The Reserve Bank of India (RBI) has made it mandatory for all credit information agencies in the country to give a free full credit report (FFCR) without any charge, on request, once a calendar year to individuals whose credit history is available. This rule has come into force from 1 January 2017. At present, there are four such companies in India: CRIF High Mark Credit Information Services Pvt. Ltd, Equifax Credit Information Services Pvt. Ltd, Experian Credit Information Co. of India Pvt. Ltd and Transunion CIBIL Ltd. Thus, you can actually have four credit reports for free each year, as you can get one from each company.
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