Everything you need to know about your CIBIL Score

Everything you need to know about your CIBIL Score

Understand the CIBIL Score range of 300–900, what qualifies as a strong score of 750+, the typical 650 eligibility benchmark, and ways to improve your credit profile.
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Key takeaways


A good CIBIL Score generally indicates a stronger credit profile and can support your access to credit, subject to the lender’s eligibility criteria and other factors.


  • A CIBIL Score ranges from 300 to 900.
  • A score of 750 or above is generally considered strong.
  • A score of 650 may be used as an eligibility benchmark by some lenders.
  • Timely repayments and responsible credit utilisation can help improve your score.
  • Regularly checking your credit report can help you identify errors and track changes in your score.

Knowing the CIBIL Score range and practising responsible credit habits can help you maintain a healthier credit profile and improve your access to credit.

The CIBIL score, also known as a credit score, is a three-digit number that ranges from 300 to 900 and reflects an individual’s creditworthiness. It is issued by Credit Information Bureau (India) Limited (CIBIL) and is calculated based on your credit history. This includes factors such as timely repayment of loans and credit card dues, credit utilisation, loan tenure, and the number of credit enquiries made.


If you are wondering how to calculate CIBIL score, it is important to note that CIBIL evaluates your repayment behaviour, total outstanding debt, length of credit history, and credit mix. Regular, on-time repayments and responsible credit usage help improve your score over time.


A good CIBIL score range is generally 650 or above. Borrowers with scores in this range are more likely to receive faster personal loan approvals, higher loan amounts, and competitive interest rates. Since most banks and NBFCs rely heavily on CIBIL data, maintaining a healthy score plays a key role in securing credit easily.


Your CIBIL score plays a crucial role in personal loan eligibility checks. A higher score improves your chances of faster approval and better loan terms. You can check your loan eligibility online using your credit details and get a clear idea of how much you can borrow.

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What is the range of the CIBIL Score?

A CIBIL Score ranges from 300 to 900. A higher score generally reflects a stronger credit profile, but personal loan approval, interest rates and terms depend on the lender’s eligibility criteria and other factors.


CIBIL Score rangeRatingWhat it meansPersonal loan significance
300–549PoorIndicates a weaker credit profile and higher perceived credit risk.Approval may be difficult, and loan terms may be less favourable.
550–649FairShows some credit risk and scope for improving credit behaviour.A loan may still be available, subject to the lender’s criteria and applicable terms.
650–749GoodIndicates a relatively healthy credit profile, with higher scores within this range generally viewed more favourably.May support loan eligibility and more favourable terms, depending on other factors.
750–900StrongIndicates a strong credit profile and responsible credit history.May support access to credit on favourable terms, subject to eligibility and verification.
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What is good credit score?

A good credit score generally reflects responsible credit management and can strengthen your credit profile. A CIBIL Score is a three-digit number ranging from 300 to 900 and is calculated using information from your credit history, including repayment behaviour, credit utilisation, credit history, credit mix and credit enquiries.


A score of 750 or above is generally considered strong, while 650 may be used as an eligibility benchmark for certain credit products. A higher score can improve your prospects of receiving favourable loan terms, but lenders also consider factors such as income, employment, repayment capacity and existing financial obligations before making a lending decision.


Maintaining a healthy score requires consistent financial discipline. Paying EMIs and credit card dues on time, keeping credit utilisation under control, avoiding frequent credit applications and regularly checking your credit report can help you maintain or improve your score.


Your CIBIL Score can also form part of personal loan eligibility checks. You can check your loan eligibility online using your credit details and understand the loan amount you may be eligible for, subject to applicable criteria.

Understanding what contributes to a good credit score can help you make informed borrowing decisions and maintain responsible credit habits over time.

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Why is a credit score important for Personal loan

Your credit score plays a key role in determining your personal loan eligibility. It directly affects the loan amount you may qualify for, the interest rate offered, and how quickly your application gets approved. Since personal loans are unsecured and don’t require collateral, your credit score becomes a major factor in evaluating how reliable you are with credit.

A strong credit score reflects responsible financial behaviour and increases your chances of getting a personal loan on favourable terms. On the other hand, a low score may result in a lower loan amount or higher interest rates.

While individuals are assigned personal credit scores, businesses also receive credit ratings. However, when you're applying for a personal loan, it's your individual credit history and score that matter most.

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Background of credit score in India

The RBI has licensed four companies to access and manage credit information in India. CIBIL started its activities in 2001 and has since been one of the most popular credit information companies in the country. Others include Equifax, Experian, and High Mark. Each of these organisations has its unique scoring system.


