Cibil Score

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Cibil Score

A CIBIL score (issued by TransUnion CIBIL) is a 3-digit credit score ranging from 300 to 900, that represents your creditworthiness in India. Banks and lenders use it to decide whether to approve loans or credit cards for you

  • Repayment history - Timely payment of EMIs and credit card dues.
  • Credit utilization ratio - Using too much of your available credit lowers the score
  • Credit mix - A balanced mix of secured (home/auto loan) and unsecured (credit card/personal loan)credit is better.
  • Number of hard inquiries - Too many loan/credit card applications can reduce the score.
  • Length of credit history - Older accounts help build trust.

Determines loan eligibility (home loan, car loan, personal loan, etc.). Impacts interest rates (higher scores often mean lower interest). Important for credit card approvals and even some job/employment background checks.

"Any adult Indian with a PAN card and some credit activity (loan or credit card) is eligible to get a CIBIL score"

  • High score (750 and above): Strong chance of loan/credit approval at better interest rates.
  • Medium score (650 - 749): Eligible, but lenders may apply stricter terms or higher rates.
  • Low score (below 650): Harder to get credit; may need a guarantor or security

To check your CIBIL score or get a CIBIL report (Credit Information Report - CIR), you need to provide some personal and financial details.

1. For Individuals

Identity Proof (any one):

  • PAN Card (mandatory for online CIBIL check)
  • Aadhaar Card
  • Passport
  • Voter ID
  • Driving License

Address Proof (any one):

  • Aadhaar Card
  • Passport
  • Voter ID
  • Utility Bills (electricity/telephone)
  • Bank Account Statement

Date of Birth Proof (usually covered in PAN/Passport/Aadhaar)

Email ID & Mobile Number (for online verification and OTP)

2. For Companies / Businesses (Commercial CIBIL Report)

  • Company PAN Card
  • Proof of Address (e.g., electricity bill, phone bill, lease agreement)
  • Proof of Business Incorporation (Certificate of Incorporation, Partnership Deed, etc.)
  • Bank account details

Age

  • Any individual above 18 years can have a CIBIL score.

Credit History Requirement

  • You must have at least one credit product in your name: Loan (home loan, car loan, personal loan, etc.) Credit card
  • If you've never taken credit, you'll see “NA/NH” (No History) instead of a score.

Residency

  • Available for Indian residents with a valid PAN Card.
  • NRIs can also have a CIBIL score if they've availed credit in India.

Documents Needed

  • PAN card (mandatory)
  • Additional KYC documents (Aadhaar, Passport, Voter ID, Driving License) if required by banks or lenders.
 
     
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