CIBIL Report Online – Get your credit score in your email

POSTED BY Jagoinvestor ON December 15, 2011 COMMENTS (1,429)

This article will teach you how to apply for your cibil report online . Some months back, I had written an article on CIBIL report which was well taken. A lot of readers applied for CIBIL score and were shocked to see their CIBIL report was messed up because of some past sin committed in area of credit card, home loans, personal loans. A lot of you applied for CIBIL report which took some time, energy and lot of commitment, but majority of readers didn’t take any action and just told themselves “I will apply soon” .. that “soon” never happened and seems like CIBIL heard your prayers. CIBIL scores are now available online. Fill a form and make the online payment in 10 minutes, authenticate some questions and get your CIBIL score online in your email in next 4 days ! . I applied for my personal CIBIL score and I got it in just 2 days in my email . My score was 835 ! . yippee !

Procedure to get your CIBIL report online

Note that you can only get your CIBIL TransUnion Score (Including CIR) by paying Rs 450. You cant get CIR alone .

1. Fill up the online form

The first step is to fill up a form online here . It asks Name, address, Phone details along with Identity and address proof. At the end it would ask your Loan account number (credit card number in case of credit card) . Make sure you fill up the form correctly and also double-check that you are putting correct address, identity proof related number like PAN number , Passport number etc. Once you are done with this step, you move to step two, which is payment online.

CIBIL Report online

2. Make an online Payment

Once you have filled up the form, and click on “Make Payment” button, you will be redirected to the payment gateway where you can make the payment of Rs 450 by credit card, NetBanking or other ways . I would suggest making a payment using net banking , because I used credit card option myself two times and it failed , but with Net banking option, I didn’t face any issue.

Make sure you do not close the page after making the payment, it will redirect you to a CIBIL page where the 3rd step will be performed. Note that before you move to 3rd step , you will get an IDENTIFICATION ID number , please make sure you note it down properly.

Tip : The reason why we keep getting transaction failures (with payments getting deducted) is because of the way the CIBIL website handles cookies. Its always better to clear off everything in your browser before attempting to pay for your report. I found this the hard way after my payments were deducted a couple of times (1 refunded and 1 waiting for refund). Thanks to Vijay for this finding

3. Authentication

Now from security point of view, now you will have to answer 3 questions which would be related to your credit history. Once you answer these questions, your authentication will be successful and you will get your CIBIL score card in your email in next 4 days. You will get this message once authentication is successful

We will e-mail your CIBIL TransUnion Score (Including CIR) within 4 business days*. The On-Line Payment Confirmation is emailed for your record. For any queries on the status of your request, you can write to us with your Transaction Id at after 4 business days.

You will get a receipt of payment which you can print right away and you will also get an email with PDF copy of your payment and other details.

What if authentication fails ?

Incase the authentication step fails while applying for cibil report online, don’t worry .. all you need to do is take the print out of the payment receipt (you get it in email also) , self attested photo copies of the required documents (identity and address proof) which you had put in the form in the start , and send it to CIBIL address. You should get back your CIBIL score in next 10 days.

Documents Required & CIBIL address

1. Online Payment Confirmation
2. Identity Proof – PAN / Passport / Voter’s id (Identity proof should be valid and not expired)
3. Address Proof – Bank Statement / Electricity Bill / Telephone Bill / Passport / Credit Card Statement (Address proof should be not more than 3 months from the date of application and should be in your name)


Consumer Relations – Disclosure Request,
Credit Information Bureau (India) Limited, Hoechst House, 6th Floor, 193,
Backbay Reclamation, Nariman Point, Mumbai 400 021.

Data Security ?

While CIBIL says that the whole process to apply for cibil report online is secure and there has been rigorous testing, I personally realised that it’s not 100% secure. First the email id where you want to order the CIBIL score can be any email id , all i need to know is your important documents numbers and your credit history and some numbers , which I feel a lot of people share with their close friends and relatives sometimes . So the real security would happen when you do not disclose your credit related data to anyone .

