does checking cibil score affect it

No, checking your own CIBIL Score does not affect it. This is a common misconception. When you access your credit score, it is classified as a 'soft inquiry' or 'soft check', and these types of inquiries have absolutely no impact on your credit standing. It is a good practice to regularly check your credit report to ensure all information is accurate and to monitor your financial health. Only a 'hard inquiry', which occurs when a lender checks your report after you formally apply for a new loan or credit card, has the potential to temporarily lower your score by a few points.