HomeCIBIL Score
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Understand the numbers
CIBIL score range — what's good, what's not
300 – 549
Poor
Most lenders will decline. Focus on building a history.
550 – 649
Fair
Limited options. Expect high rates and strict terms.
650 – 749
Good
Most loans approved. Rates slightly above prime.
750 – 799
Very good
Strong approvals. Competitive rates available.
800 – 900
Excellent
Best rates. Pre-approved offers across banks.
Under the hood
How is your CIBIL score calculated?
35%
Payment history
On-time EMI & bill payments.
30%
Credit utilisation
How much of your limit you use.
15%
Credit age
How long you've had credit.
10%
Credit mix
Secured + unsecured blend.
10%
New enquiries
Recent applications.
Level up
7 proven ways to improve your CIBIL score
Pay EMIs & bills on time
Payment history is the single biggest factor — weighing ~35% of your score.
Keep credit utilisation below 30%
If your card limit is ₹1L, try not to use more than ₹30K at any time.
Don't apply for too many loans
Each hard enquiry dings your score by 4–10 points. Space them out.
Build a long, varied history
A 5-year-old card beats a 6-month-old one. Mix secured + unsecured credit.
Review your report monthly
Dispute errors. Roughly 12% of reports contain inaccuracies.
Don't close old cards
Older accounts raise your average credit age — keep them active with small spends.
NO CIBIL? NO PROBLEM
Instant loans without a CIBIL history
New to credit or rebuilding your score? We have lenders who evaluate you on income, employment, and bank statements — not just CIBIL.
See my optionsGold-backed
9.25%
Salary-linked
12%+
Secured card
Build score
LAP
9.50%