CIBIL Registration & Login Process
Financial institutions and banks trust CIBIL to check the credit report of individuals who wish to apply for a credit card or loan. Individuals and companies can also check their credit reports on CIBIL by completing the registration process and logging in.
CIBIL Registration and Login for Individuals
CIBIL Registration Process - Individuals(Consumers)
The procedure that individuals must follow in order to complete the registration process on CIBIL is mentioned below:
Step 1: Visit the official website of CIBIL (www.cibil.com)
Step 2: Click ‘Get Your CIBIL Score’
Step 3: Fill in personal details: name, email, ID type/number, and mobile
Step 4: Click ‘Accept & Continue’.
Step 5: Verify the identity
Step 6: Proceed to make payment and complete registration
Step 7: Log in to access your credit report and dashboard
CIBIL Login Process - Individuals (Consumers)
The procedure that individuals must follow to log in to their CIBIL account is mentioned below:
Step 1: Visit CIBIL website
Step 2: Click ‘Get Your CIBIL Score’
Step 3: Choose ‘Member Login’.
Step 4: Enter username and password.
Step 5: Click ‘Enter’ to access dashboard.
CIBIL Registration and Login Process for Companies
CIBIL Registration Process (Companies)
The procedure that companies must follow to register their CIBIL account is mentioned below:
Step 1: Visit the official site cibilrank.cibil.com
Step 2: Fill company details: name, ID type/value, GSTN, office address, and signatory info
Step 3: Click ‘Proceed’
Step 4: Make Payment of Rs.3,000 online
Step 5: Receive CIBIL Registration ID and transaction ID via email
Step 6: Log in with credentials to access company reports
Alternative: Download and submit the form via post or email to CIBIL’s office.
CIBIL Login Process (Companies)
The procedure to log in to the CIBIL account is mentioned below:
Step 1: Visit the CIBIL Rank Website
Step 2: Click on 'Login'.
Step 3: Upload KYC documents during first login to access your CIBIL Rank and Report.
What is CIBIL Rank?
Just like individuals get a CIBIL score, companies get a CIBIL Rank. This summarises the Commercial Credit Report (CCR) of the company.
A rank will range from 1 to 10. 1 is the best rank. This is applicable to companies with credit exposure which is between Rs.10 lakh and Rs.50 crore.
The rank will indicate the probability of the company missing payments. Lenders can look into the rank to decide if they should lend funds to the company.
CIBIL Registration Documents
The list of documents that must be submitted by individuals and companies will be different and are mentioned below:
Companies
Proof of Address: The below-mentioned documents can be submitted as proof of address:
- Telephone bill
- Electricity bill
- Bank account statement
Individuals
Proof of Address: The below-mentioned documents can be submitted as proof of address:
- Telephone bill
- Electricity bill
- Bank statement
- Aadhaar Card
- Driver's License
- Passport
Proof of Identity: The below-mentioned documents can be submitted as proof of identity:
How to Upload Documents on the official website of CIBIL
The procedure to upload the relevant documents on the official website of CIBIL is mentioned below:
- Step 1: Visit https://www.cibil.com/kyc-upload
- Step 2: Choose either ‘Individual’ or ‘Company’.
- Step 3: Click on ‘Submit’.
- For individuals: Enter ID and address details, upload relevant documents, and submit
- For companies: Provide KYC-compliant address proof and upload documents
- Step 4: Click Submit to complete the process.
Once you have registered on the official website of CIBIL, you will receive updates on the CIBIL report and score on a regular basis. Based on your credit score, pre-approved loan offers may be provided. You can also clear any errors that are mentioned in the credit report.
Benefits of Registering on myCIBIL
myCIBIL is a platform of CIBIL for all customers to get updates on their CIBIL score and report.
- The site gives discounts if you log in to the myCIBIL portal and access your credit report.
- You will get online access to your CIBIL score and report.
- You can also get pre-approved loan offers at competitive rates.
- There is a dispute resolution platform which allows you to request for rectification of errors.
