613 CIBIL Score

A CIBIL score of 613 is generally considered subpar, placing it in the "fair" or "poor" range, depending on the rating model. This score indicates a higher risk for lenders, as it suggests past credit repayment issues or high credit utilisation. While not the lowest, it falls short of the 700-750 range typically deemed “good” for obtaining favourable loan terms or credit cards. However, a 613 score is not a dead end; with concerted effort, it can be improved, enhancing your financial prospects over time.
 

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Improving a 613 CIBIL score requires adopting disciplined financial habits:

• Pay Bills on Time: Late payments can significantly hurt your score. Timely payment of EMIs and credit card dues builds trust.
• Reduce Credit Utilisation: Aim to use less than 30% of your total credit limit to demonstrate responsible usage.
• Check Your Credit Report: Regularly review your report for errors and disputes that may drag down your score.
• Limit Credit Inquiries: Frequent loan or credit applications can lower your score.
• Clear Outstanding Debts: Paying off existing loans or credit card balances can boost your score gradually.

Patience and consistency are key, as significant improvements take time.

A 613 CIBIL score typically leads to higher interest rates on loans and credit products. Lenders view borrowers with such scores as higher risk, prompting them to mitigate potential losses with steeper rates. Additionally, low scores often lead to stricter loan terms, lower credit limits, or outright rejection for unsecured loans. Improving your score can significantly reduce these costs and widen your access to better financial products.

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.
    

Our representative will contact you for further steps.

Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

A 613 CIBIL score is a wake-up call to take charge of your financial health. While it poses challenges like high interest rates and limited credit options, proactive steps such as timely payments, debt reduction, and prudent credit usage can lead to gradual improvement. Elevating your score not only enhances borrowing opportunities but also strengthens overall financial stability.