Your CIBIL score is more than just a number; it is a decisive factor influencing your eligibility for loans, credit cards, and other financial instruments. As financial institutions increasingly rely on this metric to gauge creditworthiness, individuals find themselves at a juncture where a well-managed score can open doors to favourable interest rates and financial opportunities. This piece aims to demystify the CIBIL score, offering insights into its calculation, the factors that shape it, and why accessing this information online for free is a proactive measure every financially conscious individual should undertake