Know Your Credit Score

Your CIBIL score is a three-digit number between 300 and 900 that determines your creditworthiness. A higher score means better loan terms, lower interest rates, and faster approvals.

Credit Score Range

300900

PoorFairGoodExcellent

Your Financial Health Overview

Your Financial Health Score

72Good

Credit Health78/100

Your credit health is strong

Savings65/100

Build an emergency fund of 6 months' expenses

Insurance70/100

Well protected

Investments74/100

Strong investment portfolio

What is a CIBIL Score?

CIBIL (Credit Information Bureau India Limited), now known as TransUnion CIBIL, maintains credit information of millions of individuals and businesses in India.

Your CIBIL score is calculated based on your credit history — how you repay loans and credit card bills, how much credit you use, how long you have had credit, and how often you apply for new credit. It ranges from 300 (lowest) to 900 (highest).

Banks and NBFCs check your CIBIL score before approving any loan or credit card application. A score of 750 or above is considered ideal.

Understanding Score Ranges

Poor300 – 549

Loan applications are very likely to be rejected. High interest rates if approved.

Fair550 – 649

Limited options. You may get approved by NBFCs at higher interest rates.

Good650 – 749

Most banks will approve your application. Decent interest rates available.

Excellent750 – 900

Best interest rates, instant approvals, and access to premium credit cards.

How Your Score Affects You

Loan Approval

A score above 750 significantly increases your chance of loan approval. Below 650, most banks will reject your application outright.

Interest Rates

The difference between a 650 and 800 score can mean significantly lower interest rates — saving you lakhs over a home loan tenure.

Credit Card Eligibility

Premium credit cards typically require a score of 750+. Even basic cards need 650+.

8 Tips to Improve Your CIBIL Score

1Pay all EMIs and credit card bills on time — payment history is 35% of your score
2Keep credit utilisation below 30% of your total credit limit
3Do not apply for multiple loans or cards in a short period
4Maintain a healthy mix of secured (home/car loan) and unsecured (credit card) credit
5Check your CIBIL report regularly and dispute any errors immediately
6Do not close old credit card accounts — longer credit history improves your score
7Avoid settling loans for less than the full amount — settled accounts hurt your score
8If you have no credit history, start with a secured credit card or a small personal loan

Check Your Free CIBIL Score

Get your CIBIL score and detailed credit report for free. No credit card required. Updated monthly.

Check Your Free CIBIL Score

The financial health scores shown above are for illustrative purposes only and do not represent your actual credit score. CIBIL is a registered trademark of TransUnion CIBIL Limited. RupeeLens is not affiliated with CIBIL. Credit score information is sourced from publicly available data. Consult the official CIBIL website for your actual score.