TransUnion CIBIL is India’s most well-known Credit Information Company. It is entrusted with recording and maintaining data pertaining to the credit behaviour and credit history of both individuals and companies. Consumers- both individuals and companies, can have an insight into their credit-worthiness by accessing their respective CIBIL Score/CIBIL Rank and CIBIL Reports.
To do so, customers must register themselves on the CIBIL online portal and log into their CIBIL account. Once logged in, you can enjoy benefits and services including credit monitoring and dispute resolution.The article discusses in detail various key aspects relating to CIBIL, like the registration and login process, documents required for registration, advantages and important aspects pertaining to CIBIL login and registration, etc.
CIBIL Registration Process for Individuals
Step 1: Visit the official website of CIBIL at ( https://cibil.com)
Step 2: Click on the ‘Get Your CIBIL Score’ button to choose the plan you need.
Step 3: Enter your personal details such as name, email address, government ID type, ID number, and mobile number in the first tab of the form, ‘Create your account’.
Step 4: Click on ‘Accept & Continue’ to move to the second section of the form, ‘Verify your Identity’.
Step 5: Once you complete the section, you can move on to the ‘Payment’ section to make payment for the subscription.
Step 6: Upon payment, you are successfully registered with the site. Log in to your account to access the site’s features.
CIBIL Registration Process for Companies
Step 1: Visit the URL https://cibilrank.cibil.com/
Step 2: Fill in your company details in the form such as company name, entity type, ID type, ID value, GSTN value, registered office address, state, city, PIN, and the contact details of the authorised signatory.
Step 3: Upon filling the details, click on the ‘Proceed’ button.
Step 4: Make the payment of Rs.3,000 via net banking or credit/debit card.
Step 5: A unique CIBIL Registration ID and payment transaction ID will be sent to the email address registered with this company account.
Step 6: Log in with your credentials to access your account.
Step 7: Alternatively, you can download the form, fill in the necessary information, and send it to the postal address or the email address given below:
TransUnion CIBIL Limited,
One Indiabulls Centre,
Tower 2A, 19th Floor, Senapati Bapat Marg,
Elphinstone Road, Mumbai – 400 013
CIBIL Login Process for Individuals
Step 1: Click on the ‘Get Your CIBIL Score’ button on the homepage of the CIBIL website.
Step 2: Click on ‘Member Login’ to get redirected to the login page.
Step 3: Enter your username and password in the respective fields to log in to your account.
Step 4: Click on the ‘Enter’ button to land into your dashboard.
CIBIL Login Process for Companies
Step 1: Log in to your account on the official site of CIBIL.
Step 2: On your first login, submit KYC documents for the authorised personnel to verify your account and deliver the CIBIL rank and report.
List of KYC Documents for CIBIL Registration
You must make sure that the address mentioned while registering on the site must match with the address mentioned in government-issued KYC documents. This is applicable to both individuals and companies. The acceptable proofs are listed below:
- Identity Proof—PAN card, Aadhaar card, passport, voter’s ID card, and driver’s licence.
- Address Proof—Bank passbook, electricity bill, and telephone bill.
- Address Proof—Bank account statement, electricity bill, and telephone bill.
How to Upload these Documents?
Step 1: Visit the URL https://www.cibil.com/kyc-upload.
Step 2: You will see two options—one for individuals and the other for companies. Choose the option suitable for you and click the ‘Submit’ button.
Step 3: If you choose the option for individuals, you will be redirected to a page where you must enter details of identity proof and address proof. Also, upload the relevant proof documents for verification. Click on ‘Submit’ to complete the KYC upload process.
Step 3: If you have chosen the company credit report option, you must provide KYC-compliant address proof and upload the proofs. Click the ‘Submit’ button to complete the process.
Step 5: Alternatively, you can gather physical copies of all the necessary documents based on your category and send them to:
TransUnion CIBIL Limited
One Indiabulls Centre, Tower 2A, 19th Floor,
Senapati Bapat Marg, Lower Parel,
Mumbai – 400 013
Benefits of CIBIL Registration and Login
- Enjoy a discount per report on membership.
- Get regular online access to your CIBIL Score and Credit Report.
- Get pre-approved customized loan and credit card offers at competitive rates.
- Resolve disputes with great ease online and also avail one free credit report when the credit institution accepts changes in credit report.
- Manage your finances smartly with regular access to your credit report.
- Consumers can get pre-approved and customised loan offers at competitive rates.
- CIBIL subscription can enable companies to monitor their credit health and improve their credibility which may help them in the approval of business loans.
Frequently Asked Questions (FAQs)
Q. Can I get a free Credit Report from CIBIL?
A.Individuals can get their CIBIL Score and Report without any charge once a year. However, commercial enterprises must register themselves and pay Rs. 3000 to get their one time Company Credit Report and CIBIL Rank.
Q. Is it possible to get another CIBIL Score and Report within the same year?
A.In case you have already secured your Free CIBIL Score and Report for the year and want to continue monitoring your credit history, you can register yourself with CIBIL and subscribe to a suitable plan for a fee.
Q. What is myCIBIL?
A.As soon as you successfully register yourself with CIBIL and your KYC documents are received and verified, you can login to the CIBIL online portal-myCIBIL, using your registered email id and password. It is a single platform that allows you to access key services like access to your CIBIL Score/Report, raising a dispute, applying for a loan and renewing your subscription.
Q. How can I view my latest CIBIL Score and CIR from myCIBIL?
A.You can view your latest CIBIL Score and CIR by logging into myCIBIL and clicking on the ‘View Report’ tab on the homepage.
Q. What is the process to renew my CIBIL Subscription?
A.You can renew your subscription by following the steps given below:
- Log into myCIBIL.
- Click on ‘Renew Subscription’ on the Dashboard Page.
- Follow the instructions on the page and make the required payment.
Q. Does logging in to myCIBIL portal allow me to access my past reports?
A.Yes, you can login to myCIBIL portal to gain access to your past reports. On the top right of the Dashboard Page of myCIBIL portal, click on the ‘History’ tab to gain access to your past reports.