BAJAJ FINSERV DIRECT LIMITED
Check Your CIBIL Score & Get Free Credit Report Online Instantly

CIBIL Score of 733: Is it Good or Bad?

Is a credit score of 733 good or bad? Learn what a credit score of 733 means for your credit health, its benefits, and how to maintain or improve a CIBIL score of 733.

Are CIBIL and Credit Scores of 733 the Same

A CIBIL score is a specific type of credit score, but the two terms are not interchangeable. A credit score is a general term that refers to a three-digit number representing your creditworthiness. A CIBIL score, on the other hand, is issued specifically by TransUnion CIBIL.

In India, four major credit bureaus are authorised to provide credit scores:

  • TransUnion CIBIL 

  • Experian

  • Equifax

  • CRIF Highmark

A CIBIL score of 733 in India is considered good. Regardless of the bureau, a score in this range typically reflects sound credit behaviour. However, when a score is referred to as a ‘CIBIL score’, it specifically denotes a score provided by TransUnion CIBIL. 

Is 733 a Good CIBIL Score

A CIBIL score of 733 is usually considered good. It reflects responsible credit behaviour and a reliable repayment history. With a score above 700, you are more likely to qualify for loans, credit cards, and favourable interest rates. Lenders may still assess other criteria before granting approval. 

Meaning of a Credit Score of 733 Across Different Bureaus

Here is how a 733 credit score is categorised across different credit bureaus in India:

Credit Bureau

Score Range

Credit Score of 733

TransUnion CIBIL

300 – 900

Good

CRIF High Mark

300 – 900

Good

Experian

300 – 850

Good

Equifax

300 – 850

Good

Credit Products Available with a CIBIL Score of 733

A CIBIL score of 733 is good and enables access to multiple credit products with favourable terms. Here are some credit facilities you can get with a CIBIL score of 733:

  • Personal Loans Available for a Credit Score of 733

A CIBIL score of 733 is typically viewed as favourable by many lenders. This score may allow you to apply for unsecured personal loans with competitive interest rates and adaptable repayment terms. On Bajaj Markets%, the loan amount offered depends on your earnings and financial standing.

  • Credit Card Options with a Credit Score of 733

Having a score of 733 can help you access a broad range of credit cards. Many issuers may extend options such as cashback cards, travel cards, fuel cards, and premium cards, based on your income and overall credit profile.

  • Home Loans Available for a CIBIL Score of 733

With a score of 733, you may qualify for housing finance at relatively lower rates of interest. Bajaj Markets% provides access to home loan products with flexible repayment schedules and a wide range of funding options.

  • Business Loans Available for a CIBIL Score of 733

This score may help you secure business financing without collateral. Based on your business credentials and repayment history, Bajaj Markets% offers unsecured loan options that support a variety of commercial needs.

  • Vehicle Loans Available for a CIBIL Score of 733

Lenders often consider a score of 733 reliable, which may lead to faster approval of vehicle finance. You may explore multiple products on Bajaj Markets%, including loans for new or used vehicles, with favourable lending terms. 

Disclaimer: Credit approval is subject to the lender’s internal policies, eligibility criteria, and documentation.

Pre-approved Loan and Credit Card Offers with a 733 CIBIL Score

The CIBIL score required for pre-approved loans and credit card offers may differ across lenders. A score of 733 can make you eligible for such offers, but approval is not always guaranteed.

To boost your eligibility, pay dues on time and keep your credit use low. Additionally, avoid applying for multiple new loans at once.

Loan Rejection Reasons Even with a 733 CIBIL Score

A CIBIL score of 733 is good, but it may not guarantee loan approval. Lenders evaluate multiple factors beyond your score, and certain issues in your credit profile can lead to rejection. These include:

  • Remarks in CIBIL Report: Even with a good score, remarks such as “settled” or “written-off” can lead to rejection

  • Frequent Loans: Frequent borrowing or multiple credit enquiries may reflect high credit dependency, making lenders hesitant to approve new loans

  • High Debt-to-Income Ratio: A high level of debt in proportion to your income may result in rejection, as it indicates repayment risk

  • Unhealthy Credit Mix: Overreliance on a single type of credit increases risk and may reduce your chances of approval

  • Loan Rejection in the Past: A history of rejected applications reflects poorly on your CIBIL profile, making lenders more cautious

  • Detail Mismatches: Missing or inconsistent information in your application documents may lead to rejections

Insights in a CIBIL Report with a CIBIL Score of 733

A CIBIL score of 733 reflects sound financial behaviour. The Bajaj Markets app allows you to delve deeper into your credit health with these report sections.

1. Historical Score Chart

Monitor your score's trajectory over the past six months. If you have recently joined, the app may only display the latest score.

2. Breakdown of Credit Indicators

This part shows what supports or lowers your score:

  • Timely Repayments: A higher percentage indicates reliability

  • Credit Usage: Low utilisation is labelled as 'Good'

  • Credit Age: A long-standing history adds to your credibility

  • Credit Variety: Reliance on one credit type may be flagged

  • Credit Applications: Multiple recent enquiries are viewed negatively

3. Loan Summary

Get information about each loan:

  • Issuing bank and loan classification

  • Sanctioned and pending amounts

  • EMIs and repayment records

  • Most recent payment date

Visual cues indicate performance status: green for regular payments, yellow for delays, red for defaults.

4. Credit Card Snapshot

This segment includes:

  • Total and used credit limit

  • Starting date of the card usage

Monitoring this section helps maintain optimal usage levels.

Benefits of Having a Credit Score of 733

Low Interest Rates

Lenders are likely to approve loan applications for borrowers with a score of 733, with lower interest rates.

Loan Approvals

A score of 733 significantly increases your chances of loan approval, as lenders view you as a low-risk borrower. 

Basic to Mid-range Credit Cards

A credit score of 733 qualifies you for standard credit cards with cashback and reward benefits. Some lenders may also allow you to get premium cards with this score.

Improved Financial Reputation

A score of 733 reinforces your financial reputation, indicating that you are a reliable and responsible borrower.

Low Insurance Premium

Having a credit score of 733 may also make you eligible for lower insurance premiums, as it reflects financial discipline and reduced risk to insurers.

Easy Emergency Funding

A CIBIL score of 733 ensures faster access to emergency loans or credit lines during financial difficulties.

Easier Negotiations with Lender

A score of 733 may strengthen your position when negotiating with lenders. It can potentially enable you to secure lower interest rates and more flexible repayment terms.

View More

How to Maintain and Improve a 733 Credit Score

Improving or maintaining a CIBIL score of 733 requires consistency and attention to financial habits. Here is how you can do it:

  • Timely Payments

Ensure that all EMIs, credit card payments, and utility bills are paid on or before their due dates. Timely payments are critical for preserving your credit score. 

  • Low Credit Utilisation 

Aim to use less than 30% of your total credit limit. For instance, if your credit limit is ₹1 lakh, limit spending to ₹30,000. 

  • Limited Hard Enquiries 

Limit the number of credit applications you make within a short period, as each hard inquiry can temporarily impact your score. 

  • Regular Monitoring of Your Credit Report

Regularly review your credit report to spot errors or inaccuracies. Rectifying discrepancies promptly ensures your CIBIL score of 733 remains unaffected.

  • Diversify Your Credit Mix

Maintaining a mix of secured loans (e.g., car loans) and unsecured loans (e.g., personal loans) reflects financial stability and boosts your credit profile. 

  • Maintain Older Accounts

Accounts with a long and positive credit history contribute significantly to your credit age, boosting your CIBIL score. 

  • Seek Financial Advice

Consulting a financial advisor can help you optimise your credit usage, plan repayments, and adopt strategies to boost your score.

Frequently Asked Questions

Can a credit score of 733 be achieved within a year?

Yes, achieving a credit score of 733 within a year is possible with disciplined financial practices. Timely payments, maintaining low credit utilisation, and avoiding frequent credit applications are key to building or improving your score.

Yes, a CIBIL score of 733 qualifies you for credit cards with cashback and reward benefits. However, premium credit cards may require a slightly higher score.

A score of 733 means you are a low-to-moderate risk borrower, ensuring smoother home loan approvals. While you may qualify for competitive terms, interest rates may not be as low as those offered to excellent scores.

The personal loan amount you can secure with a CIBIL score of 733 depends on factors like your income, employment stability, and debt-to-income ratio. A strong credit profile at this score typically allows access to reasonable loan amounts with moderate interest rates.

Yes, a credit score of 733 is regarded as good, particularly for individuals early in their credit journey. It indicates sound financial conduct and responsible repayment habits.

Yes, a score of 733 is considered good. It indicates responsible credit usage and enhances your chances of getting loan approvals, attractive interest rates, and access to premium credit products.

View More
Home
Home
ONDC_BD_StealDeals
Steal Deals
CIBIL Score
CIBIL Score
Accounts
Accounts
Explore
Explore

Our Products