Wishfin CIBIL Score Check

New CIBIL 3.0 Launch:
Now you can access your free credit score with the Wishfin CIBIL Score App. This tool enables you to monitor your CIBIL Score on a monthly basis, aiding in future credit card or personal loan applications with greater likelihood of approval. The newly redesigned app interface enhances user experience.

Key Considerations regarding CIBIL Score:
· Your CIBIL Score consists of a three-digit number representing your creditworthiness, ranging from 300 to a maximum of 900. A score nearing 900 is deemed favorable by financial institutions, while closer to 300 indicates a weaker credit standing. Regularly monitoring your CIBIL Score is crucial for informed financial decisions.
· Wishfin stands as the inaugural official fintech partner of TransUnion CIBIL (Credit Information Bureau of India), the organization responsible for supplying official CIBIL scores.
· Checking your CIBIL Score using the Wishfin App each month has no impact on your overall Credit Score.
· All information provided is directly transmitted to TransUnion CIBIL, ensuring secure and protected data handling.
· A score of 0 or -1 does not necessarily signify poor credit; rather, it indicates a lack of credit history. Once you initiate credit card usage or EMI payments, your credit history begins to evolve.


Highlights of the Wishfin App:
· Complimentary 12-month CIBIL Score assessment
· Oversight of Card Repayment Status & Credit Utilization
· Comprehensive Credit Report & History insights
· Real-time tracking of Credit Score progression
· Location-Based credit card offers search feature
· Tailored product recommendations based on your free CIBIL Score.
. Selection from an extensive array of Personal Loans offered by leading Indian Banks like HDFC Bank Limited and NBFCs such as Tata Capital Limited, DMI Finance Private Limited, Bajaj Finserv Limited, Piramal Capital and Housing Finance Limited, IIFL Finance Limited


Individuals considering a Personal Loan should note the following:
. Loan values range from ₹10,000 to ₹50 Lacs.
. APR (Annual Percentage Rate) for a personal loan varies between 10.50% and 28% based on the applicant's profile and the lender.
. Repayment duration spans from 12 to 60 months.
. Processing fees vary from 2% to 4%.

Illustrative Scenario:
If availing a principal amount of ₹500,000 at an APR of 20% over a 3-year repayment tenure, the Total Loan Cost is itemized below:

Equated Monthly Installment (EMI): ₹18,582
Total Interest Charges: ₹168,945
Loan Processing Fees @ 2%: ₹10,000
Documentation Charges: ₹500
Amortization Schedule Charges: ₹200
Total Loan Cost: ₹679,645

. Altering payment modes or missing EMIs may attract additional charges as per the lender's policy.
. Pre-payment terms are subject to the lender's discretion with varying charges applicable.


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About Wishfin:
Wishfin operates customer-centric, impartial financial platforms that utilize proprietary technology to aid customers in finding optimal banking solutions. To equip users, Wishfin renders complimentary CIBIL credit scores. With a clientele exceeding 40 million, Wishfin has facilitated credit disbursements exceeding ₹25,000 Crore through its platform.
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