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Check your updated CIBIL score through easy steps | No impact on credit score | Check it for free in just a few minutes
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A CIBIL score is a 3-digit number ranging from 300 to 900 that reflects your creditworthiness. It shows how responsibly you have managed your credit over time
In India, your credit score is generated by one of the four RBI-licensed credit bureaus including TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. Each bureau uses its own algorithm to calculate your score, so results may slightly vary.
The score generated by TransUnion CIBIL is one of the most widely used scores in India. The CIBIL score ranges from 300 – 900, where 900 is the highest. Usually, a score of 750 or more is considered to be ideal.
You can check your CIBIL score for free through a simple and quick digital process on Bajaj Markets. The higher the score, the higher your chances of getting approvals for loans and credit cards. When you apply for a loan, it helps lenders determine whether you will be able to repay the loan in the given tenure or not.
Your CIBIL score holds significant importance in determining your financial credibility. It allows lenders to evaluate how dependable you are as a borrower and directly impacts how quickly you can secure loans or credit cards at competitive interest rates. A strong score enhances your financial profile, giving you access to higher loan limits, flexible repayment options, and special offers tailored to your needs. By maintaining a healthy CIBIL score, you reinforce your financial credibility and open doors to faster approvals and more rewarding financial opportunities.
Here is how you can check your CIBIL score online for free on Bajaj Markets in just a few simple steps:
1. Enter your mobile number, accept the terms and conditions, and click ‘Proceed with OTP’
2. Enter the OTP sent to your registered mobile number
3. Based on your employment type (salaried or self-employed), provide the following details:
Full name
Personal email ID
PAN number
Pincode
Date of birth
Monthly salary (only if you are a salaried employee)
4. Click on ‘Get Score’
Here is how you can refresh your CIBIL score online for free on Bajaj Markets in just a few simple steps:
1. Enter your mobile number, accept the terms and conditions, and click ‘Proceed with OTP’
2. Enter the OTP sent to your registered mobile number
Your score will be displayed on screen.
Regularly monitoring your credit score helps you stay informed about your financial health. You can access a detailed report of your loans, credit cards, and personalised suggestions to improve your score.
You will also find exclusive financial offers tailored to your credit profile. The Bajaj Markets app includes insightful features such as ‘DID YOU KNOW’ and ‘IMPROVE YOUR SCORE’, designed to help you understand and manage your credit behaviour more effectively.
Your CIBIL score falls within a range of 300 to 900 and indicates how well you've managed your credit. Lenders often use this range to determine your eligibility for loans or credit cards. A higher score reflects responsible financial behaviour and increases your chances of approval with better terms.
| CIBIL Score Range | What it Means | Details |
|---|---|---|
750 – 900 |
Excellent |
You are highly likely to get approvals with favourable interest rates. |
700 – 749 |
Good |
You meet most lenders’ criteria but may have slightly less negotiating power. |
650 – 699 |
Average |
You may have limited options or less attractive terms. |
550 – 649 |
Poor |
Lenders may view you as a risk; approvals may be delayed or restricted. |
300 – 549 |
Bad |
Your credit profile shows a concerning pattern; very limited approval chances. |
Below 300 / NH |
No History |
You are new to credit, with no existing credit information. |
Here is how different factors that impact your score are then graded based on some simple formulas and calculations. This is used to calculate your overall CIBIL score:
A limited number of credit enquiries helps keep your score high, showing lenders you're mindful of your credit activity. This is usually denoted as good, fair, or poor, depending on the number of credit enquiries undertaken over a specific period. The more infrequent your enquiries, the lower the impact on your score. Here’s a detailed overview of the same for your use:
| Number of Enquiries | 0-30 Days | 31-90 Days | 91-180 Days | 180+ Days |
|---|---|---|---|---|
0-1 |
Good |
Good |
Good |
Good |
02-May |
Poor |
Fair |
Good |
Good |
06-Oct |
Poor |
Fair |
Fair |
Good |
11+ |
Poor |
Poor |
Fair |
Good |
Timely repayments have a positive impact, demonstrating your reliability and boosting your score. The sooner you pay your outstanding dues, the better it is for your credit history. This is represented in the form of a percentage, calculated by using the following formula:
Percentage = Your missed payments / your total payments x 100
The percentage is then categorised as ‘Good’, ‘Fair’, and ‘Poor’:
Good: Below 15%
Fair: 15% to 50%
Poor: Above 50%
The longer your credit history, the better your score can be. This is because it highlights your experience in managing credit. If your oldest account is more than 48 months old, the length of your credit history is considered ‘Good’. If it falls between 24 to 48 months, it is ‘Fair’. However, if it is under 24 months, it is termed ‘Poor’.
A healthy balance of credit types can improve your score, showcasing your ability to manage different kinds of credit smoothly. This is calculated as a percentage by using the following formula:
Percentage = Count of secured accounts / count of total tradelines
Next, the percentage is categorised as ‘Poor’, ‘Fair’, and ‘Good:
Good: 25% or above
Fair: 5% to 24.99%
Poor: Below 5%
It is the percentage of the credit limit that you use every month. Ideally, you should not use more than 30% of your card's total credit limit to maintain a healthy CIBIL score. This percentage can be calculated with the help of a simple formula:
Credit utilisation ratio = Utilised credit limit / total credit limit
This ratio is then categorised as follows:
Good: 30% and above
Fair: 30% to 70%
Poor: Below 70%
Lenders check your CIBIL score to gauge your creditworthiness and assess the risk of extending credit. As per the official website of TransUnion CIBIL, over 79% of loans are approved for individuals with a CIBIL score above 750, as it reflects responsible credit management. A high CIBIL score not only increases your chances of approval but may also lead to better loan terms, such as lower interest rates or higher loan limits. On the other hand, a score below 600 is often considered risky, leading to rejections or loans with stricter conditions and higher interest rates.
