How to check your CIBIL score on PhonePe for free in 2026

Checking your credit score on PhonePe takes less than two minutes and is completely free. You only need the app, your PAN card number, and your full name. This guide explains the exact steps to find your score, whether it is safe, and why checking it will not lower your credit rating.

By Qrates research desk · 2026-11-01

Checking your CIBIL score on PhonePe takes less than two minutes. You only need your PAN card number and your full name to get your free credit report.

Quick answer

To check your credit score on PhonePe, open the app, tap the 'Credit' tab at the bottom, and select 'Credit Score'. You will need to enter your PAN card number and your full name. The check is completely free, counts as a soft inquiry, and does not lower your credit score (phonepe.com).

What you need before you start

The PhonePe app installed on your phone and logged into your UPI account.
Your Permanent Account Number (PAN).
Your full name exactly as it is printed on your PAN card.
The same mobile number you use on PhonePe must be linked to your bank accounts, credit cards, and loans.

How to check your CIBIL score on PhonePe

Open the PhonePe app on your phone.
Tap the 'Credit' icon located at the bottom right of the home screen.
Tap on the 'Check Now' or 'Credit Score' banner at the top of the screen.
Enter your PAN card number and your full name when prompted.
Check the box to give PhonePe permission to fetch your credit report from the credit bureau.
Tap 'Submit' to view your credit score and active loan details on the screen.

You can visit https://qrates.in/apps/credit-score to compare the data permissions PhonePe asks for against other free credit score apps.

How long it takes and what it costs

The entire process takes less than two minutes from opening the app to seeing your score. PhonePe provides this credit score check for free, with no hidden charges or subscription fees (phonepe.com).

Thanks to the July 2026 RBI rules on credit reporting, credit bureaus must update your data faster. This means your recent loan or credit card payments will reflect in this score much sooner. If you want to understand more about how to check your CIBIL score free and what the details mean, you can review our full guide.

Is it safe to check your credit score on PhonePe

Does checking CIBIL on PhonePe reduce your score

Checking your own credit score on PhonePe is called a soft inquiry (phonepe.com). A soft inquiry never lowers your credit score, no matter how many times you check it.

Is the PhonePe credit score real or fake

PhonePe does not generate the score itself. It acts as an agent to fetch your data from RBI-approved credit bureaus like Experian or TransUnion CIBIL (phonepe.com). The score you see is real, accurate, and based on your actual credit history with Indian banks and lenders. You can also download your free CIBIL report PDF using a PAN card if you need a formal document for your records.

If it does not work

If PhonePe cannot find your score, check that your PAN card number is typed correctly and matches the mobile number registered with your bank. If you have never taken a loan or a credit card, you will not have a credit score yet.

If you see a loan you do not recognize or a wrong late payment mark, you cannot fix it through PhonePe. You can raise a dispute directly with the lender or with the official website of the credit bureau that provided the report (rbi.org.in). The four credit bureaus operating in India are CIBIL, Experian, Equifax, and CRIF High Mark (rbi.org.in). If you are looking to remove an inquiry from your CIBIL report, there is a specific 30-day dispute process you must follow.

FAQs

How to check CIBIL score on PhonePe for free?

Open the app, go to the Credit section, enter your PAN details, and view your score at no cost.

PhonePe me CIBIL score kaise check kare?

PhonePe app open karein, niche 'Credit' par click karein, apna PAN number dalein aur apna free score dekhein.

Which credit bureau does PhonePe use?

PhonePe typically partners with Experian or TransUnion CIBIL to show your credit score.

PhonePe par CIBIL score check karne ke charges kya hai?

PhonePe par credit score check karna bilkul free hai, iske koi charges nahi hain.

The short version

PhonePe lets you check your credit score for free in the 'Credit' tab.
You only need your PAN card number and your full name.
Checking your own score is a soft inquiry and does not lower your score.
PhonePe fetches real data from RBI-approved bureaus like CIBIL and Experian.
Disputes about wrong data can be raised with your lender or the credit bureau.