How Can I Check My Free CIBIL Score On WhatsApp?

Maintaining a good credit score is essential for securing loans, credit cards, and other financial products. Your credit score is a numerical representation of your creditworthiness, and it plays a crucial role in the approval or rejection of your loan or credit card application. The Credit Information Bureau (India) Limited, commonly known as CIBIL, is one of the leading credit bureaus in India that tracks and maintains your credit history. In this article, we will discuss how you can check your free CIBIL score on WhatsApp.

What is a CIBIL Score?

A CIBIL score is a three-digit number that ranges from 300 to 900, representing your creditworthiness. The score is based on your credit history, including your repayment history, credit utilization, credit mix, and other factors. A high CIBIL score indicates that you are a creditworthy borrower, while a low score indicates that you are a high-risk borrower.

How to Check Your Free CIBIL Score on WhatsApp?

Checking your CIBIL score on WhatsApp is a quick and convenient way to keep track of your creditworthiness. To check your CIBIL score on WhatsApp, follow these steps:

 Step 1: Save the CIBIL WhatsApp number (91-8828800040) on your phone.

 Step 2: Type "Hi" or "Hello" and send it to the saved number on WhatsApp.

Step 3: The CIBIL chatbot will respond with a welcome message and ask you to enter your PAN number. 

Step 4: Type your PAN number and send it to the chatbot.

 Step 5: The chatbot will verify your PAN number and ask for your consent to fetch your credit report.

Step 6: Type "Yes" or "Agree" and send it to the chatbot.

Step 7: The chatbot will fetch your credit report and send it to you on WhatsApp.

Step 8: The chatbot will also provide you with your CIBIL score and a detailed report of your credit history.

Things to Keep in Mind While Checking Your CIBIL Score on WhatsApp

  1. The CIBIL WhatsApp service is currently available for free, but it may change in the future.
  2. You can only check your CIBIL score on WhatsApp once a year for free. If you want to check your score more than once, you will need to pay a fee.
  3. Make sure to enter your PAN number correctly to avoid any errors.
  4. You need to give your consent to the chatbot to fetch your credit report. If you do not give your consent, the chatbot will not be able to fetch your report.
  5. You can use the CIBIL WhatsApp service only if your mobile number is registered with CIBIL.
  6. The CIBIL WhatsApp service is currently available in English and Hindi only.
  7. The chatbot may take some time to fetch your credit report, depending on the traffic on the server.
  8. If you have any issues while checking your CIBIL score on WhatsApp, you can contact the CIBIL customer care team for assistance.

Conclusion

Checking your free CIBIL score on WhatsApp is a convenient and quick way to access your creditworthiness. By following a few simple steps, you can easily obtain your CIBIL score on your mobile device. This service can help you stay on top of your financial health and take the necessary steps to improve your credit score. However, it's important to note that while WhatsApp is a secure platform, it's essential to be cautious and protect your personal information to prevent any potential fraud or identity theft.

Read More: Credit Card or Cash: Which To Use?


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