Cibil Score Check
Cibil Score Check

What is a Cibil Score ?

A cibil score in India is a numeric assessment of an individual's creditworthiness, ranging from 300 to 900, with higher scores indicating better financial reliability. Main credit bureaus like CIBIL, Equifax, Experian, and CRIF High Mark calculate scores based on repayment history, credit utilization, credit history length, types of credit, and new credit. A good cibil score is essential for loan approvals and favorable interest rates. Regularly checking credit reports is advised, ensuring accuracy and identifying areas for improvement. Stay informed with the latest guidelines from credit bureaus to manage and enhance your credit profile effectively.

what is cibil score

Importance of having a good Cibil Score

Low Rates on Loans

Low Rates on Loans

Loans that can be processed in less than 2 days.

Premium Credit Card Eligibility

Premium Credit Card Eligibility

A good cibil score shows credibility, enabling better card eligibility.

Enhanced Negotiating Capability

Enhanced Negotiating Capability

Flexible Loan repayment tenure that can be negotiated.

Quick Loan Processing

Quick Loan Processing

Get best offers from multiple lenders.

What does your CIBIL Score mean ?

Crif score


Pick Up Details

Poor Credit

This is the lowest score range. it shows that you have delayed your credit card bill payments or loan EMIs and you are at a high-risk of turning into a defaulter.

Fair Credit

Although this Crif score range is considered as fair, it shows that you have been struggling to pay the dues on time.

Good Credit

This Crif score shows that you have good credit behaviour. you have a high chance of getting a credit card or loan approval. however, you may still not get the best rate of interest while applying for a loan.

Exceptional Credit

Crif score above 750 is considered excellent and shows that you have consistently paid your dues on time and have an impressive payment history. since you are at the lowest risk of turning into a defaulter, lenders will give you loans easily and at lower interest rates

Frequently Asked  Questions

What is a cibil score?
How is the cibil score calculated?
Why is a good cibil score important?
How often should I check my cibil score?
Can a low cibil score affect loan approval?