How to Download Your Free CIBIL Report (Step-by-Step)

Most people only think about their CIBIL report when a bank asks for it.

But by then, it’s usually too late.

You apply for a loan. The bank checks your credit profile. Something is wrong. Your application gets delayed or rejected. And that’s when you realize you should have checked your report earlier.

The good news is — you don’t have to wait for a bank to see your CIBIL report.

You can download it yourself, for free, directly from the official CIBIL website in just a few minutes.

And not only CIBIL — you are legally allowed to download your free credit report once a year from all four credit bureaus in India.

If you want quick access to all of them in one place, you can use:

👉 https://www.creditreveals.in/credit-reports

This page lists the official free report links for all four bureaus so you don’t have to search for them separately.

In this guide, we’ll walk through the exact steps to download your CIBIL report.

Why you should check your CIBIL report regularly?

Your CIBIL report shows:

All your loans and credit cards
Your payment history month by month
Your personal and contact details
Your CIBIL score

If anything here is wrong, it directly affects your loan approvals and interest rates. Because it doesn’t cost anything, there’s really no reason to ignore it.

Step 1 — Visit the official CIBIL website

Go to: https://www.cibil.com

On the homepage, click:

Get your free CIBIL Score & Report

This starts the registration process.

Step 2 — Enter your details (All fields are required)

You will now see a form titled Enter Your Details.

Fill in:

Email address (this becomes your username)
Password and confirm password
First name and last name
ID Type and ID Number (such as PAN)
Date of birth
Pincode
Mobile number

You will also see a declaration statement allowing CIBIL to verify your identity.

⚠️ Important — Be extremely careful here

While registering, every detail you enter becomes part of your CIBIL login identity.

If you make a mistake here (wrong email, wrong mobile number, wrong ID number, spelling mistake in name), correcting it later is very difficult and sometimes requires contacting support with proofs.

So before clicking Accept and Continue, double-check every field carefully.

This step takes one extra minute but can save you a lot of trouble later.

After verifying all details, tick the checkbox and click Accept and Continue.

Step 3 — OTP verification

An OTP will be sent to your registered mobile number. In some cases, you may also receive it on your email address, or on both.

Enter the OTP you receive and click Continue.

Step 4 — “Is this a trusted device?”

You will now see a screen asking:

Is this a trusted device?

This is for security.

Choose Yes only if you are using your personal phone or laptop
Choose No if you are using a public or shared device

Then click Continue.

Step 5 — Signup successful → Go to Dashboard

You will see a message saying Signup Successful.

Click Go to Dashboard.

You are now inside your CIBIL account.

Step 6 — Finding the CIBIL Report section

On the right side of your dashboard, you will see a section titled:

CIBIL Report

Under this, you will see two options:

View Your CIBIL Report
Print Your CIBIL Report

Click Print Your CIBIL Report.

Step 7 — Save your report as PDF

A new tab will open.

You may directly see the print window. If the print window doesn’t appear automatically, use your browser’s Print option or press Ctrl + P on your keyboard, then choose Save as PDF.

Save the file to your device

You now have your complete CIBIL report downloaded as a PDF.

If you are already registered (existing users)

If you already created an account before, you don’t need to register again.

Click Login on the homepage.

You will see two options:

OTP verification will happen again in both cases.

You will again see the Trusted Device confirmation screen.

Choose the option carefully and click Verify and Proceed.

You will land on the dashboard, where you can follow the same steps to download the report.

What to do after downloading your report?

Once you have the report:

Check personal details
Check all loan and card entries
Check payment history
Look for any mistakes

If you find any error, you can follow our detailed dispute guide to fix it.

You can download reports from all four bureaus

Many people don’t know this, but you can download your free credit report once a year from:

CIBIL
Experian
Equifax
CRIF High Mark

Instead of searching each website separately, you can directly access the official links here: