Is a CIBIL score the same as a credit score?

CIBIL is one specific bureau. 'Credit score' is the generic term. The scores from CIBIL, Experian, Equifax, and CRIF are usually within 20-30 points of each other but not identical.

What is a good CIBIL score?

750 and above is considered good; 800+ is excellent. Most banks reserve their best rates for applicants above 750.

How is a '-1' or 'NH' score interpreted?

It means you have no credit history at all (never had a loan or card). Banks treat it as a new-to-credit applicant and evaluate more carefully.

What is a CIBIL score?

CIBIL is one of four credit bureaus licensed by RBI to compile Indian credit histories. Your 'CIBIL score' is a single number between 300 and 900 that summarises your repayment behaviour across all loans and cards.

Last updated: 15 June 2025

The four Indian credit bureaus

TransUnion CIBIL - the most widely referenced bureau
Experian India
Equifax India
CRIF High Mark

What data goes into the score

Every bank and NBFC reports your loans, credit cards, EMIs, and payment behaviour to all four bureaus every 30 days. The bureau aggregates this into a report and a score. The score itself is derived from a proprietary model but the key inputs are known.

How to get your CIBIL report

Go to cibil.com and register with PAN and OTP
One free detailed report per calendar year
Paid subscriptions for monthly refreshes
Your bank's app may also show a free score (Experian / CIBIL variant)

Frequently Asked Questions

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