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1Details
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Score Guide
What Does Your Score Mean?
750–900
Excellent
Best rates & instant approvals
650–749
Good
High chances of approval
550–649
Fair
Higher interest rates possible
300–549
Poor
Loan approval may be difficult
Score Components
What Affects Your Score?
Key factors that determine your credit score
35%
Payment History
Track record of paying bills and EMIs on time
30%
Credit Utilisation
Ratio of credit used vs total credit available
15%
Credit Age
How long you've been using credit products
10%
Credit Mix
Variety of credit types — loans, cards, etc.
Improve Your Score
Proven tips to boost your credit score
- Pay all EMIs and credit card bills on time
- Keep credit utilization below 30%
- Avoid applying for multiple loans at once
- Maintain a healthy mix of secured and unsecured credit
- Regularly check your credit report for errors
- Keep old credit accounts active
Why It Matters
Your score = your financial passport
A good credit score (750+) can help you get loan approvals faster and at much lower interest rates — saving you tens of thousands of rupees over your loan tenure.
₹1.2L+
Avg savings on 30L loan
2×
Faster approvals
2.5%
Lower interest rate