Your credit score (often called CIBIL score) reflects your creditworthiness based on your loan and card repayment history. Under RBI rules, each of the four licensed Credit Information Companies must give you one free full credit report a year. Check your score directly on the official CIC websites — you don't need any paid third-party 'score checker'.
Official website
RBI-licensed Credit Information Companies (CICs)
https://www.rbi.org.in
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Go to an RBI-licensed Credit Information Company's official website (CIBIL/Experian/Equifax/CRIF High Mark).
Register with your PAN and personal details.
Verify your identity via OTP.
View your credit score and full credit report.
Use your one free annual full report from each CIC to review for errors.
Official fees
You are entitled to one free full credit report per year from each licensed CIC. Frequent/real-time score services may be paid.
How to apply
Online (official CIC websites)
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Every RBI-licensed credit bureau must provide one free full credit report a year. Register on the official bureau website with your PAN to view your score and report — avoid paid third-party 'checkers'.