What is a CIBIL Score?

A CIBIL score is a 3-digit number between 300 and 900 that shows how you manage your credit, such as loans, EMIs, and credit cards. Banks and NBFCs check it before approving a loan or a credit card. A higher score means you’re a more reliable borrower. Usually, 750 and above is considered a good score for faster approvals and better loan offers.

Ab samjho simple terms mein

Ye score batata hai ki aap paisa kitna responsibly handle karte ho. Agar aap time par EMI aur bill bharte ho, to score high rehta hai. Agar payment delay ya loan default hota hai, to score down ho jata hai.

Score kin cheezon se banta hai

• Time par EMI aur credit card bill payment
  
• Credit card limit ka 30% se kam use karna
  
• Bar-bar naya loan ya card apply na karna
  
• Purane credit accounts ko active rakhna
  
• Loan aur credit card dono ka healthy mix rakhna

Score badhane ke tips

• Har bill time se bharo
  
• Credit card limit ko max mat karo
  
• Sirf zarurat ke time hi naya credit lo
  
• Purane accounts band mat karo

Bas itna yaad rakho, score strong hoga to loan lena easy hoga, rate bhi kam milega.