A CIBIL score is a 3-digit number ranging from 300 to 900 that reflects your credit history and repayment behavior. A higher score increases your chances of loan and credit card approval.
It is calculated based on factors like payment history, credit utilization, length of credit history, credit mix, and recent loan inquiries. Each factor has a different weightage in your overall score.
No. Our tool only provides an estimated score range based on your inputs. It is a soft check and does not affect your official CIBIL score in any way.
Generally, a CIBIL score above 750 is considered good and increases your chances of getting loans and credit cards approved at better interest rates.
You can improve your score by making timely payments, reducing credit utilization to below 30%, avoiding multiple loan applications in a short time, and maintaining a healthy mix of secured and unsecured credit.
Yes, our CIBIL Score Estimator is completely free to use and does not require any registration or payment.