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CIBIL Score Range and What it Means

In India, the CIBIL Score ranges from 300–900 and is further divided into several categories:

CIBIL Score	Creditworthiness	Description
550 and below	Bad	You have a low chance of getting a loan, especially for a high amount. Discipline your finances before applying for a loan.
550 - 649	Poor	Delayed loan payments reflect the risk of not paying a loan on time. Improve your score by paying previous loans before applying for new ones.
650 - 699	Average	Loan approval is possible but with higher interest rates and fewer benefits. Improve your score by making timely payments.
700 - 749	Good	With a good CIBIL Score, your chances of loan approval increase. Further, improve your score to get better interest rates.
750 - 900	Excellent	This score indicates timely payments. Borrowers with super CIBIL Scores are considered low-risk and can get high loan amounts at attractive interest rates and minimal paperwork.

You have a low chance of getting a loan, especially for a high amount. Discipline your finances before applying for a loan.

Delayed loan payments reflect the risk of not paying a loan on time. Improve your score by paying previous loans before applying for new ones.

Loan approval is possible but with higher interest rates and fewer benefits. Improve your score by making timely payments.

With a good CIBIL Score, your chances of loan approval increase. Further, improve your score to get better interest rates.

This score indicates timely payments. Borrowers with super CIBIL Scores are considered low-risk and can get high loan amounts at attractive interest rates and minimal paperwork.

How to Check Your CIBIL Score for Free with Relook: Simple Steps for an Instant CIBIL Report Online

Check your CIBIL for free with Relook Leasing & Finance Pvt. Ltd. Follow these simple steps:

Go to Check CIBIL Score: Visit our website and go to ‘Check CIBIL Score’.
Sign in with Mobile Number: Enter your mobile number to sign in.
Fill out the Form: Enter your details, including your PAN number.
Get Your Score: View your CIBIL score instantly for free.

To monitor your credit health, you can check your CIBIL score online for free. Our Free CIBIL Score option lets you view your report instantly, helping you understand and improve your credit profile.

Tips to Improve Your CIBIL Score

To boost your CIBIL Score, consider the following strategies:

Pay On Time

Pay your bills on time. Late payments can hurt your CIBIL Score. Set up auto payments or reminders for due dates.

Manage Credit Utilisation

Use less than 30% of your total credit across all cards. Low balances compared to your credit limit show lenders you manage your credit well.

Diversify Credit

Maintain a mix of credit accounts like credit cards, auto loans, personal loans, and mortgages for a healthier profile.

Use Secured Credit Cards

If you’re building or repairing credit, a secured card can help. Pay the balance monthly to establish a good history.

Keep Old Accounts

Older accounts lengthen your credit history. Avoid closing them unnecessarily as it can hurt your score.

Monitor CIBIL Score

Regularly track your CIBIL score to detect fraud and ensure your financial activities are improving your profile.

Check Credit Reports

Review your credit reports for errors or fraud. Dispute incorrect entries to improve your score.

Seek Professional Help

Consult a credit counselling service for personalised strategies and debt management plans.

Apply for Credit Sparingly

Frequent applications can lower your score. Apply only when necessary and avoid multiple hard inquiries in a short time.