791 Credit Score – Is It Good or Bad?

A credit score of 791 is considered excellent in India because it demonstrates consistent repayment habits, low credit utilisation, and disciplined credit behaviour. With this score, banks and NBFCs consider you a credit-worthy borrower, making it easier for you to secure loans, credit cards, and other financial products with favourable terms. Whether you're planning a major purchase or simply looking to manage your credit better, a 791 score gives you a strong foundation.

In India, credit scores are assessed by four major bureaus, namely TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. Each bureau follows a slightly different scoring model, but a 791 score is classified as excellent across all.

A 791 score places you among the most trusted borrowers in the country, giving you access to better offers and greater financial flexibility.

In the Indian lending ecosystem, a score above 750 is considered very strong. A 791 credit score comfortably exceeds this benchmark and is seen by lenders as an indicator of financial responsibility and reliability.

 

A credit score of 791 lowers the perceived risk for lenders, strengthens your negotiation power, enables quicker approvals, and gives you access to premium financial products with better terms. This level of creditworthiness often translates into higher eligibility, more custom offers, and overall better financial terms.

With a credit score of 791, you can explore a wide range of credit products on Bajaj Markets. Here’s how your score can help you unlock some of the best offerings in the market:

Home Loans at Favourable Interest Rates

A strong credit score helps you qualify for home loans with more attractive terms. Lenders will be more interested in offering you lower interest rates, larger loan amounts, and repayment tenures of longer durations, making it easier for you to purchase a new home, build a property, or refinance an existing home loan.

Pre-Approved Personal Loans

With a good credit score, you may receive pre-approved personal loan offers from banks and NBFCs. These unsecured loans come with a simpler application process and quicker disbursal, making it easier to manage unexpected expenses, emergencies, or planned financial goals. As these loans require minimal documentation, the approval process is typically faster.

 

Bike Loans with Flexible Tenures

If you're looking to purchase a two-wheeler, a solid credit score makes it easier to access bike loans. These loans often offer flexible repayment tenures and competitive interest rates, helping you manage your payments with ease. These loans are generally secured against the vehicle, giving you options to tailor your repayment plan to your budget.

Business Loans for MSMEs and Startups

A healthy credit score also boosts your chances of qualifying for business loans, especially for MSMEs and startups. These loans are ideal for funding working capital, expanding your business, purchasing inventory, or upgrading equipment. Additionally, some lenders offer customised repayment plans that suit your cash flow.

Professional Loans for Doctors, CAs, and Architects

For self-employed professionals, such as doctors or architects, a strong credit score opens up access to specialised loans. These loans are designed to meet the unique financial needs of professionals, helping with everything from setting up a clinic to upgrading infrastructure. The terms are typically flexible to accommodate the nature of professional practices.

Top-Tier Credit Cards

A good credit score can also improve your chances of qualifying for premium credit cards. These cards come with higher spending limits, exclusive rewards, travel benefits, and other lifestyle privileges. They're perfect for individuals who want to maximise their everyday spending while enjoying additional perks and services.

Keeping a credit score of 791 helps you maintain access to better loan terms and credit card offers. To ensure your score remains stable, here are some key steps to follow:

Pay Your Dues on Time

Ensure timely payments on EMIs and credit card bills.

Keep Credit Utilisation Under 30%

Using too much of your credit limit can hurt your score.

Limit Credit Applications

Frequent applications can result in hard enquiries, lowering your score.

Monitor Your Credit Report Regularly

Spot and correct any errors that may negatively affect your profile.

Maintain Old Credit Accounts

Older accounts add length to your credit history, improving your score.

Keep a Balanced Credit Mix

Use a mix of secured (home/car loans) and unsecured (personal loans) credit.

A credit score of 791 keeps you eligible for better loan deals and premium credit cards. Here are some effective strategies to maintain and improve your score over time:

Use Less Than 20% of Your Credit Limit

Lower utilisation shows better control and improves your score.

Don’t Close Old Credit Cards

Keeping old accounts boosts your credit age.

Pay More Than the Minimum Due

Reduces debt faster and shows financial discipline.

Space Out Credit Applications

Avoid multiple enquiries in a short span.

Check Your Report Every Few Months

Stay alert to errors or fraudulent activity.

A drop below 791 can restrict your access to credit and lead to higher borrowing costs. Here are some practical steps you can take to recover and rebuild your score:

Review Your Credit Report

Identify and dispute any incorrect entries.

Clear Outstanding Dues Promptly

Prioritise late EMIs or unpaid credit card bills.

Pause New Loan Applications

Let your credit score stabilise before applying for fresh credit.

Set Payment Reminders

Use alerts or auto-debit to never miss a due date.

Keep Existing Credit Accounts Open

Maintaining your history helps rebuild your score faster.

A credit score of 791 is an excellent position to be in. It allows you to enjoy a wide array of financial privileges, from lower loan interest rates to exclusive credit cards. By continuing to follow smart credit practices and monitoring your credit score regularly, you can maintain or even improve this standing—bringing you closer to the top credit tier of 850.