does cibil score decrease if you check it

No, checking your CIBIL score yourself does not lower your credit score. When you check your own score, it is considered a "soft inquiry," which is purely informational and has no impact on your creditworthiness. A potential decrease only occurs with a "hard inquiry." This happens when a bank or financial institution checks your score while you are officially applying for a new loan or credit card. Multiple hard inquiries in a short timeframe can signal higher credit risk, which may slightly reduce your score.