does checking cibil score reduce it

No, checking your CIBIL score yourself does not reduce it. When you access your own credit score, it is considered a 'soft inquiry,' which has no negative impact on your credit points. Your score is only potentially affected by a 'hard inquiry.' This occurs when you apply for a loan or credit card, and a bank or financial institution requests your report for assessment. Multiple hard inquiries in a short period can slightly lower your score, as lenders may see it as a higher credit risk. Regular self-monitoring is highly recommended.