682 CIBIL Score

682 CIBIL Score

Simple tips to improve your CIBIL Score and secure better financial options. Check your eligibility for personal loan with your phone and OTP.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40000 - Rs. 55 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

Check now

Enter mobile and OTP | Check offer | No branch visit needed

How to improve your 682 CIBIL Score?

Improving a 682 CIBIL score requires consistent credit management. Pay all EMIs, credit card bills, and other dues on time to build a strong repayment history. Keep your credit utilisation ratio below 30% to demonstrate responsible borrowing. Avoid frequent applications for loans or credit cards, as multiple hard inquiries can lower your score. Regularly review your CIBIL report to identify and correct errors or discrepancies. Maintaining a balanced credit mix of secured and unsecured loans can also strengthen your profile. With disciplined financial practices, you can gradually raise your score above 700, unlocking better financial products and terms.
 

✅  Check your eligibility for personal loan with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

Show More
Show Less

How does a 682 CIBIL Score impact interest rates?

A 682 CIBIL score often leads to higher interest rates and stricter loan terms, as lenders may view it as a moderate-risk score. Borrowers with this score can still qualify for credit but at higher costs compared to those with scores above 750. To access lower interest rates and more favourable terms, focus on improving your score through timely payments, low credit utilisation, and avoiding multiple credit inquiries. A higher CIBIL score signals financial reliability, enabling lenders to offer better interest rates and premium credit options. Improved credit management ensures long-term financial savings and broader opportunities.

Show More
Show Less

Related links


642 CIBIL Score650 CIBIL Score668 CIBIL Score
676 CIBIL Score661 CIBIL Score694 CIBIL Score
687 CIBIL Score732 CIBIL Score792 CIBIL Score
794 CIBIL Score796 CIBIL Score812 CIBIL Score

Show More
Show Less

Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30% p.a.

Processing fees

Up to 3.93% 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)

Will be deducted upfront from loan amount.

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:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

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.


Flexi Hybrid Term Loan:

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

Not your nearest branch?

Banner_NEW_Storelocator_XAOP_App_19012026.png

Related articles

Article 1

Read More

 Article 2

651 CIBIL Score

Jan 29, 2026

Read More

 Article 3

Read More

 Article 4

654 CIBIL Score

Jan 29, 2026

Read More

Related Links

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