Neutrino magnetic moments meet precision Neff measurements

In the early universe, Dirac neutrino magnetic moments due to their chirality-flipping nature could lead to thermal production of right-handed neutrinos, which would make a significant contribution to the effective neutrino number, N-eff. We present in this paper a dedicated computation of the neutrino chirality-flipping rate in the thermal plasma. With a careful and consistent treatment of soft scattering and the plasmon effect in finite temperature field theories, we find that neutrino magnetic moments above 2.7 x 10(-12)mu(B) have been excluded by current CMB and BBN measurements of N-eff, assuming flavor-universal and diagonal magnetic moments for all three generation of neutrinos. This limit is stronger than the latest bounds from XENONnT and LUX-ZEPLIN experiments and comparable with those from stellar cooling considerations.