Loans & credit
Credit score (CIBIL)
Also known as: CIBIL score, Credit rating
A 300-900 number that rates how reliably you repay debt, deciding your loan approvals and rates.
Your credit score, often called your CIBIL score, is a 3-digit summary of your borrowing history. Higher is better.
It is built from paying EMIs and card bills on time, how much of your credit limit you use, and how long you have had credit.
A score above 750 gets you easy approvals and better rates. A low score means rejections or costly loans.
For example
Two people want the same ₹10L loan. The one with a 780 score gets a lower rate; the one at 650 may pay more or get rejected.