CIBIL Score Kya Hota Hai? Improve Kaise Kare? (2026 Complete Guide)

 

CIBIL Score kya hota hai?

CIBIL score ek 3-digit credit score hota hai jo bank/financial institutions applicant ko loan ya credit card dene se pehle evaluate karte hai. Score 300–900 ke beech hota hai.

CIBIL Score Range

Score	Meaning	Result
300–579	Poor	Loan reject
580–669	Fair	Loan costly
670–739	Good	Loan possible
740–799	Very Good	Better terms
800–900	Excellent	Best approval

CIBIL Score kin cheezon par depend karta?

✔ Credit Card usage
✔ EMI payments
✔ Loan history
✔ Credit duration
✔ Credit inquiries
✔ Overdue/Defaults

CIBIL Score Improve Kaise Kare? (2026)

1. EMI time par pay karo

2. Credit card utilization 30% se kam rakho

3. Loan settle mat karo (negative impact)

4. Multiple inquiries avoid

5. Old accounts maintain karo (age factor)

6. Credit mix (card+loan) balance rakho

7. Errors dispute karo

Free CIBIL check kaise kare?

✔ CIBIL official
✔ Bank apps
✔ Credit card apps
✔ Fintech apps
✔ RBI mandate: 1 free yearly

Loan ke liye CIBIL Kitna Chahiye?

Product	Ideal Score
Personal Loan	750+
Home Loan	720+
Car Loan	700+
Credit Card	750+
Business Loan	740+

Credit Card me CIBIL ka role

✔ Approval

✔ Limit
✔ APR/Interest
✔ Offers

CIBIL Score girta kyu hai?

❌ Late EMI
❌ Maxed out credit card
❌ Loan settle
❌ Hard inquiries
❌ No credit history

FAQ

Q: 750 score accha? → Yes very good
Q: Score update kab hota? → Monthly
Q: NRI ka CIBIL? → Yes
Q: 0/NA score ka kya? → No credit history