FAQs
Video
Rs. 40,000 - Rs. 55 lakh
You may be eligible for a pre-approved offer
Enter mobile number and OTP | Check free credit score
In summary
A 675 CIBIL Score falls within the good range on the 300–900 scale but is closer to the lower end of this category. It indicates that you have demonstrated responsible credit behaviour, while also showing opportunities to strengthen your credit profile further.
Lenders consider your CIBIL Score along with factors such as repayment history, credit utilisation, existing financial commitments, income stability, and repayment capacity before deciding loan eligibility.
To improve your 675 CIBIL Score:
- Pay all EMIs and credit card bills on time.
- Keep credit utilisation within 30%–40% of your available credit limit.
- Avoid applying for multiple loans or credit cards within a short period.
- Review your credit report regularly and correct any errors.
Maintain consistent repayment habits over time.
A 675 CIBIL Score can improve your access to personal loans and other credit products, but eligibility and loan terms depend on your overall financial profile. Building stronger credit habits can help you move towards a higher score range and access potentially better borrowing options in the future.
How good is a 675 CIBIL Score?
A 675 CIBIL Score is considered good and indicates that you have maintained a reasonable credit history. While it may not provide the same advantages as higher scores, it can still support your eligibility for various credit products depending on your overall financial profile.
A score in this range can help you:
- Build stronger credit credibility: Consistent repayments can improve how lenders view your credit behaviour.
- Access financial products: You may be eligible for loans and credit cards based on lender-specific criteria.
- Improve future borrowing opportunities: Maintaining responsible habits can help you progress towards a higher score.
Strengthen your loan profile: A better score combined with stable income and repayment capacity can improve your overall application.
Since 675 is closer to the lower end of the good range, focusing on improving your credit habits can help you move towards a stronger credit position. Check your personal loan eligibility online using your mobile number and OTP to understand the loan options available based on your profile.
What else do lenders check beyond your CIBIL Score?
Your 675 CIBIL Score is one factor lenders consider when reviewing a loan application. They also evaluate your broader financial profile to understand your ability to manage repayments.
Key factors lenders review include:
- Repayment history: Timely payments of EMIs and credit card dues indicate responsible borrowing behaviour.
- Credit utilisation ratio: Lower usage of available credit shows better financial management.
- Existing obligations: Current loans and repayment commitments help lenders assess your repayment capacity.
- Credit enquiry history: Frequent applications for loans or credit cards may impact your credit profile.
- Income stability: Regular income helps lenders determine your ability to repay the borrowed amount.
Maintaining discipline across these areas along with improving your CIBIL Score can help strengthen your overall creditworthiness.
How a 675 CIBIL Score affects your personal loan
A 675 CIBIL Score can support your personal loan application by showing lenders that you have some experience managing credit responsibly. However, lenders also consider factors such as income, employment profile, existing obligations, and repayment capacity before determining eligibility.
With a 675 CIBIL Score, you may benefit from:
- Access to personal loan options: A good score can improve your chances of qualifying for a loan based on your overall profile.
- Better credit standing: Maintaining timely repayments can help strengthen your relationship with lenders.
- Improved borrowing potential: Combining a healthy score with stable income can support your eligibility for suitable loan amounts.
Opportunity to secure better terms: Improving your score further may help you access more favourable borrowing conditions.
If you are planning to apply for a personal loan, checking your eligibility can help you understand the options available based on your financial profile.
How a 675 CIBIL Score impacts interest rates
A 675 CIBIL Score can influence the interest rates and loan terms offered by lenders, as it helps them assess your credit risk. Since this score falls within the good range but is closer to the lower end, lenders may review your overall financial profile more closely before deciding the final terms.
Factors that can influence the interest rate offered include:
- Repayment history: A consistent record of paying EMIs and credit card bills on time can improve lender confidence.
- Existing financial commitments: Lower outstanding obligations may improve your repayment profile.
