CIBIL Score

The CIBIL score is a three-digit number between 300 and 900 issued by TransUnion CIBIL, India's oldest and largest credit bureau. It is the single number every Indian bank, NBFC, and credit card issuer checks before approving a loan or deciding the interest rate you will pay. A score below 600 blocks you out of most retail credit entirely; 750+ unlocks the best rates and highest limits.

Your score is built from five factors: repayment history (~35%), credit utilisation (~30%), length of credit history (~15%), credit mix (~10%), and recent inquiries (~10%). A single 90-day delinquency can drop a 780 score to below 650 and stay on your report for seven years. Keeping credit-card utilisation under 30% of the limit, never missing an EMI, and avoiding frequent hard inquiries are the fastest ways up.

RBI and the Credit Information Companies (Regulation) Act, 2005 require bureaus to provide one free full credit report per year. You can pull it directly from cibil.com, Experian, Equifax, or CRIF High Mark — soft pulls via aggregators like Paisabazaar do not impact your score.

Check your CIBIL score before applying for a home loan or comparing lender offers on our EMI calculator — a 50-point jump can translate to a 0.25–0.50% rate discount.