Credit Score in India
Your credit score is a single number between 300 and 900 that summarises how reliably you repay debt. Every bank in India checks it before approving a loan or credit card. This hub explains what moves it and how to improve it.
Last updated: 15 June 2025
Guides & explainers
Basics
What is a CIBIL score?
What the number means, and its range.
Process
How to check your CIBIL score
Free ways to pull your report and score.
Basics
Factors that affect your score
The five things banks look at.
Basics
Common credit score myths
Debunking the biggest misconceptions.
Action
How to improve your credit score
10 concrete steps you can take today.
Segment
Credit score for home loan
Score cut-offs at each major bank.
Credit score bands and what they mean
| Score band | Typical outcome |
|---|---|
| 750 – 900 | Best rates, high approval odds |
| 700 – 749 | Approved at slightly higher rates |
| 650 – 699 | Approvals possible, higher rates |
| 550 – 649 | Mostly declined at banks; NBFC options |
| Below 550 | Very difficult to get unsecured credit |