- Income and employment stability: A steady income source can support your loan application.
- Loan amount and tenure: The amount borrowed and repayment period can impact the applicable interest rate.
Improving your CIBIL Score over time can help strengthen your credit profile and may improve your chances of accessing more favourable loan terms in the future.
CIBIL Score range: What each band means
A CIBIL Score ranges from 300 to 900 and reflects your credit management history. A higher score generally indicates better credit health and can improve your chances of accessing suitable financial products.
| CIBIL Score range | Rating | What it means |
| 300-549 | Poor | Indicates a weak credit profile and may make it difficult to access loans due to higher perceived risk. |
| 550-649 | Fair | Shows limited credit strength and may require consistent efforts to improve repayment behaviour. |
| 650-749 | Good | Reflects responsible credit management and can support access to loans and credit products. |
| 750-900 | Excellent | Represents a strong credit profile and may help borrowers access more competitive loan terms. |
A 675 CIBIL Score falls within the 650–749 (Good) range. While it reflects responsible credit behaviour, improving your score further can help you move towards a stronger credit profile.
How to improve your 675 CIBIL Score?
A 675 CIBIL Score shows that you have a positive credit foundation, but there is scope to strengthen your profile. Improving your score requires consistent financial habits and responsible credit management.
You can work towards improving your score by:
- Making timely payments: Ensure all loan EMIs and credit card bills are paid before the due date to maintain a positive repayment record.
- Keeping credit utilisation under control: Avoid using a large portion of your available credit limit, as high utilisation may affect your score.
- Limiting new credit applications: Applying for multiple loans or credit cards within a short period can result in multiple enquiries on your credit report.
- Checking your credit report: Review your credit report periodically and raise disputes for any incorrect information.
- Managing existing debt responsibly: Reducing outstanding balances can help improve your overall financial position.
Maintaining a healthy credit mix: A balanced combination of secured and unsecured credit can support long-term credit health.
Improving a CIBIL Score takes time and consistency. By following responsible credit practices, you can gradually move towards a higher score range and improve your future borrowing opportunities.
Related Links:
| 608 Cibil Score | 613 Cibil Score |
| 637 Cibil Score | 640 Cibil Score |
| 644 Cibil Score | 645 Cibil Score |
| 648 Cibil Score | 674 Cibil Score |
Key offerings: 3 loan types
Personal loan interest rate and applicable charges
Type of fee | Applicable charges |
Rate of interest per annum | 10% to 30.5% p.a. |
Processing fees | Up to 4.13% of the loan amount (inclusive of applicable taxes). |
Flexi Facility Charge | Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) |
Bounce charges | Rs. 700 to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason. |
Part-prepayment charges | Full Pre-payment:
Part Pre-payment
|
Penal charge | Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.
Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure |
| Credit guarantee scheme fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year. *Renewal Fee to be collected only for 3 subsequent financial years. **If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. |
Not your nearest branch?
Frequently asked questions
Overview
A 675 CIBIL Score is fair but not fully good. It reflects moderate creditworthiness, possibly leading to higher interest rates and stricter lending conditions.
Yes, you can get a credit card with a 675 CIBIL Score. However, lenders might offer cards with lower credit limits or higher interest rates. Using the card responsibly and maintaining timely repayments can improve your credit score, eventually allowing access to better credit options.
A 600 credit score is generally the minimum required for loan approval, though terms may not be favourable. Lenders may offer loans with higher interest rates or stricter conditions to mitigate risk. Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Get funds in 24 hours*.
With a 600 credit score, the loan amount depends on your income and repayment capacity. While approval is possible, lenders may limit the amount and offer higher interest rates compared to higher credit scores. You can check your personal loan eligibility using just your mobile number and OTP through a 100% online process.
The minimum CIBIL score for a personal loan is typically 600. However, lenders prefer scores above 700, as they indicate lower credit risk and ensure access to better terms and interest rates.
Related articles
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000