CIBIL Score Guide

Enter your score to see your credit band, simulate improvement actions, and compare loan eligibility across score tiers.

Your CIBIL Score
750
300 (Poor)900 (Excellent)
750 Good
Poor Fair Average Good Excellent
Score Factors Simulator

Adjust each factor to simulate how it impacts your score estimate.

Payment History 35%
Never on-timeAlways on-time
Credit Utilization 30%
High (>80%)Low (<10%)
Credit Age 15%
< 1 year> 7 years
Credit Mix 10%
No varietyDiverse mix
New Enquiries 10%
5+ enquiries0 enquiries
Score Analysis
Score Band
Good
700 – 749
Approval Odds
High
Most lenders approve
Rate Premium
+0.25%
Over best available rate
Credit Card Tier
Premium
Rewards & travel cards
✅
Your score is in a good range. Most lenders will approve your application at competitive rates.
Factor-Based Estimate
Estimated Score (from factors)
748
Closely matches your entered score. Your factor profile looks well-balanced.
Payment History
85%
Credit Utilization
60%
Credit Age
50%
Credit Mix
70%
New Enquiries
80%