Understand your credit score

Your credit score (CIBIL) decides your loan eligibility and interest rate. Here is everything you need to know.

750-900
Excellent

Best rates, instant approval

700-749
Good

Most banks approve, fair rates

650-699
Average

Limited options, higher rates

300-649
Poor

Difficult to get unsecured loans

How to improve your score

  • Pay EMIs and credit-card bills on time, every month.
  • Keep credit utilization under 30%.
  • Avoid multiple loan applications in a short period.
  • Maintain a healthy credit mix (secured + unsecured).
  • Review your credit report yearly for errors.

What affects your score?

  • Payment history (35%) — late payments hurt the most.
  • Credit utilization (30%) — % of credit limit used.
  • Credit age (15%) — older accounts help.
  • New credit (10%) — too many new applications hurt.
  • Credit mix (10%) — balance of loan types.
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