A CIBIL score is a three-digit number between 300 and 900 that lenders use to judge how reliably you repay credit. A higher score means easier approvals and better interest rates.
This guide explains what affects your score and how to improve it.
What is CIBIL Score?
Your CIBIL score is built from your credit history — repayment track record, credit utilisation, length of history, credit mix and recent enquiries. A score above 750 is generally considered good.
Lenders check it before approving loans and credit cards.
| Range | 300–900 |
|---|---|
| Good score | 750 and above |
| Biggest factor | On-time repayment history |
| Checked by | Banks and NBFCs before lending |
How to improve your score
- Pay every EMI and credit card bill on time
- Keep credit utilisation below 30% of the limit
- Avoid multiple loan/card applications in a short period
- Maintain a healthy mix of secured and unsecured credit
- Check your credit report and dispute errors
Frequently asked questions
What is a good CIBIL score?
Generally 750 and above is considered good and improves your chances of loan approval at better rates.
How can I improve a low CIBIL score?
Pay dues on time, reduce credit utilisation, avoid frequent applications, and correct any errors in your credit report.