35L+ Users

Get free credit score & report

Free credit score check without impacting it

Get free credit score & report

Free credit score check without impacting it

Why take Fi’s free credit score check?

Free weekly credit score checks

2-step process, without downloading apps

Check your credit score trends

Analyse your credit report on multiple aspects

Get the best card and pre-approved loan offers

Identify issues & report them

Spot hidden loan accounts

Free weekly credit score checks

2-step process, without downloading apps

Check your credit score trends

Analyse your credit report on multiple aspects

Get the best card and pre-approved loan offers

Identify issues & report them

Spot hidden loan accounts

Get the best loan offers up to ₹5,00,000 based on your credit score

What does your CIBIL score mean?

800-900: Excellent

Eligible for best interest rates on loans, top-notch credit limits and financial products

750-799: Very good

Creditworthy. Chances of loan and credit card approvals are very high

700-749: Good

Generally responsible with credit but not eligible for excellent credit products

650-699: Fair

Indicates credit issues. CIBIL score should be improved to get better loan offers

300-649: Poor

Critically damaged credit. Significant credit score improvement is required for loans, cards etc

How to maintain a healthy CIBIL score

Consistently performing CIBIL score check
Pay your credit card bills & EMIs on time
Avoid high credit card utilisation frequently
Make sure your profile details are consistent across loan accounts
Diversify across different credit products
Identify errors and report them
Avoid applying for multiple loans and credit cards at a time

Get the best loan offers up to ₹5,00,000 based on your credit score

Credit score check – frequently asked questions

Will my credit score be affected by a free CIBIL score check?

No, checking your credit report or CIBIL score check is a "soft inquiry" and does not impact your score. This applies to other credit bureau reports as well. Experian powers free and secure credit score checks on Fi.

How to improve my CIBIL score?

Frequent CIBIL score checks, paying off your EMIs on time, limiting high credit usage, identifying errors in your credit report, and other measures can help maintain and improve your credit score.

What is a good credit score?

700-749 is generally considered a good credit score range. With responsible credit management, you can raise your CIBIL score to 750-900, which indicates excellent credit health. You can get a CIBIL score check for free on Fi.

Is a 900 credit score possible?

Yes, a 900 credit score, representing the highest level of creditworthiness, is possible. It is rare, though, and aiming to maintain a CIBIL score above 750 should help you achieve good credit health.

Disclaimer: All content on this website is for informational purposes only and may not be accurate. It should not be viewed as recommendation,advice or endorsement. Please consult your advisor before making any decisions.

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Unified Payments Interface (UPI)	Epifi Technologies Pvt. Ltd ('Epifi Tech') is a Third-Party App Provider ('TPAP') - and acts as a service provider and participates in UPI through a Payment Service Provider ('PSP') Bank (Federal Bank).
Savings Account and Deposits	Federal Bank offers savings account, fixed deposits and smart deposits to users on the Fi App (through Epifi Tech). Users' savings account and deposits are securely opened with Federal Bank. Epifi Tech itself is not a bank and doesn't hold or claim to have a banking license.
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Loans	Epifi Tech facilitates loan distribution and acts as a lending service provider and/or digital lending application for various Banks, registered NBFCs and NBFC-P2P ('Lenders') List of Lenders. Epifi Tech only provides a platform that enables you to avail instant loans. Epifi Tech is not a lender; neither does it represent to be a lender in its own capacity. The Lenders provide you personal loans as per their policies

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1. Net Worth: Helps users get a view of their financial Net Worth — in accordance with their assets & liabilities

2. Wealth Maximiser: Analyses your finances, shares financial reports to make informed money decisions

These products are governed by our Terms and Conditions, Privacy Policy, and any other product and partner specific terms and conditions as communicated to you.

Fi is a money management platform that offers the perfect solution for all your financial needs. The Federal Bank Savings Account offered through Fi is an online savings account that you can open in 3 minutes! It goes beyond online account opening, as it has helped reimagine the banking experience in India

Through Fi, you can do more: apply for an instant personal loan, pick from many types of Mutual Funds, select the best SIP to invest in US Stocks, apply for a forex-free Debit Card (works for select account plans) to use while travelling abroad, analyse/improve their portfolio, get a 360-degree view of your spend insights and take steps building wealth.

You can also utilise Fi's free personal loan resources, such as the Personal Loan and EMI calculator, before proceeding to the quick loan application process. All of this is why over 35 lakh Indians feel that Fi is the only financial app you will ever need.

Why take Fi’s free credit score check?

Get the best loan offers up to ₹5,00,000 based on your credit score

What does your CIBIL score mean?

800-900: Excellent

750-799: Very good

700-749: Good

650-699: Fair

300-649: Poor

How to maintain a healthy CIBIL score

Get the best loan offers up to ₹5,00,000 based on your credit score

Credit score check – frequently asked questions

Will my credit score be affected by a free CIBIL score check?

How to improve my CIBIL score?

What is a good credit score?

Is a 900 credit score possible?

More calculators

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Know your money

Grow your money

Pay with Fi

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Borrow

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Unified Payments Interface (UPI)

Savings Account and Deposits

Cards

Loans

Insights