300 - 549
PoorApproval options may be limited until the profile improves.
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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.
Credit score basics
Understanding CIBIL Score
A CIBIL score is a three-digit summary of your creditworthiness. It generally ranges from 300 to 900 and helps lenders assess how consistently you have managed credit.
- Score range
- 300 - 900
- Strong profile
- 750+
- Format
- 3 digits
Higher scores generally indicate stronger repayment behaviour and lower perceived credit risk.
550 - 649
AverageSome lenders may offer credit with tighter terms.
650 - 749
GoodA reliable profile can support wider borrowing options.
750 - 900
ExcellentA strong profile can improve access to competitive offers.
Simple and secure
Check your CIBIL score in 3 easy steps
Complete a consent-led verification and access your latest credit profile without affecting your score.
Secure bureau verification
01
Start securely
Enter your mobile number
Use the mobile number linked to your active financial accounts.
02
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Confirm the OTP
Complete a secure one-time verification before the report is fetched.
03
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Review your latest score and the factors shaping your credit health.
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Credit awareness
Why check your CIBIL score?
Regular monitoring gives you a clearer view of your credit health before an important loan or credit-card decision.
Checking does not lower your score
Viewing your own report is treated differently from a lender's hard credit enquiry.
01
Know your credit health
01See where your current credit profile stands before applying.
02
Plan loan eligibility
02Use the score as one input while preparing for a loan application.
03
Review credit access
03Understand how lenders may view your card and borrowing profile.
04
Track financial progress
04Monitor changes over time and identify areas that need attention.
Credit profile signals
What affects your score?
Your score reflects a combination of repayment and borrowing behaviour, not a single transaction.
Five core signals viewed together
Payment history
01Consistent EMI and card-bill payments support a healthier repayment record.
Credit utilisation
02Using a smaller share of your available revolving limit signals controlled usage.
Credit age
03Older, well-managed accounts help establish a longer borrowing track record.
Credit mix
04A balanced record across secured and unsecured credit can strengthen the profile.
Credit enquiries
05Several applications in a short period can indicate elevated credit dependence.
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Access your CIBIL score and report, understand where your profile stands and prepare more confidently for future credit applications.
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Detailed report
Review the signals influencing your current profile.
No score impact
Checking your own credit report does not reduce the score.
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Score view
300 - 900
Profile
Key factors
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