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Your CIBIL score is a three-digit number, ranging from 300 to 900, which acts as a measure of your credit worthiness. The score is derived after taking into consideration your credit history and details found in your CIBIL report, which is maintained as a record by Transunion CIBIL.

Your lender checks your CIBIL score to verify your ability to repay the loan before giving you approval. The closer you are to a credit score of 900, the better are your chances of getting easy approval on your loan. A score closer to 300 is considered poor.

For most lenders, the minimum CIBIL score required to approve a personal loan is 750. Having a higher CIBIL score boosts your prospects of getting a better deal on your

in India varies by lender. The cut-off point for one could be 700, while it could be 650 for another. Because scores of 650 to 749 are considered 'good,' and scores of 750 and above are considered 'excellent.' The lender, on the other hand, determines the actual amount.

A credit score of 750 and above is considered good. If your credit score is in this range, you will have more chances of loan approval and will be eligible for most credit products.

Here are a few simple tips you can use to maintain a good CIBIL score:

  • Pay your monthly instalments on time to build a good track record
  • Manage your credit card carefully, set payment reminders and limit your usage
  • Choose longer loan tenure carefully, try to make part-prepayments when you can

If you have a poor CIBIL score, there is plenty you can do to improve it. Here are some handy tips:

  • Avoid being a co-signer for a loan unless you are sure of not needing to borrow anytime soon
  • Avoid acquiring too much debt
  • Ensure you repay all your EMIs and credit card bills on time
  • Use debt consolidation loans as and when necessary to manage your loans
  • Be cautious when borrowing and always have a proper repayment plan in place

You can check your CIBIL score for free right here on the Bajaj Finserv website (no consumer login or registration required).

All you need to do is follow these three simple steps:

  • Step 1: Share some basic information about yourself
  • Step 2: Verify your identity by confirming the OTP sent to your mobile number and email ID
  • Step 3: Check your CIBIL score and report.