does checking cibil score affect cibil score

No, checking your CIBIL score yourself does not lower it. This is considered a "soft inquiry," which is solely for your information and does not impact your credit score. Only a "hard inquiry," which occurs when a bank or financial institution checks your score after you formally apply for a loan or credit card, can cause a small, temporary dip. Regularly checking your CIBIL score is a recommended practice to monitor your financial health.