Frequently Asked Questions

A CIBIL score is a 3-digit number between 300 and 900 that represents your creditworthiness. It is calculated by TransUnion CIBIL based on your credit history — how you've borrowed and repaid money. Banks and lenders use it to decide whether to approve your loan or credit card application.

With consistent effort — paying all bills on time, reducing credit card usage, and avoiding new applications — most people can see a 50–100 point improvement in 3–6 months. A score in the 'Poor' range can realistically reach 'Good' within 12–18 months.

Most banks require a minimum score of 650–700 for home loan approval. However, a score of 750+ gives you access to the best interest rates, which can save you significant money over a long loan tenure. Some banks may consider scores below 650 with additional collateral.