When does CIBIL Score Be an Update Date Every Month?

Your CIBIL score is a reflection of your credit behavior, updated every month to give lenders the most accurate view of your repayment history. Knowing the exact CIBIL update date can also keep you in control as you take timely actions to improve your credit profile.

Banks and NBFCs report your account activity by the 4th working day each month. Based on these reports, CIBIL processes and updates scores around the 10th of every month. It is considered a regular CIBIL score update date every month. In a case where the 10th falls on a weekend or bank holiday, the date of updating the credit score shifts by 1–2 days.

So, how often is your CIBIL score recalculated? Generally, it is done once a month, but any new repayment activity, like a loan EMI or credit-card bill, will be included in the next cycle. Make sure you clear dues before month-end so that your positive credit activity shows up in the next update.

To detect and correct errors as quickly as possible, always check your CIBIL report after the monthly CIBIL score update date. Understanding when the CIBIL score is updated helps in better planning and maintaining good credit health.

Suggested Read: Quick Tips for Boosting Your CIBIL Score