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Check Free Credit Score with My Mudra
Know your credit standing instantly with My Mudra's trusted credit score check service — designed to help you understand your eligibility, improve approval chances, and move confidently toward the right loan or credit option.
Authorised credit bureau data
100% free and instant
No hard enquiry | No spam
Make informed financial decisions before you apply.
What is Credit Score?
A Credit score is a three-digit number that represents your creditworthiness, based on how you've managed loans and credit cards in the past. Lenders view credit score of their clients firsthand to assess risk before approving loans or credit cards.
Higher score = better approval chances + better loan terms
With My Mudra, you can check free Credit Score online and see where you stand before approaching any lender.
Why Checking Your Credit Score Matters
Your credit score directly influences:
Loan approval chances
Higher scores significantly improve your likelihood of loan approval
Interest rates offered to you
Better scores unlock lower interest rates and better terms
Credit limits you qualify for
Strong credit history leads to higher credit limits
Speed of lender decisions
Good scores mean faster processing and quicker approvals
A Credit score check in advance helps you avoid rejections and apply smarter.
How Credit Score Is Calculated
Your credit score is calculated using factors from your credit history, including:
Note: Experian (and other credit bureaus) use these to calculate your score, which typically ranges between 300–900.
Does checking your credit score affect it?
No, checking your own credit score (soft inquiry) does not lower your score. Only the lender-initiated hard enquiries can impact it.
What Impacts Your Credit Score the Most
Your credit score is influenced by these key factors:
Even small improvements like timely payments or lowering card usage can positively reflect in your credit report check over time.
How to Check Your Credit Score on My Mudra
It's quick and simple — just 4 easy steps
Click the button
Click the "Check Credit Score Online Securely" button above
Secure Login with OTP
Enter Mobile Number and get Verified with OTP
Enter your details
Enter your basic details (name, PAN, DOB, address)
View your score
Instantly view your credit score and credit report
With My Mudra, you can easily check credit score online and understand your credit status before applying for loans or credit services.
What Happens After You Check Your Credit Score on My Mudra?
You clearly understand your loan eligibility
You see where you stand before applying
You get access to relevant financial options, not random offers
You can move forward confidently — or improve your score first
Why You Can Trust My Mudra for Credit Score Check
Your security and privacy are our top priorities
No hard enquiry
Checking your score here does not affect it
No spam calls
Your details are never sold or misused
Data privacy assured
Secure systems and consent-based access
RBI-aligned usage
Credit data accessed only for permitted purposes
Trusted fintech platform
Serving borrowers across India
Your information stays yours. Always.
How My Mudra Sources Your Credit Score
My Mudra does not generate credit scores. Your credit score and credit report are securely fetched from authorised credit bureaus such as Experian and other recognised bureaus, in compliance with applicable RBI and data privacy guidelines.
My Mudra only facilitates access to your credit information
Scores are fetched with your explicit consent
Your data is used solely to show your credit profile and relevant financial options
This ensures transparency, accuracy, and complete regulatory compliance.
Credit Score Range in India
Understanding where your score falls
| Score Range | Credit Health |
|---|---|
| 300–549 | Poor |
| 550–649 | Fair |
| 650–749 | Good |
| 750–900 | Excellent |
| <300 / NH | No Score / Credit History |
Knowing your score range helps My Mudra match you with the right lenders.
What is a good Credit score?
Generally, a score above 750 is considered very good and increases your chances of loan or credit card approval at better terms.
What Your Credit Report Shows
Along with your score, you get a detailed credit report that includes:
Reviewing your credit report helps you identify errors and understand what lenders see.
How to Improve Your Credit Score
Take these actionable steps to boost your creditworthiness
Pay bills and EMIs on time
Punctual payments build trust
Keep credit utilisation low
Using less of your available credit helps
Avoid frequent new credit applications
Too many enquiries can hurt
Resolve report errors
Check your credit report and fix mistakes quickly
Maintain a healthy mix of credit
A balance of credit card + loan history looks positive
Checking your score on My Mudra helps you identify exactly which of these factors need attention.
How to increase credit score quickly?
Focus first on timely payments and lowering credit utilisation — small improvements here often reflect sooner on your score.
Why My Mudra Is Better Than Other Credit Score Platforms
Experience the difference with My Mudra
Not just a score but actionable next steps
Get personalized insights and recommendations
No pressure selling or spam
We respect your privacy and choices
Credit insights connected to real loan opportunities
Discover the right financial products for your profile
One platform for score check + loan discovery
Everything you need in one trusted place
Explore My Mudra's Financial Services
Based on your eligibility, you can explore:
Personal Loans
Business Loans
Home Loans
Professional Loans
Credit Cards
All from trusted banks and NBFCs in one place.
Frequently Asked Questions
Get answers to common questions about credit scores
What is the Credit score range in India?
Credit reports and scores in India generally range from 300 to 900. Higher means better creditworthiness.
Will checking my credit score lower it?
No, checking your own credit score is a soft check and does not impact your score.
How often should I check my credit score?
Monthly checks help you track progress and spot issues early.
What is a free credit report?
A free credit report includes your credit score and detailed credit history, useful to catch errors and understand your credit health.
What is an Experian credit report or Experian credit score?
Experian is another credit bureau. It issues Experian credit score reports similar to CIBIL and provides additional insights into your credit health.
How often can I check my Experian free credit score or report?
You can check your Experian free credit score anytime by signing in to your free Experian account. Depending on your region's regulatory requirements, you may also be entitled to a free credit report annually or even more frequently through authorised platforms.