Free Annual Credit Report to Individuals

Reserve Bank of India, has directed that with effect from 01/01/2017, all Credit Information Companies (CICs), upon request and after due authentication of the requester,shall provide access, to a free full credit report (FFCR) once in a calendar year to individuals whose credit history is available with them. This report shall show the latest position of the credit institutions’ exposure.

The FFCR shall be in electronic format, and the procedure for accessing it shall be displayed on the CIC’s website. The contents of the FFCR shall be the same as appearing in the most detailed version of the reports provided to credit institutions, including the credit score. 
Based on RBI notification dated 1/09/2016. For further details, please refer www.rbi.org.in