CIBIL Score Rules 2025: What’s New and How It Affects Your Credit

Still wondering why your credit score changed twice this month? You’re not imagining it. Starting January 1, 2025, the Reserve Bank of India (RBI) rolled out new CIBIL score rules that update your credit profile every 15 days instead of monthly. These changes are designed to make borrowing fairer, faster, and more transparent.

Biweekly Score Updates Are Now the Norm

Earlier, credit scores were refreshed every 30–45 days, which meant delays in reflecting repayments or defaults. Now, if you pay off a loan or miss an EMI, it shows up within two weeks. That’s a big win for people trying to rebuild their credit.

Lenders Must Disclose Rejection Reasons

You might be wondering why your loan got rejected. Under the new rules, banks and NBFCs must clearly state if your CIBIL score was the reason. No more vague denials—this helps you fix what’s wrong and reapply with confidence.

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Real-Time Alerts for Credit Report Access

Every time someone checks your credit report—whether it’s a bank, employer, or fintech app—you’ll get an SMS or email alert. This protects you from unauthorized access and helps you spot fraud early.

30-Day Window to Fix Errors

If your credit report has a mistake, you now have 30 days to dispute it before it affects your loan application. Credit bureaus must resolve the issue within that window or pay ₹100 per day in penalties.

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Free Credit Reports and Pricing Snapshot

You’re entitled to one free credit report per year from each bureau. If you need more, here’s what it’ll cost in 2025:

What You Should Do Now

If you’re planning to apply for a loan or credit card, check your score first. Make sure your PAN and Aadhaar are linked, and dispute any errors quickly. With faster updates and stricter rules, your credit profile is more powerful than ever.