIL score’.
- Enter your PAN card and basic details.
- View your free CIBIL score and report.
✅ No charge, no impact on your score.
How to Check CIBIL Score Using CRED
CRED is one of the most popular credit monitoring apps in India.
Steps:
- Download and open the CRED app.
- Sign up using your mobile number linked to credit cards.
- Go to the ‘Score’ tab.
- View your updated CIBIL and Experian credit score.
✅ Also provides detailed credit report insights.
How to Check CIBIL Score Using PhonePe
PhonePe has partnered with CRIF to offer free credit score reports.
Steps:
- Open the PhonePe app.
- Tap on ‘My Money’ → ‘Credit Score’.
- Enter your PAN and date of birth.
- Get your credit score instantly.
✅ Data is 100% secure and encrypted.
Case Study: How GPay Helped Rohit Monitor His Credit
Rohit, a 29-year-old IT employee from Bengaluru, used GPay to check his CIBIL score before applying for a home loan. His score was 812, giving him access to the best interest rates. He even spotted an old closed credit card that hadn’t been updated — and resolved it!
Chart: Popular Apps to Check CIBIL Score for Free in India
| App | Credit Bureau Used | Free Report | Refresh Frequency | Ideal For |
|---|---|---|---|---|
| GPay | TransUnion CIBIL | ✅ Yes | Monthly | General Users |
| CRED | CIBIL & Experian | ✅ Yes | Monthly | Credit Card Users |
| PhonePe | CRIF | ✅ Yes | Monthly | UPI Users |
| Paisabazaar | CIBIL | ✅ Yes | On-demand | Loan Shoppers |
Tips to Improve Your CIBIL Score
- Pay EMIs and credit card bills on time
- Maintain low credit utilization
- Don’t apply for too many loans at once
- Keep old credit accounts active
- Check your report regularly for errors
Conclusion
Now that you know how to check your CIBIL score for free in India using GPay, CRED, and PhonePe — start monitoring your credit health today. Staying informed is the first step to better financial decisions.
FAQs
1. Is it safe to check CIBIL score via apps like GPay or CRED?
Yes. These platforms are authorized and follow data privacy norms.
2. Will checking my CIBIL score affect it?
No. It’s considered a soft inquiry and does not affect your score.
3. How often should I check my score?
At least once every 3 months.
4. Is PAN card necessary to check the CIBIL score?
Yes, PAN is required to fetch your credit report.