CIBIL Login Registration

To get your credit score it is required to generate the credit report for which one must perform CIBIL Login Registration. CIBIL scores are vital for credit decisions and hence you need to register if you need your score. Understand all about the registration process and what you need to do for a seamless CIBIL Login Registration.

About CIBIL Login Registration

TransUnion CIBIL is the most popular credit information Company in India that collects credit information of Companies and Individuals from various financial institutions to compile the credit profile and generate a credit score based on the credit behaviour of the individuals and Companies. To generate the credit report to know the credit score, CIBIL Login Registration is necessary, and this article is all about the registration process.

Click to Check: Cibil Report Online

CIBIL Login Registration Process

CIBIL Score is an integral part of a credit decision. The moment a credit application is received, lenders draw the credit report to understand the credit repayment behaviour of the borrower and the risk attached to the proposal. There are two types of CIBIL Reports generated for the consumers. One is the report for individuals, i.e., Credit Report and the other is the report for Companies, i.e., Company CIBIL Report.

To generate the CIBIL Report, both individuals and Companies have to access the CIBIL Portal. To gain access to the CIBIL portal, CIBIL Login registration is required. Companies have to pay a fee of Rs. 3000/- to generate Company Cibil Report with Credit Rank every time. Individuals can get a free report once a year.

Once the registration to the CIBIL portal is completed following the CIBIL Consumer Login Registration process, you can generate a CIBIL report by logging in to your account. Knowing your CIBIL Score before applying for a loan is mandatory for a seamless loan process. The minimum CIBIL Score required for personal loan is between 700 to 750, and the minimum CIBIL Score required for home loan is between 600 to 750. The higher the Score, the better is the prospect of procuring a loan easily.

Steps to be followed by Individuals for CIBIL Registration

  • Access the official website of CIBIL, i.e. https://CIBIL.com
  • Select the plan you need by clicking on the ‘Get your CIBIL Score’ option
  • Go to the ‘Create Your Account’ option (Provide basic personal details like name, email ID, Type of Government ID(PAN, Aadhar Card, Voter’s ID, Driving Licence etc.) and the ID number and mobile number.
  • You can go to the next step, i.e., ‘Verify your Identity’, once you click on the ‘Accept and Continue button.
  • After completion of verification, you can go to the ‘Payments Section’. At this stage, you can make the payment for a subscription. Individuals who need to draw CIBIL Report on a regular basis can opt for monthly/bi-monthly/half-yearly/annual subscriptions.
  • Once payment is made, registration will be successful, and you can log in to your account and gain access to the various features of the site.

Steps to be followed by Companies for CIBIL Registration

  • Access the link https://CIBILrank.CIBIL.com
  • The following details of the Company have to be entered.
  • Name of the Company
  • Type of Entity
  • Type of ID
  • ID Number
  • Registered Address of the Company
  • State
  • City
  • PIN
  • Contact details of the authorised signatory

On completion of the second step, click on the ‘Proceed’ button 
Use any payment mode like net banking, debit card or credit card for payment of subscription fee, i.e., Rs. 3000/- 
A CIBIL Registration ID and Transaction ID will be sent to the email ID registered to the Company account. 
The Company can use the CIBIL Registration ID for CIBIL login henceforth.

Also Check: Credit Policy of Banks

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CIBIL Login New Registration

CIBIL login new registration is mandatory for both individuals and companies to gain access to the CIBIL Portal. Once the registration is complete CIBIL login will be enabled to generate CIBIL Report Online. The process for CIBIL Login for CIBIL score check online free in the case of individuals and CIBIL Login to generate Commercial CIBIL Report is discussed further in this article.

Also Check: Credit Bureau of India

CIBIL Login Steps for Individuals

Follow a few simple steps and check the CIBIL Score by PAN card or any other Government ID.

  1. Access the CIBIL website.
  2. On the homepage, you will find the ‘Get Your CIBIL Score’ option. Click on option
  3. You can go to the login page by clicking on the ‘Member Login’ tab
  4. Login to your account with your username and password.
  5. Click on sign up and follow the process if you have not registered yourself.

Additional Reading: How to read cibil report?

CIBIL Login Steps for Companies

The procedure for CIBIL Login for Companies is given below:

  1. Access the official CIBIL website for Companies, i.e., https://CIBILrank.CIBIL.com to log in to your account.
  2. After logging in, upload the KYC documents required for verifying your account and generating the CIBIL report and CIBILrank.

It is recommended to keep track of your CIBIL Score and CIBIL Rank so that any slippage in the CIBIL Score/CIBIL Rank can be dealt with before it is too late. Managing the CIBIL Score at 750 and above, i.e., the minimum CIBIL score level at all times, will give you easy access to credit at times of emergency.

Advantages of CIBIL Login Registration

There are various advantages of CIBIL Login Registration.

  • You can access the CIBIL Report and CIBIL Score any number of times. 
  • You will get instant alerts about your credit score throughout the day. Keeping track of your Score on a regular basis to maintain robust credit health is very much required if you need easy access to credit at all times. Suppose there is a slump in the credit score. You can learn how to read the credit report and analyse the reasons for the slump and set it right before it is too late.
  • You will be eligible for customised loan offers.
  • You will get an idea of how your current credit score can change based on future credit behaviour through Score Simulators.
  • You will be eligible for credit monitoring services, wherein you will get alerts about credit score changes. You will also get alerts about the transactions that are included in your credit report. If you notice any transaction that is not initiated, you can immediately raise a CIBIL dispute.

