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What Is a Good CIBIL Score in India? (2026)

What is a good CIBIL score in India
CIBIL Score Range Explained – 300 to 900 in India

If you are planning to apply for a loan or credit card in India, understanding the CIBIL score range (300–900) is extremely important.

Many people check their CIBIL score but still don’t know what their score actually means and whether it is good or bad.

In this detailed beginner-friendly guide, we will explain:

  • The full CIBIL score range (300–900)

  • What is considered a good CIBIL score in India

  • How banks and NBFCs judge your score

  • What to do if your score is low

What Is the CIBIL Score Range?

The CIBIL score range starts from 300 and goes up to 900.

  • 300 = Very poor credit profile

  • 900 = Excellent credit profile

Your score is calculated based on:

  • EMI repayment history

  • Credit card usage

  • Loan defaults or delays

  • Number of credit applications

👉 Higher score = lower risk = better loan approval chances

CIBIL Score Range Explained (Detailed Breakdown)

🔴 300 – 549 : Very Poor CIBIL Score

This range indicates a high-risk borrower.

Why score is this low:

  • Multiple missed EMIs

  • Credit card defaults

  • Loan settlements or write-offs

  • Very high credit card usage

Loan approval chances:
❌ Very low
Most banks will reject loan or credit card applications.

What you should do:

  • Do not apply for new loans

  • Clear all pending dues

  • Pay EMIs on time for at least 6 months

👉 Improvement is possible, but it requires patience.

🟠 550 – 649 : Poor CIBIL Score

This range shows you have a credit history, but it is not healthy.

Common reasons:

  • Occasional EMI delays

  • High credit utilization

  • Too many loan enquiries

Loan approval chances:
⚠️ Low to moderate
Some lenders may approve loans at high interest rates.

What you should do:

  • Pay all EMIs before due date

  • Reduce credit card usage below 30%

  • Avoid applying for multiple loans

🟡 650 – 749 : Fair / Average CIBIL Score

This is an average but acceptable range.

What it means:

  • You manage credit reasonably well

  • Minor mistakes exist in your credit history

Loan approval chances:
✅ Possible
But interest rates may not be the best.

Advice:
If you are planning a home loan or car loan, try improving your score to 750+ before applying.

🟢 750 – 799 : Good CIBIL Score

This range is considered a good CIBIL score in India.

Why this range is important:

  • Most banks prefer borrowers with 750+ score

  • Faster loan approval

  • Better interest rates

Loan approval chances:
✅ High

👉 This is the ideal range for personal loans, car loans, and most credit cards.

🟢 800 – 900 : Excellent CIBIL Score

This is the best possible CIBIL score range.

What it shows:

  • Perfect repayment discipline

  • Low credit utilization

  • Long and clean credit history

Benefits:

  • Lowest interest rates

  • Premium credit cards

  • Higher loan limits

👉 Very few people reach this range, but it gives maximum financial flexibility.

What Is a Good CIBIL Score in India?

A good CIBIL score in India is 750 or above.

Bank-wise expectations (approximate):

  • Personal loan: 750+

  • Home loan: 760+

  • Car loan: 700+

  • Credit cards: 750–780+

Higher score = better negotiation power on interest rates.

Real-Life Example (Easy to Understand)

Suppose:

  • Rahul has a CIBIL score of 620

  • Amit has a CIBIL score of 780

Both apply for the same personal loan.

👉 Result:

  • Rahul may get rejected or charged high interest

  • Amit gets approved quickly with lower interest

This shows why CIBIL score range matters.

What If You Have No CIBIL Score?

If you never took a loan or credit card, your report may show:

  • NH / NA (No History)

This is common for:

  • Students

  • First-time earners

How to build score:

  • Get a secured credit card

  • Take a small consumer loan

  • Repay on time for 3–6 months

How Long Does It Take to Move from One Range to Another?

  • From 600 to 700 → 4–6 months

  • From 650 to 750 → 6–12 months

  • From 750 to 800+ → Long-term discipline

👉 There is no shortcut, consistency is the key.

Common Myths About CIBIL Score Range

❌ Checking CIBIL score reduces it
❌ Old closed loans don’t matter
❌ One missed EMI ruins score forever

✔️ Truth:
Regular on-time payments can fix most problems.

What to Do If Your CIBIL Score Is Low?

  • Pay all EMIs on time

  • Keep credit card usage below 30%

  • Avoid loan settlements

  • Don’t apply for unnecessary credit

👉 Read next:
What Is CIBIL Score & How to Improve It (Beginner Guide 2026)

FAQs

Is 700 a good CIBIL score?

700 is average. Approval is possible, but better offers come with 750+.

Can I get a loan with 650 CIBIL score?

Yes, but interest rates may be higher and approval is not guaranteed.

How often should I check my CIBIL score?

Every 3–6 months is ideal.

Final Words

Your CIBIL score range (300–900) plays a major role in:

  • Loan approval

  • Interest rates

  • Credit card eligibility

Always aim to keep your score above 750 for stress-free borrowing in India.