However, one thing that is common between all scores is that if you have no credit history, your score will be -1. Likewise, if you have a credit history that is less than 6 months old, you will receive a credit rating of 0. Apart from this, these credit information companies also provide an in-depth credit report. Your credit report is the basis on which you are given a credit score.

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Personal loan CIBIL score range

Your CIBIL score can range from 300 to 900, with 900 being the highest level of creditworthiness. For personal loans, a CIBIL score of 650 or above is considered ideal. It increases your chances of approval, helps you secure a higher loan amount, and may qualify you for a lower interest rate.


If your score is below 650, getting a personal loan becomes more difficult. You may get a smaller loan amount or charge a higher interest rate. In some cases, the application may be rejected altogether. That’s why maintaining a score above 650 is important when applying for a personal loan.

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Why is 750+ considered the best CIBIL score for loans?

A best CIBIL score of 750 or above places you in the excellent CIBIL score range, making you a low-risk borrower in the eyes of most lenders. While loan approval is never guaranteed, a score in this range generally improves your chances of accessing better loan offers and more favourable borrowing terms.


  • Higher chances of personal loan approval, subject to eligibility.
  • Better possibility of securing competitive interest rates.
  • Greater likelihood of qualifying for higher loan amounts.
  • Faster loan processing, as a strong credit profile may require fewer additional checks.
  • Improved access to a wider range of credit products offered by banks and NBFCs.

Maintaining a score of 750 or above through timely repayments and responsible credit usage can strengthen your overall credit profile and improve future borrowing opportunities.

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Features of RBI's new credit reporting rules

FeatureWhat it means
Frequent credit data updatesLenders must report borrower credit data more often, ensuring credit reports reflect the latest information.
Faster reflection of credit behaviourEMI payments, loan closures, or defaults are updated quickly, helping borrowers maintain an accurate credit score.
Standardised reporting formatAll banks and NBFCs follow uniform data standards, reducing mismatches and errors across reports.
Mandatory CKYC reportingLenders must include the Central KYC (CKYC) number, improving identity verification and reducing duplicates.
Stricter data quality complianceCredit bureaus maintain data quality standards, and lenders must correct rejected or erroneous entries.
Transparency on credit checksBorrowers are notified when their credit report or score is accessed, helping detect unauthorized checks.
Clear reasons for loan rejectionLenders must disclose specific reasons if a loan is rejected, helping borrowers improve creditworthiness.
Free annual credit reportBorrowers can access one free full credit report per year to monitor their credit profile.
Faster dispute resolutionCredit report disputes must be resolved within defined timelines, ensuring accuracy and consumer protection.
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Benefits of a good CIBIL Score

  • Increases your chances of loan approval.
  • Helps secure better interest rates and higher credit limits.
  • Reflects responsible credit behaviour, building lender confidence.
  • Enables quicker loan approvals.
  • Provides access to premium financial products.
  • Offers greater financial flexibility for managing larger expenses.
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How to read your CIBIL report or credit report?

The credit report is a detailed document that highlights your entire credit history and record. It includes your personal information, contact information, employment history, credit limit on various credit cards, credit balances, and dates on which you opened various accounts. Various parties or organisations view this credit report.
 

Some common parties who may view your credit report are as follows:

  • Creditors
  • Lenders like banks and non-banking financial companies
  • Landlords

Given that it is a comprehensive document with multiple sections, it is important for you to know how to read your credit report. This will help you understand your report better and even check if it does justice to your credit history.

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Important sections in your CIBIL report

Your CIBIL report holds the key to your financial health. Understanding its key sections empowers you to manage your credit wisely. Here, we delve into the four most crucial parts:

1. Credit summary

This section includes details on the kinds of credit accounts that you had in the past or have currently, along with the details regarding the balance. Usually, the account information is divided into segments such as revolving accounts like credit cards, instalment accounts like car loans, real estate accounts like home loans or loans against property, as well as any collection accounts.

2. Account history

This section consists of all details related to your credit accounts. It will include information like the lender’s name, the type and amount of credit you borrowed, the account number, the date the account was opened, the date you made your most recent payment, the current balance, and a monthly record (usually up to 3 years) of your repayment.

3. Profile information

This is a section that lists big financial slipups, both current and previous. This includes criminal arrests or bankruptcies. Pay special attention to this section and identify the causes of these errors and ensure that you don’t repeat them in the future.

