Know Your
Credit Score
Check your CIBIL score for free in seconds. No hard enquiry — your score stays untouched. Understand where you stand and get personalised tips to improve it.
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Understanding Your Score
CIBIL scores range from 300 to 900. Here's what each range means.
High-risk. Most lenders will decline. Focus on clearing dues and building credit history.
Below average. You may get loans at higher interest rates. Work on reducing credit utilisation.
Acceptable score. You can get most loan products but may not get the best rates.
You'll qualify for competitive rates and most credit products with ease.
Top tier. You'll get the best rates, highest limits, and fastest approvals from any lender.
How to Improve Your Score
Six proven habits that will boost your CIBIL score
Pay EMIs on Time
Payment history is the biggest factor (35%). Even a single missed EMI can drop your score by 50–100 points. Set up NACH mandates so you never miss a due date.
Keep Utilisation Below 30%
Credit utilisation (balance / limit) is the second biggest factor. Keep your credit card usage under 30% of the total limit at all times.
Don't Close Old Accounts
Length of credit history matters. Older accounts show responsible credit behaviour. Keep your oldest credit card active even if you rarely use it.
Limit Hard Enquiries
Each time you apply for a new loan or credit card, a hard enquiry is recorded. Multiple enquiries in a short period signal financial stress to lenders.
Maintain a Healthy Credit Mix
Having both secured (home loan, car loan) and unsecured (credit card, personal loan) credit shows you can manage different types of debt responsibly.
Check for Errors Regularly
Errors on your CIBIL report are more common than you think. Dispute any incorrect information immediately — a successful dispute can significantly improve your score.
How Your Score Affects Your Loan Rate
A higher score directly translates to lower EMIs
| CIBIL Score | Rating | Personal Loan Rate | Monthly EMI on ₹5L |
|---|---|---|---|
| 800–900 | Excellent | 10.49% | ₹10,750 |
| 750–799 | Very Good | 12.00% | ₹11,122 |
| 700–749 | Good | 14.50% | ₹11,749 |
| 650–699 | Fair | 18.00% | ₹12,706 |
| Below 650 | Poor | May be declined | — |
*Rates are indicative for a ₹5 Lakh personal loan over 36 months. Actual rates depend on your full credit profile.
Frequently Asked Questions
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