How CIBIL Score Is Calculated – All Factors Explained

How CIBIL Score Is Calculated

Introduction

India me loan, credit card ya EMI lene ke liye sabse important cheez hoti hai CIBIL Score. Bahut logon ne iska naam suna hota hai, lekin ye calculate kaise hota hai, ye clear nahi hota. Isi wajah se kai log bina galti ke bhi loan reject face karte hain.

Is article me hum step-by-step detail me samjhenge:

• CIBIL score kya hota hai

• CIBIL score kaise calculate hota hai

• Kaun-kaun se factors isse affect karte hain

• Achha CIBIL score maintain kaise karein

Agar aap beginner ho, toh ye guide aapke liye complete foundation hai.

What Is CIBIL Score?

CIBIL Score ek 3-digit number (300–900) hota hai jo aapki credit history aur repayment behaviour ko show karta hai.

• 300 → Very Poor

• 900 → Excellent

Generally:

• 750+ score = Loan approval ke chances high

• Below 650 = Loan ya credit card reject hone ke chances

Banks aur NBFCs isi score ke basis par decide karte hain ki aap credit-worthy ho ya nahi.

How Is CIBIL Score Calculated? (Overview)

CIBIL score sirf income se calculate nahi hota. Ye aapke past credit behaviour par based hota hai.

CIBIL mainly 5 major factors ko consider karta hai:

1. Payment History

2. Credit Utilization

3. Credit Mix

4. Credit Age

5. Credit Enquiries

Ab hum in sab factors ko detail me samjhenge.

1️⃣ Payment History (35%) – Sabse Important Factor

Payment history ka matlab hota hai:

Aap apni EMI aur credit card bill time par pay karte ho ya nahi

          Ye factor sabse zyada weightage (~35%) rakhta hai.

Kya cheez score ko improve karti hai?

• EMI hamesha on-time pay karna

• Credit card ka minimum due bhi delay na karna

Kya cheez score gira deti hai?

• Late payments

• Missed EMI

• Loan default

⚠️ Ek bhi late payment aapke score ko kaafi neeche gira sakti hai.

2️⃣ Credit Utilization Ratio (30%)

Credit utilization ka matlab hota hai:

Aap apni total credit limit ka kitna percent use kar rahe ho

Example:

• Credit limit: ₹1,00,000

• Used amount: ₹70,000

👉 Credit utilization = 70% ❌ (High)

Ideal Utilization:

• Below 30% ✅

High utilization ye signal deta hai ki:

• Aap credit par zyada dependent ho

• Financial pressure ho sakta hai

Isliye banks isse risk factor maante hain.

3️⃣ Credit Mix (10%)

Credit mix ka matlab hota hai:

Aapke paas kaun-kaun se type ke loans hain

Types of credit:

• Secured loans → Home loan, Car loan

• Unsecured loans → Personal loan, Credit card

Best Practice:

• Sirf credit card ya sirf personal loan par dependent na rahein

• Thoda balanced mix rakhein

Achha credit mix aapko financially responsible borrower dikhata hai.

4️⃣ Credit Age / Credit History Length (15%)

Credit age ka matlab hota hai:

Aap kab se credit use kar rahe ho

Longer credit history = Better score

Isliye:

• Purana credit card bina reason close mat kijiye

• Old accounts score ke liye positive hote hain

New users ka score slow grow karta hai, jo bilkul normal hai.

5️⃣ Credit Enquiries (10%)

Jab bhi aap:

• Loan ke liye apply karte ho

• Credit card apply karte ho

toh bank hard enquiry karta hai.

Problem kab hoti hai?

• Short time me bahut zyada enquiries

• Multiple loans ek saath apply karna

Isse bank ko lagta hai ki aap financial trouble me ho.

👉 Isliye sirf zaroorat par hi loan ya card apply karein.

CIBIL Score Range Explained

👉 750+ score wale users ko:

• Low interest rates

• Fast approvals

• Better credit offers milte hain

Common Myths About CIBIL Score

❌ Income zyada ho toh score achha hota hai
❌ CIBIL check karne se score girta hai
❌ Zero loan history = good score

✅ Sach:

• Income ka direct role nahi hota

• Self CIBIL check safe hota hai

• Zero history ka matlab no score

How to Improve CIBIL Score Fast (Beginner Tips)

• ✔ EMI aur bills time par pay karein

• ✔ Credit utilization 30% se neeche rakhein

• ✔ Unnecessary loans avoid karein

• ✔ Old credit accounts close na karein

• ✔ Regularly CIBIL report check karein

Consistency se 6–12 months me score improve hota hai.

Conclusion

CIBIL score ek number nahi, balki aapki financial reputation hoti hai.
Agar aap samajh jaate ho ki CIBIL score kaise calculate hota hai, toh aap apni financial life ko better control kar sakte ho.

👉 Aaj se hi sahi credit habits follow kijiye aur future me loan rejection se bachiye.