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Zero Charges on 28 Commonly Used Savings Account Services
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- MD & CEO letter about the bank
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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FinFIRST Blogs
How to check CIBIL Score for free and understand how to get your CIBIL report with these simple steps
Whether you are applying for a loan or a credit card, your CIBIL score plays a major role in your application and approval process. Having a good CIBIL score is essential. But what exactly is a CIBIL score and how can you find out your CIBIL score for free? Here’s more information:
What is a CIBIL score?
The Credit Information Bureau India Ltd. (CIBIL) is authorised by the RBI to generate a detailed credit record of an individual. A CIBIL score or a CIBIL report indicates your credit information and creditworthiness with a three-digit number, on a scale of 300-900. The score is a numerical indicator of your credit history which is calculated using your loan and credit repayment history and indicates your financial and credit health Banks and non-banking financial companies (NBFCs) take this score into account when you apply for a loan or a credit card with them.
The closer you are to a score of 900, the more confidence any institution will have in you, leading to greater chances of your credit card or a loan application being approved. At IDFC FIRST Bank, with a good credit score you can get maximum credit limit, minimum interest rates and apply for credit card or get a good loan offer.
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How to check your CIBIL score?
To get your free CIBIL report and CIBIL score, follow these steps:
- Click here to generate your free CIBIL report: https://www.cibil.com/freecibilscore
- On the webpage click on the tab “Get your Free CIBIL Score”
- Enter the required information as requested on the next page and click ‘Accept & Continue.’
- Enter the OTP you receive and click ‘Continue.’
- This will complete your enrolment on the CIBIL website. After this, click on ‘Go to Dashboard.’
- Once you land on the homepage, click on ‘Member Login’ to log into the account you just made.
- After a successful login, the site will display your CIBIL score.
Always pay your dues on time. Whether it is paying credit card bills or repayment of loans, ensure timely payments to get a good record in your CIBIL report.
Tips for maintaining a good CIBIL score
To maintain a good CIBIL score, remember these three things:
- Always pay your dues on time. Whether it is paying credit card bills or repayment of loans, ensure timely payments to get a good record in your CIBIL report.
- If you keep paying only miminum dues every month and avoid paying in full, your CIBIL score will be affected.
- Do not depend on just one form of debt. To build a good CIBIL score, it is also important that you borrow to the extent of your actual financial requirement from any financial institution and that you repay your dues on time as per the repayment schedule.
Keeping track of your CIBIL score and paying all the dues on time will help you maintain a great CIBIL report, which will, in turn, help you get the best deals from banks.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.
