does checking cibil score lower it

No, checking your CIBIL score yourself does not lower it. This is considered a 'soft inquiry' and has no negative impact on your creditworthiness. A potential, minor, and temporary dip in your score only occurs with a 'hard inquiry.' This happens when a bank or financial institution checks your score as part of a formal application for a loan or credit card. Regularly monitoring your own score is a smart financial habit that helps you detect errors and track your credit health.