4. Credit inquiries

Credit inquiries list the occasions where third parties have accessed your credit report within two years. Every time a lender checks your credit report, it is counted as an inquiry. Though you can view all credit inquiries, lenders or financial companies may be able to view only a small cross-section. Keep in mind that these inquiries are a result of credit card or loan applications that you have made. So, a potential lender may see multiple credit inquiries on your credit report and surmise that you have made many loan applications in the recent past.

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How does CIBIL compute your credit score?

Your final CIBIL score is calculated based on several factors. These are:

  1. Your repayment history - contributes to 35% of the score
    Your overall repayment history depends on how successfully you have managed to repay all your debt. Since the weightage given to repayment is so high, ensure that you make timely payments towards all your credit.
  2. Your credit balance and utilisation - contributes to 30% of the score
    This section refers to the total credit available to you and how much you have already used. Your credit utilisation ratio is important and calculated as the outstanding balance on your loans or credit cards. If you have used most of your sanctioned credit, you will be considered a risky borrower. A good ratio is 30%, which means that you have used only 30% of your credit. 
  3. Your duration of availing of credit - contributes to up to 15% of the score
    This refers to the repayment duration and timely repayment within this duration. If you have borrowed credit over a long repayment tenor and have responsibly and successfully repaid it, your score will be positively affected and vice versa. 
  4. Your new credit - contributes to up to 15% of the score
    Every time you inquire about credit, your score is impacted. This may refer to loans you plan to take or credit cards you want to sign up for. If you have made too many credit inquiries, it makes you seem credit-hungry in the eyes of lenders and affects your score negatively. 
  5. Your credit mix - contributes to up to 10% of the score
    It is always important to have a healthy mix of credit, which refers to secured and unsecured loans as well as short-term and long-term credit. So, if you have a home loan, a credit card, and a collateral-free personal loan, you will be deemed to have a healthy credit mix.
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What is the difference between CIBIL, Equifax, Experian, and High Mark?

These are four credit information companies that function under the RBI’s approval. Their similarities and differences are listed below.

1. TransUnion CIBIL

  • It is the oldest and most popular in India today. Also, it offers market insights and portfolio reviews for businesses apart from CIBIL scores and reports for individuals.
  • Its scoring system ranges from 300 to 900, with 900 being the highest and 300 being the minimum CIBIL score.
  • It offers businesses a company credit report and a CIBIL rank.

 

2. Equifax

  • It was granted its license in 2010.
  • Its scoring system is on a scale of 300 to 900, with 300 being the lowest and 900 being the highest.
  • It also offers additional facilities like credit risk and fraud management, portfolio management, and industry diagnostics.

 

3. Experian

  • It received its license for operation in India in 2010, but has been an international company since 2006.
  • The Experian score ranges from 300 to 900, with 300 being the lowest and 900 being the highest.
  • It offers several services for consumers and organisations, like customer acquisition, collection and money recovery, customer management, data analytics, customer targeting, and engagement.

 

4. High Mark

  • It has been in operation since 2007; however, it received a license as a credit information company in 2010.
  • Its score ranges from 300 to 900. While a score of 720 and above is considered good, 640 and below is deemed to be poor.
  • It offers various services for customers, such as portfolio management, alerts, and geo-analytics consulting.
     

You can choose from any of these companies to calculate your credit score, and so can lenders and other parties.

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How to check your CIBIL score steps by step?

If you are wondering where to check your CIBIL score, you can do it easily by visiting the credit information company's website. Usually, you will need to pay a small fee to check your score. Here is a step-by-step guide on how to check your CIBIL score:

  1. Choose a CIBIL-authorised partner: There are several authorised partners that offer CIBIL score checks. Research and select a reputable partner that aligns with your preferences.
  2. Register or login: Create an account or log in to the partner's platform using your personal details.
  3. Provide consent: Grant consent to the partner to access your CIBIL report. This is typically done through a digital agreement.
  4. Pay the fee: Most partners charge a nominal fee for accessing your CIBIL score. Choose a payment method that suits you.
  5. View your score: Once the payment is processed, your CIBIL score will be displayed. The report may also include details about your credit history, such as credit inquiries, loan accounts, and credit card accounts.
  6. Understand the components: Familiarise yourself with the components that contribute to your CIBIL score. These typically include payment history, credit utilisation, credit history length, credit mix, and credit inquiries.
  7. Analyse and take action: Review your score and identify areas for improvement. If you notice any discrepancies or negative factors, take steps to address them. This might involve paying off debts, reducing credit utilisation, or disputing errors in your credit report.
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Why do lenders check your CIBIL score before approving your loan?

