805 CIBIL Score: What it means and how it works in your favour

805 CIBIL Score: What it means and how it works in your favour

An 805 CIBIL Score falls in the excellent range and reflects responsible credit behaviour. It may improve eligibility for personal loans, premium credit cards, and competitive financial offers.
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Rs. 40,000 - Rs. 55 lakh

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In summary

A 805 CIBIL score places you in the excellent category. It can help improve loan approval chances and may support access to better interest rates and flexible repayment terms. However, lenders also review your income, existing liabilities, repayment history, and credit utilisation before approval.


To maintain your 805 CIBIL Score:

  • Pay all EMIs and bills on time
  • Keep credit utilisation below 30%–40%
  • Avoid unnecessary loan applications
  • Monitor your credit report regularly

A high CIBIL score reflects strong financial discipline and responsible borrowing behaviour over time.

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How good is a 805 CIBIL Score?

Most lenders consider a 805 CIBIL score excellent. It shows lower repayment risk and may improve your eligibility for personal loans and premium financial products.


  • Lower repayment risk for lenders
  • Better chances of competitive interest rates
  • Improved eligibility for higher loan amounts
  • Access to selected premium financial products

If your score is 805 or higher, you are already in a strong position to access better loan offers. Check your personal loan eligibility in just 2 steps to understand how much you can qualify for — without affecting your score.

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What else do lenders check beyond your CIBIL Score?

Lenders review your complete financial profile before making a decision.


  • Repayment history
  • Existing loan obligations
  • Credit utilisation ratio
  • Monthly income and repayment capacity
  • Recent loan enquiries
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How a 805 CIBIL Score affects your personal loan

A stronger score may improve your chances of accessing personal loans with better terms.


  • Loan amount ranges from Rs. 40,000 to Rs. 55 lakh
  • Tenure ranges from 12 months to 108 months
  • Interest rate ranges from 10% and 30% p.a.
  • Quick approval and disbursal within 24 hours* 
  • No collateral required and minimal documentation

Check your eligibility now and plan your expenses with confidence. 

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How a 805 CIBIL Score impacts interest rates

A 805 CIBIL Score reflects strong credit behaviour and timely repayments, which may help borrowers qualify for lower interest rates on personal loans, home loans, and credit cards. Lenders often consider high credit scores as a sign of lower repayment risk.

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CIBIL Score range: What each band means

CIBIL Score RangeWhat it means
300 – 549Poor score range. It may indicate delayed repayments or high credit usage, which can affect loan and credit card approval chances.
550 – 649Fair score range. Borrowers may qualify for some credit products, but interest rates and approval terms may be less favourable.
650 – 749Good score range. It reflects stable credit behaviour and may improve eligibility for loans and credit cards with better terms.
750 – 799Very good score range. Borrowers in this range are generally considered financially responsible by many lenders.
800 – 900Excellent score range. It reflects strong repayment history and responsible credit management, which may help access competitive financial offers.
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How to maintain or improve your 805 CIBIL Score


  • Pay all EMIs and credit card bills before the due date
  • Avoid maxing out your credit card limit
  • Maintain a healthy credit mix
  • Monitor your credit report for errors
  • Limit unnecessary credit enquiries

A 805 CIBIL score already reflects excellent financial discipline. Maintaining responsible credit habits can help preserve your strong credit profile.

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

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 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

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp 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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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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