Your CIBIL Score
What the number means, what moves it, and what to do before you apply.
What the bands mean
Best rates and the widest choice of lenders.
Approved by most lenders, pricing slightly above best.
Approvals happen, but expect a higher rate or smaller sanction.
Limited options. Worth repairing before applying.
Focus on repair first; applying now mostly costs you enquiries.
What drives the number
Whether you pay on time, every time. The heaviest single factor.
How much of your available limit you use. Stay under 30%.
How long your accounts have been open. Keep your oldest card.
A balance of secured and unsecured borrowing reads better than one type.
Several applications in a short window reads as credit hunger.
Weightings are approximate and CIBIL does not publish an exact formula. The ordering, however, is consistent: payment history and utilisation dominate.
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Every credit bureau in India must give you one free full report each year. Get yours directly from CIBIL, Experian, Equifax or CRIF High Mark. iAdvisory does not resell credit reports and will never ask you to pay us for one.