Components of Your CIBIL Report
The components of CIBIL report are listed in the table below:
CIBIL Score | 300 to 900 |
Personal Information | Your name, date of birth, gender, and ID numbers like your PAN, voter ID number, and passport number will all be included in your CIBIL report. |
Contact Information | This has your phone numbers and also your addresses. You can add a maximum of 4 addresses. |
Account Information | The section has information like your credit products like kind of credit (loan, credit card), name of lenders, loan amount, account numbers, monthly record of payments. |
Employment details | Provides information on employment status and income at the time of opening credit facility. |
Enquiry Information | Every time you apply for a credit card or a loan, the financial institution/bank will access your CIBIL report. The enquiries will be listed in the report and have the vendor's name, date of application, credit type, and amount of credit applied. |
Terms in a CIBIL Report
The significance of various terms in CIBIL report are given in the table below:
Term | Meaning |
SF/WD/WO/SETTLED | This means that your credit account is Suit Filed/Wilful Default/Written Off/Settled |
Closed | These are for credit accounts that have 'Date Closed' |
ACTIVE* | 90 |
ACTIVE** | 90 |
DPD | This means 'Days Past Due'. This is the number of days that have lapsed from the due payment date |
DPD '0' | '0' is that the Payment made as agreed and also means that the credit account is up to date |
DPD>0 | The number in the circle means the 'Days Past Due' |
If the below mentioned alphabets are displayed on the DPD table, it means that the lender is reporting an Asset Classification:
Term | Meaning |
S: Standard | According to the RBI guidelines, this is an account which is overdue for less than 90 days and is a 'Standard asset' |
B: Substandard | This is an account which is overdue by 90 days (for a period of less than or equal to 12 months), and is a 'Substandard asset' |
M: Special Mention | This account is a 'Standard' asset but are monitored by the lending agency |
D: Doubtful | This is an account which is overdue by 90 days for more than 12 months and has been categorised as a 'doubtful asset' |
L: Loss | This an account where loss has been determined, but the amount has not been written off (wholly or partially) and is 'Loss asset' |
How is Your CIBIL Score Calculated?
Your CIBIL score will be calculated using your credit history in the CIBIL report. This will reflect your frequency in applying for loans or credit cards, secured and unsecured credit, and also, credit repayment history.
Factors | Weightage | Details |
Payment history | 35% | Reflects the ability to make payments on time. |
Credit Utilisation | 30% | The lower the credit utilisation ratio, the better the score will be. |
Length of credit history | 15% | Score increases if longer credit history with responsible management. |
Credit mix | 10% | Impacts the score positively. |
New credit inquiries | 10% | Too much new credit in a short span of time will lower the credit score. |
Difference Between CIBIL Report and CIBIL Rank
The difference between CIBIL report and CIBIL rank are mentioned in the table below:
CIBIL Report | CIBIL Rank |
A credit score ranges between 300 and 900 | Your credit rating will rank between 1 and 10 |
This is a record of your repayment history of loans and credit cards bills | This is a record of your repayment of loans of a business |
A score which is closer to 900 is a good score. | Companies that have a credit rating of 1 are preferred |
CIBIL Customer Care
Online:
- Visit official website
- Select 'Contact Us'
- Choose 'To Contact Us Online'
- Choose 'Click here'
- Type in the required information
- Click on 'Submit'
By Phone:
You can call 91-22-6140-4300 from Monday to Friday. You can call this number between 10:00 a.m. and 6:00 p.m.
Fax:
You can contact the customer care via fax at 91 - 22 - 6638 4666
Visiting the office:
TransUnion CIBIL Limited
(Formerly: Credit Information Bureau (India) Limited)
One World Centre, Tower 2A, 19th Floor,
Senapati Bapat Marg, Elphinstone Road,
Mumbai - 400 013.
Note: When visiting the TransUnion CIBIL office in person, individual consumers must carry one original and one photocopy of any one of the following ID proofs:
- PAN Card
- Passport
- Driving Licence
- Voter ID
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FAQs on CIBIL Login and Registration
- Will my CIBIL score change?
Yes, if there is a change in any factors that affect your score, your CIBIL score can change. Any late payment and using more than the available credit on your card can change your credit score.
- For what amount of time are all the credit factors available on my credit report?
Your CIBIL report will have details like your credit cards, loans that you have had for the past 5 to 7 years. The information related to your credit card and loan include credit repayment track record, credit limits, number of credit checks performed by lenders.
- Will checking my CIBIL score affect it?
No, when you check your credit report or CIBIL score, it will be a 'soft inquiry' and this does not affect your CIBIL score. This is true even if you are just checking the credit bureau's credit score or report. A 'hard inquiry' that is made by financial institutions or banks will affect your credit score.
- How can my CIBIL score be registered?
You can register your CIBIL score by visiting the official website of CIBIL.
- Is a CIBIL account free to avail?
Yes, a CIBIL account is free to avail.
- What is considered a good CIBIL score?
A score above 700 is usually considered a good CIBIL score.
- What is the full form of CIBIL?
The full form of CIBIL is Credit Information Bureau (India) Limited.
CIBIL Score Requirements for Loans
Disclaimer
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
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