Understand CIBIL like an expert. Score ranges, eligibility criteria, bank requirements, and proven tips to help your customers improve their score.
What each score range means for loan and credit card eligibility
All banks approve easily. Lowest interest rates. Pre-approved offers.
Premium credit cards with high limits. Instant approval.
Maintain this score. Don't take unnecessary loans.
Most banks approve. Slightly higher interest rates than 750+.
Good credit cards available. May need income proof.
Pay all EMIs on time. Reduce credit utilization below 30%.
Limited banks. Higher interest rates. May need collateral or guarantor.
Basic credit cards only. Secured cards recommended.
Focus on timely payments. Don't apply for multiple loans.
Only NBFCs. Very high interest (18-30%). Collateral usually required.
Only secured credit cards against FD.
Clear all dues. Wait 6-12 months before applying.
Almost impossible. Need guarantor with good CIBIL or 100% collateral.
No credit cards available.
Settle all defaults. May take 1-2 years to rebuild.
New to credit. Some banks have programs for first-time borrowers.
Secured cards or cards against salary account.
Start with secured card or small personal loan to build history.
Understanding these factors helps you advise customers on how to improve
Whether you pay EMIs and credit card bills on time
📌 Highest impact. Single late payment can drop score by 50-100 points.
How much of your credit card limit you use
📌 Keep below 30%. Using 80%+ hurts score significantly.
How old your credit accounts are
📌 Older accounts are better. Don't close old credit cards.
Mix of secured (home, car) and unsecured (personal, card) loans
📌 Having both types shows you can handle different credit.
How many times you've applied for credit recently
📌 Multiple applications in short time = looks desperate = score drops.
Quick reference for which bank to approach based on customer's CIBIL score
| Bank / NBFC | Personal Loan | Home Loan | Business Loan | Credit Card |
|---|---|---|---|---|
| HDFC Bank | 700+ | 700+ | 700+ | 750+ |
| ICICI Bank | 700+ | 700+ | 700+ | 720+ |
| Axis Bank | 700+ | 700+ | 700+ | 720+ |
| SBI | 650+ | 650+ | 650+ | 700+ |
| Bajaj Finserv | 685+ | - | 700+ | 700+ |
| Tata Capital | 700+ | 700+ | 680+ | - |
| Kotak Bank | 700+ | 700+ | 700+ | 720+ |
| IndusInd Bank | 700+ | - | - | 700+ |
Actionable advice you can give to customers with low CIBIL scores
Set auto-debit for all loans. Even 1 day late is reported to CIBIL.
If limit is ₹1L, keep outstanding below ₹30K at statement date.
Old cards increase credit history length. Use them occasionally.
Any overdue amount kills your score. Clear everything first.
Don't apply to multiple banks. Each enquiry is recorded.
Sometimes banks report wrong info. Dispute errors on CIBIL website.
No one can directly edit or repair your CIBIL score. Anyone promising to "increase your score" or "remove negative entries" for money is running a scam. CIBIL scores are automatically calculated based on your credit behavior reported by banks.
Legitimate ways to improve: Pay on time, reduce utilization, dispute genuine errors through official CIBIL dispute process (free).
VistarKriya offers CIBIL report fetching from all 4 bureaus - without OTP. Check eligibility before processing loans.
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