CIBIL Score
Your CIBIL score is a 3-digit number (300–900) that summarises your credit history. It is one of several factors lenders consider — a stronger score generally widens your options and can influence pricing, but income, existing obligations and stability also matter.
Score bands (indicative)
750 – 900 — Excellent
Generally accesses the widest options and best pricing
700 – 749 — Good
Usually eligible with many lenders
650 – 699 — Fair
Options may be limited; terms can vary
300 – 649 — Needs work
Fewer options; may need specific lenders
Bands are indicative; each lender applies its own policy.
How to improve your score
- Pay all EMIs and credit-card bills on or before the due date
- Keep credit-card utilisation low (ideally well under the limit)
- Avoid multiple loan/card applications in a short period
- Maintain a healthy mix of secured and unsecured credit over time
- Check your report periodically and dispute any genuine errors
- Don't close old, well-managed credit lines abruptly
Worried about a low score? Read about getting a loan with a low CIBIL score or explore loan consolidation to simplify repayments.
Related CIBIL guides
- How to Improve Your CIBIL Score From 650 to 750
- How Many Loan Enquiries Are Too Many?
- Can I Get a Personal Loan With a 650 CIBIL Score?
- Personal Loan Rejected Multiple Times? What to Do Next
FAQ
CIBIL Score FAQs
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