CIBIL Score
Your CIBIL score is a 3-digit number (300–900) that summarises your credit history. It is one of several factors lenders consider — a stronger score generally widens your options and can influence pricing, but income, existing obligations and stability also matter.
Score bands (indicative)
750 – 900 — Excellent
Generally accesses the widest options and best pricing
700 – 749 — Good
Usually eligible with many lenders
650 – 699 — Fair
Options may be limited; terms can vary
300 – 649 — Needs work
Fewer options; may need specific lenders
Bands are indicative; each lender applies its own policy.
How to improve your score
- Pay all EMIs and credit-card bills on or before the due date
- Keep credit-card utilisation low (ideally well under the limit)
- Avoid multiple loan/card applications in a short period
- Maintain a healthy mix of secured and unsecured credit over time
- Check your report periodically and dispute any genuine errors
- Don't close old, well-managed credit lines abruptly
Worried about a low score? Read about getting a loan with a low CIBIL score or explore loan consolidation to simplify repayments.
FAQ
CIBIL Score FAQs
Check your eligibility with BankEzee
Whatever your score, we help you explore suitable options across partner banks & NBFCs.
Or call BankEzee now