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What is Credit Score
A credit score is a 3-digit number that shows how you have managed credit in the past. It helps banks and NBFCs understand how likely you are to repay a loan.
In India, it is commonly called a CIBIL score, provided by TransUnion CIBIL. The score usually ranges from 300 to 900.
Your credit score is calculated using information shared by lenders, such as EMI payments, credit card bill payments, and new loan or credit card applications.
Reserve Bank of India requires lenders to share updated credit information with all credit bureaus every 15 days so that your latest credit record stays up to date.
Understanding CIBIL Score
CIBIL Score is a 3 digit number that represents your credit worthiness
750 - 900
Excellent
You are a low-risk borrower
650 - 749
Good
You are a reliable borrower
550 - 649
Average
You may face limited options
300 - 549
Poor
You are a high risk borrower
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Why Check Your CIBIL Score?
Checking your score regularly helps you stay financially healthy and get the best offers.
Know Your Credit Health
Understand your credit worthiness
Better Loan Eligibility
Improve chances of loan approval
Higher Credit Limits
Get better credit card offers
Financial Planning
Plan your finances better
What affects your Score?
Understand the key factors that shape your CIBIL score.
Payment History
Paying your EMIs and bills on time helps improve your CIBIL score
Credit Utilization
Using only a small part of your credit limit shows responsible usage.
Credit Age
Older credit accounts help build a stronger credit history.
Credit Mix
A healthy mix of loans and credit cards can improve your score.
Credit Enquiries
Too many loan or card applications in a short time can lower your score.
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