CIBIL Score Guide
Everything you need to know about your credit score.
750-900Excellent
Best loan rates. Instant approval from all banks.
700-749Good
Good rates. Most banks will approve your loan.
650-699Fair
Higher interest rates. Some banks may decline.
300-649Poor
Difficult to get loans. Focus on improvement first.
How to Improve Your Score
- 1.Pay all EMIs and credit card bills on time — this is 35% of your score
- 2.Keep credit card utilization below 30%
- 3.Don't apply for multiple loans simultaneously
- 4.Maintain a healthy mix of secured and unsecured loans
- 5.Check your CIBIL report annually for errors