When you turn 18, you do not automatically get a CIBIL score. A CIBIL score is generated only after you start creating a credit history, such as by using a credit card or taking a loan. If you have not used any credit product, there will be no credit history or score regardless of your age.
In summary:
- Turning 18 is the minimum age to apply for credit products like credit cards or loans.
- Your CIBIL score only starts to exist once you have credit activity reported.
- Without any credit history, your CIBIL score will not be generated automatically at age 18.
This means you need to actively build credit by taking loans, using a credit card, or becoming an authorized user on someone else's account to have a CIBIL score.
