Master Your
Credit Score.
Your CIBIL score determines your loan eligibility and interest rates. Understand how it works and how to improve it responsibly.
What Is a CIBIL Score?
A CIBIL score is a three-digit number ranging from 300 to 900 that represents your creditworthiness. It is calculated based on your credit history, repayment behavior, and existing financial obligations.
Whether you are applying for a personal loan, home loan, or business loan, your credit score is one of the first things lenders evaluate to assess risk.
Limited options, higher scrutiny, and higher interest rates.
May qualify for loans, but conditions or higher rates may apply.
High eligibility, faster processing, and best interest rates.
Key Factors That Affect Your Score
Understanding what moves the needle is the first step to improvement.
Repayment History
Late payments, defaults, or settlements negatively impact your score significantly.
Credit Utilization
Using too much of your available credit card limit (>30%) can reduce your score.
Active Loans
A high number of unsecured loans (like personal loans) increases perceived risk.
Enquiries
Frequent loan or credit card applications trigger 'hard enquiries', lowering your score.
How to Improve Your Score
-
Pay EMIs & Dues on Time
Timely repayment is the most important factor in score improvement.
-
Keep Credit Utilization Low
Ideally, use less than 30–40% of your credit card limit.
-
Avoid Multiple Applications
Apply only when required to avoid unnecessary hard enquiries.
-
Check Report Regularly
Review for errors and report discrepancies to the bureau.
Common Myths
Final Thoughts
A good CIBIL score is built gradually through responsible financial behavior. It cannot be fixed overnight, but consistent habits can significantly improve your loan eligibility over time.
Ready to apply for a loan?
Whether your score is high or you are working on it, we can help explore suitable options for you.
Check Eligibility