In last few months we have seen that there have been many complaints from hundreds of people on how they could not get a loan because of their low CIBIL score or some bad past record . Banks are seriously looking at these scores now and make sure you at least have a look at your CIBIL score once . So if you have any credit card or loan , you should apply for CIBIL score and have a look at it.

Try out ordering your CIBIL report online and let me know if you were successful or not . Also share your experience with CIBIL in comments section.

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1,429 replies on this article “CIBIL Report Online – Get your credit score in your email”

  1. KIRAN R says:

    Hi Sir,

    I have home loan running and my two EMI’s were bounced in May-2016 and June-2016 later i re-paid all EMI’s on Sep-2016 with all dues.Also I have one PL and one Auto Loan without any bounces also I have three CC and two Bajaj durable loans but paying EMI’s regularly but when I applied for the CIBIL in Nov-2016, I got to know that my score is 689.

    So sir I would like to ask you when my score will get increase and also is there will be any impact for my two bounces, will I get any CC or any loan in future?

    Please suggest.

    Kiran R

    1. Yes, the bounces will surely have negative impact. It will show up in your DPD section. However we cant say that a company will give you a loan or not based on this information.

  2. Tamajit says:

    Hi I recently moved to a new city, while checking the score should I give my new address or the last address. It has been exactly 2 months since I moved to this new city. Thanks.

    1. You should give old address itself, as its more of the authentication of your records in banks

  3. Mahesh says:

    Required cibil report

    1. Jagoinvestor Admin says:

      Hi Mahesh

      I am not clear on what is your question. Please repeat it with more clarity


  4. Chandrashekhar says:

    i have failed in authentication question no online payment confirmation receipt receive no mails received any confirmation of payment which i have made online through net banking what should i do tell me

    1. Check with CIBIL customer care ?

  5. vasanthkumar says:


    I have submitted the documents for 3months now, but didnt get any report or mail. sending repeated mails but no reply. what to do?

    1. Contact the CIBIL customer care

  6. CyrilMathew says:

    i wanted my cibil report through an email which i did not get yet i was only able to see everything online but i need it on my email … how to go about it?

    1. You generally get the CIBIL PDF on your email. How did you not get it !

      I am talking about INDIA

  7. bsuthar says:

    i had paid the Rs500/ online payment and got the Score by SMS CIBIL SCORE 869 But didn’t got any ID – Pass and Report ….what to do to get them ?

    1. You should get it in next few hours !

  8. Pankaj says:


    Have you ever conducted any survey on CIBIL Score on this site (What is score of different ppl, how many ppl fall under high, moderate, low range, etc)?
    If so, would you please provide link of such article?

    1. I have not yet done that !

  9. D.Praveen says:

    Sir, I have applied for cibil score onine, after entering details I got a reply that ” your information is not available in our records”. what does this mean and How should I proceed further. I need to know my CIBIL score since I am planning to take a home loan ?

    1. Do you have any kind of credit card or loans in past? If not, then it does not exist !

  10. MANIKANDA says:


  11. MANIKANDAN says:



    1. Pankaj says:

      It must be mentioned in an email through which you would have received pdf report. The password to view your CIBIL report may be first four alphabets of your name in lower case and year of birth.
      example: If the given name is Arun Kumar & year of birth is 1985, the password will be arun1985.
      This is what I got in my email.
      (See how email addresses your name, like Dear Mr. Arun Kumar or Kumar Arun, accordingly, password will be arun 1985 or kuma1985)

  12. ganesh says:

    pls tell if the cibil score is 739 means it is how poor or low or good

    1. Its an ok score. Not great, but not bad either!

  13. MOHIT says:


    1. If you didnt have any loan in past, then your report wont be there!

  14. John says:


    Can u help me with cibil authentcation questions?