768 CIBIL Score

A 668 CIBIL score is considered average, reflecting moderate creditworthiness. While it is not a poor score, it is below the "good" range, which typically starts at 700. With this score, you may qualify for loans or credit cards, but the terms may include higher interest rates and stricter conditions. This score indicates that lenders might view you as a moderate-risk borrower. To improve your financial opportunities and access better credit products, focus on raising your score above 700. Responsible credit practices, such as timely payments and maintaining a low credit utilisation ratio, can help achieve this goal.
 

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Improving a 668 CIBIL score requires disciplined financial habits. Ensure timely repayment of all EMIs and credit card dues, as late payments negatively affect your score. Keep your credit utilisation ratio below 30% to show responsible borrowing. Avoid multiple credit applications, as they can result in hard inquiries and reduce your score. Regularly monitor your CIBIL report for errors and have them corrected promptly. Building a mix of secured and unsecured credit can also strengthen your profile. By adhering to these practices consistently, you can steadily improve your score, surpassing 700 and gaining access to better financial products and terms.

A 668 CIBIL score often leads to higher interest rates, as lenders view it as a moderate-risk score. While you may still qualify for credit, the borrowing terms may include higher EMIs and stricter repayment conditions. Improving your score above 750 can help you secure lower interest rates and better loan or credit card terms. Practising good financial habits, such as paying dues on time and maintaining a low credit utilisation ratio, can significantly improve your score. A higher CIBIL score demonstrates reliability, allowing lenders to offer you competitive interest rates and better financial opportunities.

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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.
 

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