Since CIBIL score measures your overall creditworthiness, a lender is certain to check your score when reviewing your loan application for a variety of reasons. They are:


  • To check your credit history and past record
  • To see whether you are capable of repaying debts 
  • To review your credit balance and understand the risk level of your profile
  • To judge whether you qualify for the loan
  • To decide on the loan amount to offer you and interest rate applicable
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What are the factors that affect your CIBIL score?

Given the significance of your CIBIL score, it is important to ensure that it's always towards the higher side. To do this, it is vital to be aware of the factors that affect your credit score and control them accordingly. Here are the factors that affect your CIBIL score:


  • Your income
  • Your existing debts
  • Your past credit repayments
  • Any defaults, delays, or lapses in previous credit repayment
  • Rejections for loans that you have applied for
  • Limited credit history can lead to a thin file or no credit score at all
  • Failing to monitor your credit report for mistakes
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How to improve and maintain a good CIBIL Score

You can improve and maintain your CIBIL Score by following consistent and responsible credit practices:


  1. Pay EMIs and credit card bills on time: Timely repayments help build a positive repayment history and support your credit profile.
  2. Keep credit utilisation low: Try to keep your credit card utilisation below 30% of your available limit to manage your outstanding debt responsibly.
  3. Limit frequent credit applications: Avoid applying for multiple loans or credit cards within a short period, as each application may result in a credit enquiry.
  4. Check your credit report regularly: Review your credit report for errors or discrepancies and raise a dispute with the relevant credit institution when required.
  5. Maintain a balanced credit mix: Responsibly managing different types of credit, such as secured and unsecured loans, can contribute to a healthy credit profile.
  6. Avoid taking on excessive debt: Assess your repayment capacity before borrowing and avoid accumulating multiple debts within a short period.
  7. Maintain a repayment plan: Borrow only what you can comfortably repay and consider part-prepayment when suitable under your loan terms.
  8. Be cautious when co-signing: A co-signed or jointly held loan can affect your credit profile if the other borrower misses repayments.
  9. Build credit history responsibly: If you have limited or no credit history, using an appropriate credit product responsibly and making timely repayments can help establish a credit history.

Learn more ways to improve CIBIL score effectively.


Regularly monitoring your credit and maintaining disciplined repayment habits can help you improve and maintain your CIBIL Score over time.

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Why outstanding debt spells bad news for your credit score?

1. It maximises your credit utilisation ratio

  • A good credit utilisation ratio is 30% or lower
  • A high ratio means you are using too much credit, which can reduce your credit score

 

2. It makes repayment of future loans difficult:

  • If you have outstanding debts, it means that you could already be paying high EMIs
  • Borrowing more loans in the future with outstanding debts can create a major repayment burden and even cause bankruptcy
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How to get a loan despite a poor credit score

  1. Borrow from non-banks:
    While non-banking financial companies, like Bajaj Finance, still need you to have a decent credit score, they tend to have relatively simpler eligibility criteria, which may help you raise funds fast and without too much effort.
  2. Apply with a guarantor or co-signer to your loan account:
    Adding a co-borrower to your loan application helps distribute the responsibility of repayment between you and the co-borrower. When your co-borrower has a good score, you will be able to borrow a larger loan amount and boost your chances of approval too.
  3. Try to find a secured loan:
    When a loan is unsecured, the lender is more stringent with the eligibility criteria by carefully filtering and selecting the most reliable borrowers. However, if you have collateral to offer, the significance of having a good credit score diminishes.
  4. Prove your financial backing:
    If your credit score is poor, your lender will have limited faith in your ability to repay a new loan. So, you can submit evidence about your financial ability to repay the loan. You could show documents like your business’ profit and loss statement, bank balance, bank account statements, FD statements, rental income, etc., to prove to the lender that you have funds to repay the loan.
  5. Take measures to improve your score:
    There is no better tactic than simply boosting your credit score. You can do this by various methods, and the change would reflect in your score after a period of six months or a year.
  6. Go for informal means of borrowing:
    When you need money and have a bad credit score, try to raise credit from other sources like family or friends. You can then conveniently repay these loans as and when you have the funds.
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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi 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 30.5% 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)

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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Frequently asked questions

Overview

CIBIL Score Requirements

Improve and Monitor

Eligibility

CIBIL Score Guide

What is the role of CIBIL?

