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
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 |