In short: You are entitled to one free full credit report from each of India’s four credit bureaus every calendar year: TransUnion CIBIL, Experian, Equifax and CRIF High Mark. Request it on each bureau’s own website after verifying your identity with your PAN and mobile number. Checking your own report is a soft enquiry, so it never lowers your score. If you space the four requests across the year, you can see a fresh report roughly every three months without paying anything.
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
Four free reports a year: stagger them
Most people download one report, see a score, and stop. A better habit is to treat the four bureaus as four check-ups. Each one holds data from the lenders that report to it, so looking at a different bureau each quarter also catches mistakes that appear at one bureau but not another.
One way to use your four free reports
An example schedule, not a rule. The free allowance is one full report per bureau per calendar year, so the order and months are up to you.
How to download it, step by step
Type the address yourself. Go to the bureau’s official site (cibil.com, experian.in, equifax.co.in or crifhighmark.com). Don’t follow links in unsolicited messages.
Find the free annual report. Bureaus also sell subscriptions, often shown first. Look for the free report option.
Verify your identity. Enter your PAN, date of birth and mobile number, then the OTP. Some bureaus ask a few questions about your existing loans.
Download and save. Save the PDF, and note the report date and control or reference number for any dispute later.
No genuine bureau asks you to pay a stranger, share your OTP on a call, or install a remote-access app.
Use the same name spelling as on your PAN card to avoid a mismatch.
If identity checks fail, contact the bureau through its website rather than using a paid “agent”.
Free score, free report or paid plan: what you actually get
Score in a fintech or bank app
Free annual report from a bureau
Paid bureau subscription
Cost
Free
Free, once a year per bureau
Monthly or yearly fee
What you see
Score, sometimes a summary
Full report: accounts, payment history, enquiries
Full report, refreshed more often, alerts
Effect on score
None
None
None
Good for
Tracking the trend
Finding errors and preparing to apply
Close monitoring during repair or a dispute
What most people get wrong: they assume the score in an app is their credit report. A score is one number; the report is the evidence behind it, account by account and month by month. Errors, unknown loans and closed accounts still showing as open only appear in the full report. That is also why you don’t need a paid plan just to see it once.
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.
