Janmudra Launches Free Credit Score Checks

Janmudra has rolled out a free credit score check feature directly on its platform, letting users view their CIBIL score without paying a fee and without any impact on the score itself. The feature is aimed at helping borrowers understand where they stand before they start applying for a loan, rather than finding out their eligibility only after submitting an application.

How it works

• Enter a few basic details, such as your PAN and mobile number, to pull your score
• Get your current CIBIL score and a summary of the key factors affecting it
• See loan offers on the platform matched to your current score band
• The check uses a soft inquiry, so it does not affect your credit score in any way

Checking your score before you apply has a real practical benefit: it helps you set realistic expectations about the interest rates and loan amounts you are likely to qualify for, and it gives you a chance to fix obvious issues, such as high credit utilisation or an overdue payment, before a lender sees your file. Because the check is a soft inquiry rather than a hard one, you can review your score as often as you like without worrying about it dragging your number down the way multiple loan or credit card applications would.

This feature is available to all users on the Janmudra platform at no cost. Borrowers who are planning to apply for a personal loan, business loan, or any other credit product are encouraged to check their score first, since it takes only a couple of minutes and can meaningfully change how you approach comparing loan offers.

Beyond the initial check, the score summary also flags the specific factors pulling your number up or down, such as high credit utilisation or a recent missed payment, so you know exactly what to fix before your next loan application rather than guessing. Janmudra plans to build on this feature with periodic score refreshes and simple reminders, so borrowers can keep an eye on their credit health between loan applications rather than only checking it right before they need credit.