CIBIL Score Estimator


Your CIBIL Score Range

NA or NH

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This indicates that you do not have a credit history, credit records are available for less than 6 months or you do not have a credit card. This score isn’t necessarily bad, but few banks or financial institutions will lend loans to a first time borrower or an applicant with no credit history because they cannot gauge the risk.

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CIBIL Score Analysis

Score Analysis Apply for Loan
-1 This indicates that the borrower has no credit history; he has never borrowed nor owns a credit card from any financial institution. Apply with Cibil -1
300 - 600 This indicates multiple defaults, overdue payments and write-offs on previous loans and credit card payments. It is very hard to obtain a loan for someone in this bracket from banks and financial institutions. The loan applications will be rejected in most cases as this score is considered to be a credit risk with higher chances of default. Apply with Cibil 300 - 600
600 - 750 This indicates there are instances of late payments and irregularity of payments against loans and credit cards in the past. It is neither a bad score nor a good one. Banks and financial institutions will be cautious and might perform additional credit check to gauge the credit-worthiness of the individual. They might demand guarantors, security or collateral if necessary before sanctioning the loan. Banks and financial institutions might charge a higher rate of interest in such cases. Apply with Cibil 600 - 750
750 - 900 This is a positive indicator for the banks and financial institutions to approve loans, both secured and unsecured. This signifies that you have never defaulted and have been consistent in repaying your previous loans or credit card bills. Banks will be more than happy to advance you a loan which will help you negotiate for lower interest rates, processing fees and pre-closure charges. Apply with Cibil 750 - 900
NA or NH This indicates that you do not have a credit history, credit records are available for less than 6 months or you do not have a credit card. This score isn’t necessarily bad, but few banks or financial institutions will lend loans to a first time borrower or an applicant with no credit history because they cannot gauge the risk. Apply with Cibil NA or NH

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