Also Check: Credit Monitoring

KYC Documents Required for CIBIL Registration

The following are the KYC documents required for CIBIL Login Registration of individuals:

  • Identity Proof like PAN Card, Aadhar Card, Voter’s ID Card and Driver’s Licence
  • Address proof like latest telephone bill, electricity bill or bank pass sheet

The KYC documents required for CIBIL Login Registration of Companies is given below:

  • Address Proof 
  • telephone bill
  • electricity bill 
  • bank statement.

Also Check: Cibil score required for personal loan

Procedure to Upload Documents for CIBIL Login

Uploading the required KYC documents is a mandatory procedure before CIBIL Login to generate the CIBIL Report. You should ensure that the KYC documents are valid before uploading to avoid the cancellation of registration.

  • Access the website https://CIBIL.com/kyc-upload
  • There are two separate options. One for individuals and the other for Companies
  • Choose any of the suitable options and click on the submit button.
  • If you choose the ‘Individual Credit Report’ option, you will have to mention the details of address proof and identity proof. 
  • Upload the relevant documents and click on the ‘submit’ button to complete the process.
  • If you choose the ‘Company Credit Report’ option, you will have to upload the relevant KYC address proof documents and click on the ‘submit’ option to complete the process.

Additional Reading: What is cibil grievance?

What is the fee to access the CIBIL report and Score?

You have various plans with a different fee structure to access CIBIL Report and Score.

  • As per RBI guidelines, one free report will be provided in a year.
  • After exhausting the free report facility, you will have to pay a nominal fee of Rs. 550/- for one time CIBIL Report generation.
  • Under the Standard Subscription Plan, you will have to pay a fee of Rs. 800 and you will be provided two reports in 6 months.
  • Under the Premium Subscription Plan, you will have to pay Rs. 1200/- and will be provided 4 Credit Reports in a year.

Also Check: CRIF credit score

Benefits of CIBIL Score

Credit Rating in India is done by TransUnion CIBIL based on the credit information provided by the financial institutions from time to time. CIBIL Score calculation is done by taking into factors like payment history, type of credit, duration of credit, hard enquiries etc. Each factor is assigned with a percentage, and the Score is calculated. The credit score range is er 300 to 900. The higher the score, the better are the chances of loan approval.

CIBIL Score is a representation of your credit health and creditworthiness and has various benefits in the loan scenario.

  • A sure shot loan approval.
  • Better deals and offers with regard to the rate of interest and other service charges.
  • A higher loan limit.
  • Eligibility for pre-approved loans
  • Better negotiation powers
  • Credit cards with a higher limit and better rewards.

The best site to check credit score is the official CIBIL Website.

View and improve your credit score - for free.

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CIBIL Login Registration FAQs

✅What is CIBIL registration?

Individuals and Companies need to access the CIBIL Portal for drawing their CIBIL Reports. CIBIL registration or CIBIL Login Registration is the process to gain access to the CIBIL Portal and login to their respective accounts to draw the CIBIL Report.

✅How can I get my CIBIL user ID?

On completing the CIBIL Registration process by providing basic details like name, email id, mobile number, type of government ID, number of the government ID and uploading the required KYC documents, you will get the CIBIL User ID to access the myCIBIL section and generate the CIBIL Report.

✅How do I create a TransUnion username?

If your Company has already subscribed for TransUnion Direct, you can get an individual user ID by contacting the Company Administrator or Local Administrator, who will be authorised to create a User ID for you.

✅What is the password to open CIBIL PDF?

The password for opening the CIBIL PDF is the first four alphabets of your name as appearing in the online application form in the lower case along with the year of birth. For instance, if your name in the online application is Shobha and the date of birth is 10/11/1958, then the password will be shob58.

✅Is TransUnion membership free?

Banks and other financial institutions have to enrol for Transunion by filling up membership and paying a fee to vide cheque/draft favouring ‘TransUnion CIBIL Limited’. The membership fee will be Rs. 10000/- plus taxes, and the annual fee will be Rs. 5000/- plus taxes.

✅Why can I not log in to TransUnion?

The reasons why you cannot log in to Transunion are:

  • The link you have chosen for login may be wrong
  • The username and password may be incorrect.

To ensure the correct link, first, clear the cache and browser history and then look in the settings/options/tool section of your browser.

If the username and password are incorrect, you will have to go for the reset option by selecting the right link. Several questions have to be answered as an identification process. Once the process is done, you will be provided access to your account. On completion of the process, you will receive an email as a part of privacy protection.

Choose any of the options given below to reset the username or password:

  • Transunion Credit Monitoring
  • TrueIdentity
  • Consumer Online Self-Service Site

✅What is the username of CIBIL?

Generally, your email ID will be the username of CIBIL.

✅What is the CIBIL fee?

A one-time CIBIL fee is Rs. 550/-. There are two other types of CIBIL Fee, i.e., Standard and Premium subscriptions. For a Standard Subscription, you will be charged Rs. 800/- and you will receive 2 CIBIL Reports in 6 months. For a Premium Subscription, you will be charged Rs. 1200/- and you will receive four credit reports in a year.

✅What is a negative CIBIL score?

When there is no credit history available for an individual, the credit score will be -1, which is a negative CIBIL Score. Now, if how to improve Cibl Score to come out of the negative CIBIL Score is the concern, then you can apply for a credit card against Fixed Deposit and follow the thumb rule for good credit given below.

  • use the credit card
  • make the repayment promptly 
  • Always pay the total amount due.