773 Credit Score: Is It Good or Bad

A credit score of 773 is a strong indicator of healthy financial behaviour. It shows that you’ve paid your dues on time, managed your credit well, and avoided unnecessary borrowing.

 

With this score, lenders are more likely to trust you with higher loan amounts and better interest rates. You may also qualify for premium credit products with quicker approvals. In most cases, a 773 CIBIL score falls well within the favourable range for both secured and unsecured loans.

 

To keep this advantage, it’s important to continue making smart credit decisions and maintaining financial discipline.

Although each credit bureau uses its own scoring model, a 773 score is generally considered “very good” or “excellent” across the board. It reflects a strong repayment history and responsible credit usage.

 

Here’s how major Indian bureaus usually classify a 773 score:

Lenders use credit scores to evaluate the risk of lending. A credit score of 773 places you in the trusted bracket. It shows that you’ve used credit wisely and have maintained regular payments without defaults.

 

This score often meets the minimum cut-off for many premium loan and card products. It can also help you qualify for higher loan amounts, longer tenures, and lower processing charges.

 

When lenders see a 773 CIBIL score, they are more confident in approving your application, which could speed up your loan journey and improve your chances of negotiation.

A credit score of 773 improves your chances of qualifying for a wide range of credit products. Most lenders consider this score excellent, which may lead to quicker approvals, better interest rates, and higher loan amounts. On Bajaj Markets, you can explore credit options from trusted financial partners.

 

Here are some products you may be eligible for with a 773 score:

Home Loans at Favourable Interest Rates

With a 773 credit score, you may qualify for home loans with interest rates starting from 8.25% p.a. You can access amounts of up to ₹15 Crores, with repayment tenures going up to 32 years. A strong score like this often results in faster processing and higher eligibility.

Pre-approved Personal Loans

You may receive pre-approved personal loan offers with interest rates from 9.99% p.a., loan amounts up to ₹50 Lakhs, and tenures up to 8 years. These loans are usually disbursed faster and require minimal documentation, making them useful for planned or emergency expenses.

Bike Loans with Flexible Tenures

For two-wheeler financing, you may secure a loan at interest rates as low as 0.99% p.a. Some lenders offer 100% financing of the bike’s on-road price, with repayment periods of up to 5 years, giving you flexible repayment options suited to your budget.

Business Loans for MSMEs and Startups

A 773 score improves your eligibility for business loans of up to ₹50 Lakhs, with interest rates starting from 14.00% p.a. These loans are available from over 10+ lenders on Bajaj Markets and may come with fast approvals and minimal paperwork, helping with cash flow or expansion.

Professional Loans for Doctors, CAs, and Architects

If you are a working professional, you may qualify for loans of up to ₹50 Lakhs, with interest rates from 12.00% p.a. and tenures of up to 8 years. These loans are tailored for professionals who need funds for office upgrades, equipment purchases, or business growth.

Top-tier Credit Cards

A 773 score may help you qualify for premium credit cards with high limits and exclusive benefits. These cards offer features such as cashback, reward points, and airport lounge access across major domestic and international airports.

To maintain a credit score of 773, it’s important to stick to healthy credit practices. Even a small mistake can bring your score down, so being consistent is key.

 

Here are a few habits that may help:

Pay All Dues on Time

Timely EMI and credit card payments are crucial. Use auto-debit or reminders to avoid delays that can impact your score.

Limit Your Credit Usage

Try to keep your credit utilisation below 30% of your limit. This shows lenders that you use credit responsibly.

Monitor Your Credit Report

Check your credit report regularly for any errors. Raise a dispute if you find incorrect entries, and track updates closely.

Avoid Multiple Loan Applications at Once

Applying for too much credit in a short time creates hard enquiries. These can reduce your score temporarily.

Use a Mix of Credit Types

Having a mix of secured (like home loans) and unsecured credit (like personal loans) helps improve your credit profile.

Keep Older Credit Accounts Active

A longer credit history strengthens your profile. Keep old accounts open unless they carry unnecessary charges.

While a CIBIL score of 773 is already excellent, you can still aim higher. With steady habits, you may gradually move closer to the top of the credit range.

Ask for a Limit Increase, but Spend Less

A higher credit limit can lower your credit utilisation ratio, especially if your spending habits remain unchanged.

Pay Full Amounts, Not Just Minimum Due

Always pay your total outstanding balance. This prevents interest from building up and reflects strong repayment discipline.

Space Out New Credit Applications

Avoid back-to-back loan or card requests. Give your credit profile time to adjust before taking on new credit.

Keep Credit History Intact

Avoid closing old credit cards unnecessarily. Accounts with a long repayment history add strength to your profile.

Clear Pending Dues Without Delay

Make sure all outstanding balances are paid in full. Once settled, confirm they’re marked as ‘closed’ in your credit report.

If your CIBIL score falls below 773, it can be rebuilt over time. The key is to identify the cause and correct it through consistent effort.

Review Your Credit Report Carefully

Errors or unreported payments can impact your score. Scan your report and raise disputes if you find any inaccuracies.

Resume Timely Payments Immediately

Missed payments can lower your score. Get back on track with punctual EMIs and bills to avoid further damage.

Reduce Credit Usage Gradually

If you’re using a large portion of your credit limit, try cutting back. Lower utilisation supports score recovery.

Pause Fresh Loan Applications

Wait before applying for new loans or cards. Frequent enquiries can prevent your score from improving.

Clear Existing Dues Promptly

Settle all pending balances and ensure they reflect as ‘closed’ in your credit report to support long-term recovery.

A credit score of 773 puts you in a strong financial position. Lenders are more likely to offer you better loan terms, faster approvals, and higher limits. It also gives you access to premium credit products with valuable features.

 

To protect this score, focus on timely payments, low credit usage, and a clean credit report. These habits not only help maintain your current score but may also push you closer to the highest bracket over time.