Free credit reports
Access your annual free report from all four RBI-authorized bureaus in India.
Get your report
TransUnion CIBIL
India's oldest credit information company, providing credit scores and reports since 2000.
Experian
A global leader in credit reporting, offering comprehensive credit solutions in India.
CRIF Highmark
An Indian credit bureau with a strong focus on microfinance and commercial credit.
Equifax
A global data, analytics, and technology company providing credit insights in India.
How to get your report — step by step
TransUnion CIBIL
VisitVisit the CIBIL free annual report page
Click 'Get Your Free CIBIL Report & Score'
Fill in your personal details (name, email, phone)
Verify your identity via OTP sent to your mobile
Answer security questions for authentication
Your report will be generated and available to download
Experian
VisitGo to Experian's free credit report portal
Click 'Get Your Free Credit Report'
Create an account with your email and mobile number
Complete the identity verification process
Provide required personal and address details
Access your report instantly after verification
CRIF Highmark
VisitNavigate to CRIF Highmark's free report section
Click 'Get Free Credit Report'
Enter your personal information and contact details
Verify your mobile number with OTP
Complete the authentication process
Download your comprehensive credit report
Equifax
VisitVisit Equifax's free credit report portal
Click 'Get Your Free Equifax Credit Report'
Register with your email and mobile number
Fill in personal details and identification information
Complete the verification steps
Access and review your credit report online
Things to keep in mind
You are entitled to one free credit report per year from each bureau
Keep your Aadhaar, PAN, and mobile number ready for verification
The process typically takes 5–10 minutes per bureau
Reports are usually available immediately after verification
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