Is 761 CIBIL Score good or bad?

Yes, a 761 CIBIL Score is excellent. It indicates that you have managed your credit well, making you eligible for loans and credit cards with favourable terms. Lenders will likely offer you low-interest rates and quick approvals, as your score reflects low credit risk. This score ensures access to premium financial products. Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

Can I get a credit card with 761?

Yes, with a 761 credit score, you can easily qualify for a credit card. This excellent score makes you eligible for premium credit cards with rewards, low-interest rates, and exclusive benefits. Lenders will see you as a highly reliable borrower, providing access to the best credit card offers with favourable terms and competitive rewards.

How much can you finance with a 761 credit score?

A 761 credit score is considered excellent. This means you're likely eligible for significant loan amounts and favourable terms from lenders. The exact amount you can finance depends on factors like your income, debt-to-income ratio, and the type of loan you're seeking. However, with a 761 credit score, you're in a strong position to secure substantial financing.

How to increase credit score from 761?

While a 761 credit score is already excellent, there are several steps you can take to maintain and potentially improve it further: Pay bills on time: Consistent and timely payments are crucial for a strong credit score. Keep credit utilisation low: Aim to keep your credit utilisation ratio below 30%. Limit new credit inquiries: Avoid applying for multiple credit cards or loans within a short period. Monitor your credit report: Regularly check your credit report for errors and discrepancies. Consider a credit builder loan: This type of loan can help improve your credit score by demonstrating responsible borrowing and repayment habits.

Is a CIBIL 761 Score Good? What it Means to You?

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

761 CIBIL Score - Is it good or bad?

A 761 CIBIL Score is excellent for Indian borrowers. It indicates strong credit management and financial discipline. Lenders view this score as highly favourable, allowing you to access premium financial products, such as loans and credit cards, with the best terms. With a score above 750, you can expect quick approvals, lower interest rates, and access to exclusive credit offers.

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

Show Less

How to improve your 761 CIBIL Score?

Although a 761 CIBIL Score is already excellent, maintaining or improving it requires consistent financial habits. Pay your loans and credit card bills on time, keep your credit utilisation below 30%, and avoid making multiple credit inquiries within a short period. Regularly monitor your credit report for discrepancies. By maintaining these habits, you can keep your score strong and possibly increase it further.

Show Less

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.

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

Show Less

How does a 761 CIBIL Score impact interest rates?

A 761 CIBIL Score allows you to access the lowest available interest rates. Lenders view this score as a sign of low credit risk, offering premium products such as loans and credit cards at competitive rates. Borrowers with this score are in a strong position to secure the most favourable interest rates, reducing their overall borrowing costs.

Show Less

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

Know how CIBIL score is important for personal lending

Jan 27, 2026

how-outstanding-debt-affects-your-credit-score 2

How is Your CIBIL Score Calculated?

May 25, 2021

CIBIL Charges in India

Jan 28, 2026

Jan 20, 2026

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

761 CIBIL Score

Loan Types

Calculator

FAQs

Video

Rs. 40000 - Rs. 55 lakh

761 CIBIL Score - Is it good or bad?

How to improve your 761 CIBIL Score?

How to apply for personal loan

How does a 761 CIBIL Score impact interest rates?

Key offerings: 3 loan types

Personal loan interest rate and applicable charges

Not your nearest branch?

Related articles

Disclaimer

Loans

Insurance

Finance for Professionals

Investments

Pocket Subscription

Bajaj Mall

Services

Wallets & Cards

Value Added Services

Payments

761 CIBIL Score

Loan Types

Calculator

FAQs

Video

Rs. 40000 - Rs. 55 lakh

761 CIBIL Score - Is it good or bad?

How to improve your 761 CIBIL Score?

How to apply for personal loan

How does a 761 CIBIL Score impact interest rates?

Key offerings: 3 loan types

Personal loan interest rate and applicable charges

Not your nearest branch?

Related articles

Related Links

Disclaimer