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In summary
A 746 CIBIL Score is considered good by lenders. It supports access to personal loans and credit cards, depending on the full financial profile. However, final approval still depends on income stability, repayment history, and existing loans.
To maintain your 746 CIBIL Score:
• Pay EMIs and bills on time to maintain a clean repayment record
• Keep credit usage below 30%–40% to show disciplined borrowing
• Avoid multiple loan applications in a short time
A CIBIL Score reflects repayment behavior and financial discipline. A stable score improves loan approval chances and helps access better financial terms over time.
How good is a 746 CIBIL Score?
A 746 CIBIL Score is a stable good-range score. It shows responsible credit usage and consistent repayment behaviour over time.
At this level, lenders consider the borrower moderately low risk, which supports credit approval in many cases.
• Good approval chances: Many lenders approve loans based on income and repayment history
• Moderate interest rates: Loan pricing is reasonable but not the lowest available
• Basic to mid credit access: Personal loans and standard credit cards are generally available
A 746 CIBIL Score is close to the excellent range, so small improvements can help unlock better loan offers. Check your personal loan eligibility in just 2 steps to understand how much you can qualify for — without affecting your score.
What else do lenders check beyond your CIBIL Score?
Even with a 746 CIBIL Score, lenders assess the full financial profile before approval.
• Repayment history: Timely payments show financial discipline and reduce risk perception
• Credit utilisation: Lower usage of credit limits shows controlled spending behaviour
• Existing loans: Current EMIs affect repayment capacity and loan eligibility
• Credit enquiries: Multiple applications in a short time may signal financial stress
• Income stability: Regular income improves repayment confidence
A balanced financial profile helps strengthen approval chances and loan conditions.
How a 746 CIBIL Score affects your personal loan
A 746 CIBIL Score supports access to a personal loan with fair and stable terms.
With a 746 CIBIL Score:
• Loan approval chances are good if income and repayment capacity are stable
• Interest rates are moderate and may improve with a higher score
• Loan amount eligibility depends on income and existing financial obligations
• Processing is generally smooth but includes standard verification checks
A personal loan becomes easier to access when credit behaviour is consistent and income is stable. Check your eligibility now and plan your expenses with confidence.
How a 746 CIBIL Score impacts interest rates
A 746 CIBIL Score helps borrowers access reasonable interest rates, but not the lowest available.
For example, two applicants apply for a Rs. 5 lakh personal loan. One has a 700 CIBIL Score and another has 746. The 746 score holder is more likely to receive a better interest rate, reducing total repayment cost over time.
Even small differences in interest rates can affect the total amount paid across the loan tenure.
CIBIL Score range: What each band means
| CIBIL Score Range | Rating | What It Means |
|---|---|---|
| 300–549 | Poor | High risk, loan approval is difficult |
| 550–649 | Fair | Limited approval with higher interest rates |
| 650–749 | Good | Stable approval chances with moderate terms |
| 750–900 | Excellent | Strong approval chances with better loan offers |
A 746 CIBIL Score falls in the good range, close to excellent, which supports loan approval but still benefits from improvement.
How to maintain your 746 CIBIL Score
A stable CIBIL Score requires consistent financial discipline.
• Pay EMIs and credit card bills on time to maintain a clean repayment record and avoid negative reporting
• Keep credit utilisation within safe limits to show controlled borrowing behaviour
• Avoid frequent loan applications to prevent unnecessary credit enquiries
• Maintain a balanced credit mix to show responsible financial management
A 746 CIBIL Score reflects good credit behaviour. Maintaining it and improving it further can help unlock better loan terms and lower borrowing costs.
Related Links
| 773 cibil score | 763 cibil score | 778 cibil score |
| 743 cibil score | 768 cibil score | 761 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. |
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Frequently asked questions
Overview
Improvement
Yes, a 746 CIBIL Score is good. It shows that you have responsibly managed your credit, making you a favourable candidate for loan approvals and credit cards. Though a slightly higher score could unlock better interest rates, a 746 score still ensures access to financial products with competitive terms, helping you meet your financial goals.
No, a 746 credit score is not bad. It falls in the good range and reflects sound credit management. While improving your score beyond 750 may give you access to lower interest rates and premium offers, a 746 score still qualifies you for most loans and credit cards. It shows lenders that you are a reliable borrower. Check your eligibility in just 2 steps and plan your expenses comfortably.
Yes, with a 746 credit score, you can easily qualify for a credit card. Most banks in India consider this score good, which increases your chances of approval. However, the specific benefits, such as rewards or interest rates, might vary based on the bank’s policies. Improving your score further could give you access to better card options. Check your offer in just 2 steps and apply online to get our loan.
While there's no universal minimum CIBIL score for personal loans, lenders typically prefer scores above 750. However, some lenders may consider applicants with lower scores, often with higher interest rates and stricter terms.
To increase your credit score from 746, consider these strategies:
- Pay bills on time: Consistent timely payments are crucial.
- Maintain low credit utilisation: Keep your credit card balances low compared to your credit limit.
- Limit new credit applications: Avoid applying for multiple credit cards or loans simultaneously.
- Dispute errors: Correct any inaccuracies on your credit report.
- Consider a credit builder loan: Responsible repayment can positively impact your score.
The amount you can finance with a 746 credit score varies based on factors like income, employment history, debt-to-income ratio, and the lender's specific criteria. A higher credit score generally indicates lower risk to lenders, potentially leading to higher loan amounts and better interest rates.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
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