Is 788 CIBIL score good?

Yes, a 788 CIBIL score is excellent. It shows responsible credit management, making you a low-risk borrower. Lenders are likely to approve loans and credit cards with favourable interest rates and terms.

Can I get a credit card with 788?

No, a 788 credit score is not bad. It is an excellent score that reflects strong financial habits. Lenders will likely offer you loans and credit cards with attractive interest rates and higher credit limits.

Is 788 credit score needed for a loan?

A 788 credit score is not strictly needed for a loan, but it significantly improves your chances of approval and secures favourable terms. This excellent score indicates responsible financial behaviour, making you a low-risk borrower. Lenders often offer lower interest rates and higher loan amounts to individuals with such strong credit histories. Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Get funds in 30 minutes*.

How much can you finance with a 788 credit score?

The amount you can finance with a 788 credit score depends on various factors including your income, debt-to-income ratio, and the type of loan you're seeking. However, a strong credit score like 788 positions you to potentially secure higher loan amounts and better interest rates compared to those with lower scores.

What is the lowest CIBIL score for a personal loan?

While there's no universal minimum CIBIL score for personal loans, lenders typically prefer scores above 700. However, some lenders may consider applicants with scores as low as 650, especially if they have a stable income and a good repayment history. It's important to note that a lower score might result in higher interest rates and stricter eligibility criteria.

Is a CIBIL 788 Score Good? What it Means to You

Rs. 40,000 - 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

788 CIBIL Score - Is it good or bad?

A 788 CIBIL Score is excellent, reflecting a strong credit history and responsible financial behaviour. It positions you as a low-risk borrower, making it easier to secure loans and credit cards with favourable terms. Lenders view you positively and may offer higher credit limits, lower interest rates, and premium financial products. With this score, you have access to the best available financial opportunities.

✅ You can check your eligibility using just your mobile number and OTP through a 100% online process.

Show More Show Less

How to improve your 788 CIBIL Score?

To improve a 788 CIBIL score, focus on timely payments for all loans and credit card bills. Keep your credit utilisation ratio low, ideally below 30%. Avoid applying for multiple loans or credit cards within a short period, as it can affect your score. Regularly check your credit report for any discrepancies and address them promptly to maintain or improve your score.

Show More Show Less

How does a 788 CIBIL Score impact interest rates?

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

A 788 CIBIL score allows you to access the best interest rates available. Lenders view you as a low-risk borrower, which means you can secure loans and credit cards with lower interest rates. This score allows you to negotiate better loan terms, which can help reduce your overall borrowing costs, giving you more financial flexibility.

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

Show More Show Less

Conclusion

A 788 CIBIL Score reflects excellent credit health and strong financial discipline. It helps you secure loans and credit cards on favourable terms, lower interest rates, and higher limits. Maintaining responsible credit habits ensures continued financial flexibility.

Show More 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

5 ways to maintain a good credit score

Feb 23, 2026

How to check CIBIL credit score online and offline

May 25, 2021

E-Aadhaar Card: All You Wanted to know

Jan 31, 2026

CIBIL report correction: Steps to rectify CIBIL mistakes

Feb 10, 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

788 CIBIL Score

Loan Types

Calculator

FAQs

Video

Rs. 40,000 - Rs. 55 lakh

788 CIBIL Score - Is it good or bad?

How to improve your 788 CIBIL Score?

How does a 788 CIBIL Score impact interest rates?

Conclusion

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

788 CIBIL Score

Loan Types

Calculator

FAQs

Video

Rs. 40,000 - Rs. 55 lakh

788 CIBIL Score - Is it good or bad?

How to improve your 788 CIBIL Score?

How does a 788 CIBIL Score impact interest rates?

Conclusion

Key offerings: 3 loan types

Personal loan interest rate and applicable charges

Not your nearest branch?

Related articles

You are here

Related Links

Disclaimer