786 CIBIL Score

A CIBIL Score of 786 is generally considered very good. It indicates that an individual has been managing credit responsibly and has a strong track record of timely payments. Lenders view such a score as low-risk, making it easier to secure loans, credit cards, or mortgages at favourable interest rates.
 

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• Easier loan approval: With a 786 CIBIL Score, financial institutions are more likely to approve loan applications quickly.
• Lower interest rates: A high CIBIL Score often results in access to better interest rates, saving money over the life of the loan.
• Higher credit limits: Individuals with good CIBIL Scores are often offered higher credit limits, providing greater financial flexibility.
• Better credit card offers: A 786 score opens the door to premium credit cards, which come with benefits like cashback, rewards, and travel perks.

• Timely payments: Continue making all loan EMIs and credit card bills on or before the due date. Payment history plays a major role in your CIBIL Score, and even one missed or delayed payment can have a negative impact. Consistent on-time payments show lenders that you are reliable and financially disciplined, which can help preserve and even improve your score over time.
• Credit utilisation: Keep your credit utilisation ratio below 30% of your total available credit limit. Using too much of your credit signals financial stress to lenders and can pull your score down. Maintaining a low utilisation ratio reflects responsible credit behaviour and helps strengthen your overall credit profile.

1. Pay your bills on time

Your payment history is a key factor in your CIBIL Score. Make sure you consistently pay all your bills before their due dates. Setting up automatic payments or reminders can help.
 

2. Keep your credit utilisation low

Maintain your credit utilisation ratio below 30%. This means using less than 30% of your total credit limit. If possible, aim to reduce it further to improve your score.
 

3. Limit hard inquiries

Each time you apply for credit, a hard inquiry is made on your report, which can slightly lower your score. Try to minimise such applications, especially within short time frames.
 

4. Diversify your credit mix

Having a balanced mix of credit, like credit cards and loans, can positively impact your score. Ensure you're handling these responsibly.

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 in just 2 steps and plan your expenses comfortably.

Improving a 786 CIBIL Score takes time and consistent financial discipline. By focusing on timely payments, managing credit utilisation, and diversifying your credit, you can inch closer to a perfect score. Small adjustments can lead to significant long-term benefits in your financial health.