CIBIL, or Credit Information Bureau (India) Limited, is a credit bureau in India that collects and maintains credit information on individuals and businesses. It compiles credit reports that provide lenders with a snapshot of a borrower's credit history, including past borrowing behaviour, repayment history, and outstanding debts. This information helps lenders assess a borrower's creditworthiness and make informed decisions about loan applications.


 

Credit bureaus consider five main factors:
 

  1. Payment history (35%): The most crucial factor, reflecting your ability to make payments on time.
  2. Credit utilisation (30%): The percentage of your available credit limit that you are using. Lower is better.
  3. Length of credit history (15%): A longer credit history with responsible management generally leads to a higher score.
  4. Credit mix (10%): Having a mix of credit card and loan accounts can positively impact your score.
  5. New credit inquiries (10%): Applying for too much new credit in a short period can lower your score.

Several factors can negatively impact your CIBIL Score. These include late or missed payments on loans and credit cards, high credit utilisation (using a large portion of your available credit limit), applying for multiple credit accounts in a short period, having a history of defaulting on loans, and being associated with accounts with a negative credit history. It's important to manage your credit responsibly by making timely payments, keeping your credit utilisation low, and avoiding unnecessary credit inquiries.

A CIBIL score below 600 is generally considered bad. It indicates a higher risk of defaulting on loans and can lead to difficulty obtaining credit or receiving favourable terms.

A 1 credit score is extremely rare and usually indicates insufficient information in your credit report to generate a reliable score. This can happen if you have a very limited credit history or no credit accounts at all.

Individuals with a perfect payment history, low credit utilisation, a long credit history, a healthy credit mix, and minimal new credit inquiries can achieve the highest CIBIL score of 900.

While significant credit score improvement takes time, some strategies can accelerate the process:


  1. Pay bills on time consistently: This is the single most impactful factor.
  2. Reduce credit card balances: Aim for a utilisation ratio (credit used divided by credit limit) below 30%.
  3. Dispute any errors on your credit report: Ensure accurate information is reflected.
  4. Become an authorized user on someone else's good credit card: Benefit from their positive payment history.

Pay your EMIs and credit card bills on time, maintain low credit utilisation, and avoid frequent loan enquiries to keep your CIBIL score in the good range

Yes, a CIBIL score of 750 is excellent and improves your chances of getting a personal loan with better terms and lower interest rates.

A CIBIL score of 650 or above is generally considered suitable for getting approved for a credit card with better terms and benefits.

Bajaj Finance usually prefers a CIBIL score of 650 or above for personal loan approval, along with a stable income and good repayment history.

It’s recommended to check your score at least once every 3–6 months. Regular checks help track improvements, identify discrepancies, and plan loan or credit applications effectively.

  1. Checking your score lowers it: Simply viewing your own score does not affect it
  2. Closing credit cards improves score: Closing accounts can reduce your available credit and hurt your score.
  3. A high income guarantees a high score: Your score depends on repayment behaviour, not income.
  4. CIBIL score is the same as creditworthiness: It’s one factor lenders consider, not the only one.

Many financial companies and lenders allow you to check your credit score at no cost. Additionally, several websites and apps offer a free CIBIL score check. Simply enter your details, such as PAN and basic information, and access your score instantly without any charges.

The minimum CIBIL score required is 650. A higher score improves your chances of approval and attractive offers.

Outstanding debt affects your credit score by increasing your credit utilisation and repayment burden. Higher balances or missed payments can lower your CIBIL score, while managing debt responsibly can help maintain or improve it.

Timely EMI payments improve your credit score by demonstrating responsible repayment behaviour to credit bureaus. Since payment history is a major factor in credit score calculation, paying every EMI on or before the due date consistently can strengthen your credit profile and improve your eligibility for future loans.

Your credit score may decrease despite paying bills on time due to factors such as high credit utilisation, multiple recent loan enquiries, a change in your credit mix, or errors in your credit report. Reviewing your credit report regularly can help identify the possible reasons.

The fastest way to improve a credit score is to pay all EMIs and credit card dues on time while reducing your credit utilisation ratio. Avoid applying for multiple loans or credit cards within a short period, as responsible credit behaviour can gradually strengthen your credit profile.

CIBIL Score is calculated from your credit history, including repayment behaviour, credit utilisation, credit mix, length of credit history and recent credit enquiries.

A good CIBIL score is generally 750 or above, although loan eligibility also depends on income, repayment capacity, existing debt and the applicable lender criteria.

The CIBIL Score full form is Credit Information Bureau (India) Limited Score, a three-digit measure of creditworthiness ranging from 300 to 900.

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