Loan Types
Calculator
FAQs
Video
Rs. 40,000 - Rs. 55 lakh
You may be eligible for a pre-approved offer
Enter mobile number and OTP | Check free credit score
In summary
An 807 CIBIL Score falls within the excellent range on the 300–900 scale and reflects a strong history of responsible credit management. It can support your prospects when applying for personal loans and other credit products.
To maintain your 807 CIBIL Score:
- Pay all EMIs and credit card bills on time
- Keep credit utilisation at a manageable level
- Avoid unnecessary applications for new credit
- Review your CIBIL report regularly
An 807 CIBIL Score shows that you have established strong credit habits. Maintaining timely repayments and manageable debt can help preserve this credit standing and keep your profile well positioned for future borrowing needs.
How good is an 807 CIBIL Score?
An 807 CIBIL Score is considered excellent and sits well within the 750–900 range. It reflects a consistently well-managed credit profile and suggests that you have handled previous credit obligations responsibly.
At this level, your score can indicate:
- Strong credit history: Your repayment behaviour demonstrates consistent management of borrowed funds.
- Lower perceived credit risk: A high score can give lenders greater confidence in your credit profile.
- Better credit opportunities: You may have access to a wider range of loans and credit cards, subject to eligibility.
Potentially favourable terms: A strong score may support competitive interest rates and suitable repayment terms.
A CIBIL Score like this is already strong, so the focus should be on preserving your credit health rather than taking new credit simply to increase the score. Check your personal loan eligibility in just 2 steps to understand how much you can qualify for — without affecting your score.
What else do lenders examine beyond your CIBIL Score?
A strong CIBIL Score matters, but lenders assess your full financial profile before making a lending decision. They need to establish whether you can comfortably manage the proposed repayment alongside your existing commitments.
They may examine:
- Monthly income: Your earnings help determine your repayment capacity.
- Existing EMIs: Current obligations can affect how much additional credit you can comfortably take.
- Recent repayment behaviour: Lenders may review recent payment patterns along with your score.
- Credit utilisation: High outstanding balances may indicate greater dependence on available credit.
- Recent enquiries: Multiple applications within a short period can affect your credit profile.
- Requested loan amount: The amount should match your income and existing financial commitments.
An excellent score provides a strong starting point, but lenders consider these factors together when assessing a personal loan application.
How an 807 CIBIL Score affects your personal loan
An 807 CIBIL Score can strengthen your personal loan profile because it reflects a strong history of responsible credit management. However, the score does not by itself determine approval, loan amount or the final terms offered.
Your score may contribute to:
Competitive interest rates: An excellent score may support favourable pricing, although the personal loan lowest available rate is not guaranteed.
Positive credit assessment: A strong repayment record can support the overall evaluation of your application.
Suitable loan eligibility: Your score can complement stable income and manageable existing obligations when determining eligibility.
Repayment flexibility: Depending on your eligibility, you may be able to choose a repayment option that suits your financial needs.
Your final offer depends on your complete financial profile and the lender's criteria. Check your personal loan eligibility to understand what may be available to you.
How an 807 CIBIL Score may influence interest rates
An 807 CIBIL Score may support competitive personal loan interest rates because it reflects strong credit management and lower perceived repayment risk. However, an excellent score does not automatically guarantee the lowest available rate.
Lenders may also consider your income, existing obligations, repayment history, requested loan amount and tenure when determining the applicable rate.
When comparing a personal loan, consider the interest rate along with processing fees, other applicable charges, tenure and total repayment cost.
Understanding the main CIBIL Score categories
CIBIL Scores range from 300 to 900. These broad categories indicate credit standing, while lenders may apply their own eligibility and risk assessment criteria.
| CIBIL Score range | Rating | What it means |
| 300-549 | Poor | The credit report may show significant repayment concerns, which can make unsecured borrowing more difficult. |
| 550-649 | Fair | Credit may be available selectively, with lenders conducting closer checks or offering different terms. |
| 650-749 | Good | A reasonably managed credit history may support access to standard credit products. |
| 750-900 | Excellent | Strong credit management may support wider access to credit and potentially more favourable terms. |
An 807 CIBIL Score falls within the excellent range. Continuing responsible repayment and borrowing habits can help maintain this strong credit profile.
How to maintain your 807 CIBIL Score
At 807, maintaining your existing credit habits is more important than pursuing a higher score. Consistent financial behaviour can help protect your excellent credit standing.
You can maintain your score by:
- Paying every EMI and credit card bill on time to preserve your positive repayment record
- Keeping credit utilisation under control so that you do not rely heavily on your available credit limit
- Avoiding unnecessary loan and credit card applications that can result in additional enquiries
- Reviewing your CIBIL report regularly to identify inaccurate account information or unfamiliar enquiries
- Keeping existing debt manageable so that your repayment commitments remain comfortable
- Maintaining older credit accounts responsibly where they continue to be useful
- Borrowing only when necessary and ensuring new repayments fit comfortably within your finances
An excellent score is built through consistent credit behaviour. Continuing these habits can help you preserve your 807 CIBIL Score over the long term.
Key offerings: 3 loan types
Personal loan interest rate and applicable charges
Type of fee | Applicable charges |
Rate of interest per annum | 10% to 30.5% p.a. |
Processing fees | Up to 4.13% 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) |
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:
Part Pre-payment
|
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.
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 fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up 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. |
Not your nearest branch?
Frequently asked questions
Overview
Yes, an 807 CIBIL score is excellent. It is well above the average range and indicates that you have a strong credit history and are a low-risk borrower. This score will make it easier for you to secure loans and credit cards with the most favourable terms. Check your eligibility in just 2 steps and plan your expenses comfortably.
No, an 807 CIBIL score is not bad at all. It is considered outstanding and reflects that you manage your credit responsibly. With this score, you are likely to receive the best offers on loans and credit products.
An 807 CIBIL score makes you highly eligible for top-tier credit cards that come with significant benefits, such as higher credit limits, rewards, and perks like cashback and travel advantages. Your excellent credit score ensures that lenders trust you with premium financial products.
Related articles
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