Your credit score decides whether you get approved for a loan or credit card — and at what interest rate. Check yours free, understand what it means, and learn exactly how to improve it.
A higher credit score means easier approvals, higher limits and lower interest rates. Here's what your score affects.
Lenders check your score first. A score below 700 means rejections or much higher interest rates.
A score of 750+ can get you a personal loan 2-4% cheaper than someone with a 650 score — lakhs saved over the tenure.
Higher scores unlock premium cards with bigger limits, better rewards and lower fees.
A strong score means quicker approvals, less documentation and pre-approved offers.
Credit scores in India range from 300 to 900. Here's what each band means.
Poor. Loan and card approvals are difficult. Most lenders will reject or charge very high rates. Focus on rebuilding.
Fair to Good. You'll get approved by most lenders, but not at the best rates. A small improvement unlocks much better offers.
Excellent. You qualify for the lowest interest rates, highest limits and premium cards. Lenders compete for you.
Check your credit score online for free in under a minute. No impact on your score.
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300 to 900 explained. See exactly which loans and cards you qualify for at every score.
Proven steps to raise your score — some work in as little as 30 days.
The minimum credit score you need for a personal loan at every major bank.
CIBIL vs Experian vs Equifax — what's the difference and which one matters?
Credit bureaus in India — CIBIL (TransUnion), Experian, Equifax and CRIF High Mark — calculate your score using five broad factors. While the exact formula is private, the relative importance of each factor is well established:
Payment history (~35%): Paying EMIs and credit card bills on time is the single biggest factor. Even one missed payment can pull your score down sharply.
Credit utilisation (~30%): How much of your available credit limit you use. Keeping it under 30% helps your score; maxing out your cards hurts it.
Credit age (~15%): The longer your accounts have been active and in good standing, the better. Avoid closing your oldest cards.
Credit mix (~10%): A healthy blend of secured loans (home, auto) and unsecured credit (cards, personal loans) signals you can handle different credit types.
New enquiries (~10%): Every time you apply for credit, lenders run a "hard enquiry." Too many in a short time signals risk and lowers your score.
Want a personalised read on which of these is helping or hurting you? Use our free Score Health Check — it takes under a minute and gives you specific actions.
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