759 CIBIL Score

759 CIBIL Score

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

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

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

759 CIBIL Score - Is it good or bad?

A 759 CIBIL score is excellent for Indian borrowers. It reflects a strong credit history and responsible credit management. Lenders view this score as highly reliable, offering you the best financial products, including loans and credit cards at favourable terms. With a 759 score, you can expect low-interest rates and quick approvals. This score showcases trustworthiness, putting you in an ideal position for borrowing.
 

✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

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How to improve your 759 CIBIL Score?

To improve your 745 CIBIL score, focus on making timely payments for credit card bills and loan EMIs. Reduce your credit utilisation to below 30% of your available limit, and avoid applying for too many loans or credit cards within a short period. Regularly review your credit report for errors and maintain a balanced credit mix. These efforts will help increase your score above 750.

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How does a 759 CIBIL Score impact interest rates?

A 759 CIBIL score ensures access to the lowest available interest rates from lenders. Borrowers with a score above 750 are seen as low-risk, making them eligible for premium financial products with competitive interest rates. Whether applying for loans or credit cards, this score positions you to receive the most favourable terms, reducing overall borrowing costs and increasing loan affordability.


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

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Benefits of having a 759 credit score

  • Improved loan approval chances: Lenders consider a 759 credit score favourable, increasing your likelihood of loan approval for various purposes like home mortgages, auto loans, and personal loans.
  • Lower interest rates: A higher credit score often translates to lower interest rates on loans and credit cards, saving you money in the long run.
  • Better credit card offers: You may qualify for premium credit cards with attractive rewards, low-interest rates, and exclusive perks.
  • Enhanced financial credibility: A 759 credit score demonstrates responsible financial behaviour, boosting your credibility with lenders and potential landlords.
  • Potential for higher credit limits: Lenders may offer higher credit limits on your existing cards, providing greater financial flexibility.
  • Peace of mind: Knowing you have a strong credit score can provide a sense of financial security and empower you to make informed financial decisions.
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How to apply for personal loan

Step-by-step guide to apply for a personal loan

  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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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% 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 levied on each instance in the event of: (i) dishonour of any payment instrument irrespective of whether the customer subsequently makes the payment through an alternate mode or channel on the same day; and/or (ii) non-payment of instalment(s) on their respective due dates where any payment instrument is not registered/furnished; and/or (iii) rejection or failure of mandate registration by the customer’s bank.

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) of the Dropline limit as per the repayment schedule as on the date of full prepayment.
Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment.

Part-prepayment

• Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-
• 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 0.472% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

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