Have these ready before you start
- Your PAN, full name as it appears on PAN, and DOB
- An active mobile number — the bureau OTPs to it
- Memory of any one recent loan / credit card / EMI (for the identity-verification question)
- 10 minutes — and a steady internet connection (these portals time out badly)
Step by step
- 1
Pick a bureau
You only need a report from ONE bureau (any of CIBIL, Experian, CRIF, Equifax). All four typically show the same loans because most lenders report to all four bureaus — there can be small variances if a lender skipped a filing cycle, but the picture is broadly the same. CIBIL is the most common; TransUnion's coverage is broadest in India.
- 2
Go to the bureau's free-report page
CIBIL: www.cibil.com → 'Get your CIBIL Score' → look for the 'Free Annual Report' option (it's tucked in; ignore the prominent paid subscription tiles).
- 3
Sign up with PAN + DOB + mobile
Enter your PAN, full name, DOB, and mobile. The bureau verifies via OTP. You may also be asked an identity-verification question (recent loan, EMI, etc.) — answer from memory; bureaus tolerate one wrong answer.
- 4
Choose 'Free Report' (not 'Subscription')
After signup, select the FREE annual report. Bureaus aggressively upsell paid plans — read carefully, click only the free option. Charges show on the next screen if you accidentally pick a paid tier.
- 5
Download the PDF
The report arrives instantly as a PDF download. Save it locally and upload to Sajag's bureau slot. Sajag will list every loan + card with current balances, EMIs, and rates.
Prefer a video walkthrough?
Portal UIs change often, so we link a curated YouTube search instead of one specific video. Pick whichever recent tutorial you like — they all show the same flow.
Watch on YouTubeIf the PDF asks for a password
Varies by bureau and by report flavour — common derivations include PAN (uppercase), DOB in DDMMYYYY, or a first-name-fragment + DOB combo. Each bureau's download email tells you which one applies; Sajag's parser also auto-tries the usual suspects so most uploads unlock without you typing anything.
Sajag’s parser also tries common derivations automatically (PAN, DOB combinations, last-4 of mobile, bank-specific schemes). You usually won’t need to type the password during upload.
Common gotchas
Free report is once per calendar year per bureau. If you've already pulled CIBIL this year, try Experian or CRIF — they each give one free report too.
Paid CIBIL subscriptions exist and they're often pre-checked at signup. Look for and uncheck them, or you'll be charged ₹500–₹2,000.
If the bureau's identity questions block you (too-old credit history), call their support — they can verify manually.
Score numbers differ slightly across bureaus (700 on CIBIL ≠ 700 on Experian). Sajag reads the score from whichever bureau report you upload.
Portals you’ll use
Other download guides