Because Equifax and CIBIL are independent bureaus, their refresh cycles work differently on Fold:
Equifax (Free): Your score will automatically refresh monthly, on the 15th of every month. You don't need to manually trigger anything; simply open the app on or after the 15th to see your latest data.
CIBIL (Fold Plus): Once linked, you can manually trigger a CIBIL refresh once every 30 days. You are allowed a maximum of 5 CIBIL refreshes per year.
Currently, you are capped at 5 CIBIL refreshes per calendar year. However, coming soon, Fold will introduce a feature allowing you to purchase additional CIBIL refreshes on demand if you run out of your annual quota.