A CIBIL score is a 3-digit number (300–900) that represents your creditworthiness. Banks and NBFCs use this score to decide whether to approve your loan or credit card.

750 and above – Excellent (easy loan approval)
700–749 – Good
650–699 – Average Below
650 – Low (loan approval becomes difficult)

You can check your CIBIL score once a year for free from official credit bureaus or trusted financial platforms without affecting your score.

You can improve your CIBIL score by:

Paying EMIs and credit card bills on time

Keeping credit usage below 30%

Avoiding multiple loan applications

Closing unused credit cards carefully

Checking your credit report for errors

Yes, emergency loans are possible even with low CIBIL score, but:

Interest rates may be higher

Loan amount may be limited

Some lenders ask for income proof or guarantor

Minor improvements can be seen in 2–3 months, but significant improvement usually takes 6–12 months, depending on your repayment behavior.

❌ No.

Checking your own credit score is a soft enquiry and does not affect your CIBIL score.

The major factors are:

Payment history (most important)

Credit utilization

Loan types (secured + unsecured mix)

Credit age

Number of loan enquiries

Yes, most banks and NBFCs check CIBIL score for:

Personal loans

Home loans

Car loans

Credit cards

Some lenders may approve loans with low score under special conditions.

Yes. A bad CIBIL score is not permanent. With disciplined repayments and smart credit usage, your score can be rebuilt over time.