A good CIBIL score shows that you're a responsible borrower. It builds lender confidence and improves your access to better financial products and services.
Access to higher credit limits on loans and credit cards: Lenders are more likely to extend larger credit amounts if you have a strong repayment history.
Faster loan approval: A good score accelerates application reviews and disbursals.
Ability to negotiate better interest rates and fees: Strong credit allows you to request favourable terms.
Qualify for premium financial products: Enjoy premium credit cards with exclusive perks or high-amount loans.
Greater trust when you apply for a loan or co-sign: Your score can support both personal and joint credit applications.
A low CIBIL score reflects poor credit habits or inconsistent behaviour. This may make lenders hesitant to offer credit or impose stricter terms.
You might have a low score due to the following reasons:
Irregular or missed EMI payments – Payment defaults lower your trust score
High credit limit utilisation – Using too much of your credit reduces your rating
Multiple recent credit enquiries – Frequent hard checks signal credit dependency
Lack of credit mix – Having only unsecured or only secured credit limits your profile strength
Incorrect account status or discrepancies – Errors in reports can drag down your score
Too many unsecured loans or multiple hard inquiries – This adds risk and negatively affects your profile
If you're new to credit and don't have a CIBIL score yet, it would be marked as NTC or NH in your report. In this case, lenders may not have enough data to assess your creditworthiness. Here’s how you can begin building your score:
Apply for a secured credit card, typically issued against a fixed deposit
Take a small loan and repay on time, which builds a positive credit history
Ensure PAN is updated with the credit bureau to help with the tracking and score generation
Avoid multiple credit applications at once as it may trigger unnecessary hard inquiries
Regularly check your credit report to ensure accuracy from the start
Building a score from scratch takes time but helps you access better financial offers in the future.
If you have a low CIBIL score, here are a few ways through which you can improve it:
Pay your dues on time
Avoid taking too many loans at the same time
Maintain a good credit mix
Review your credit report at regular intervals
Limit hard credit enquiries
Keep credit utilisation below 30%
Avoid closing old accounts
Know how you can boost your credit score and strengthen your credit profile.
Checking your CIBIL score is just the first step. What matters is how you interpret the results and act on them. Your credit report offers a snapshot of your financial health, which you can use to make informed decisions.
Here’s what you should do next:
Carefully review your credit report: Cross-check your loan and credit card accounts, repayment history, and personal details for any errors or mismatches.
Understand where you stand: A score above 750 is excellent, but even a lower score can be improved with the right steps.
Identify issues: Look for late payments, maxed-out credit cards, or too many recent loan enquiries.
Plan corrective actions: Pay off outstanding dues, lower your credit utilisation, and avoid new debt temporarily.
Monitor your progress regularly: Use tools or apps that track changes in your score and alert you to updates.
Apply only for credit you’re eligible for: Avoid multiple rejections that can further lower your score.
A disciplined approach after reviewing your score helps you maintain financial credibility and qualify for better credit opportunities.
Certain financial and personal details are not considered when calculating your CIBIL score. Understanding these can help you focus only on the factors that truly matter.
Savings or current account balances – These are not tracked by credit bureaus
Employment status or income – While relevant to lenders, these do not influence your score directly
Soft enquiries – Checking your own credit score does not harm it
Assets owned – Real estate, gold, or investments do not impact your credit score
Marital status or education level – Personal demographics are not used in scoring algorithms
Focus on repayment behaviour, credit mix, and utilisation—these truly impact your credit profile.
You can easily check your CIBIL score for free on Bajaj Markets. Just register with your basic details, complete OTP verification, and instantly view your score.
A numeric value that summarises your credit history.
Ranges from 300 to 900, with a higher score indicating better creditworthiness.
Primarily used by lenders to assess your eligibility for loans and credit cards.
A detailed document that includes information on your credit accounts, such as loans and credit cards.
Contains your payment history, outstanding balances, and credit inquiries.
Provides a comprehensive view of your credit behaviour over time.
The RBI has given a key update: Credit reports will now update every 15 days instead of once a month. This may lead to more frequent updates of your score. This means you’ll benefit from faster error corrections and improved control over your finances.
CIBIL stands for Credit Information Bureau (India) Limited.
CIBIL score is a 3-digit numerical representation of your creditworthiness. It ranges between 300 and 900, with 900 being the highest score.
No, CIBIL score is a type of credit score. In India, the term ‘CIBIL score’ is often used interchangeably with ‘credit score’ because TransUnion CIBIL is the most widely referenced credit bureau. However, credit scores can also be issued by other bureaus like Experian, Equifax, and CRIF High Mark, using slightly different methods. While the sources and scoring models vary, all aim to measure your creditworthiness.
Yes, you can also check your CIBIL score via Bajaj Markets, as TransUnion CIBIL powers it.
Improving a poor CIBIL score is a gradual process. Thus, when starting the process, you should remember that the change will not happen overnight. You will have to follow healthy practices for months until you see results.
You can maintain a good CIBIL score by making timely due payments, having a good credit utilisation ratio, not defaulting on loans and keeping a good credit mix.
Typically, most lenders consider a score of 750 or more to be ideal.
Yes, you can check your CIBIL score for free through credit bureaus' websites. Alternatively, you can also check it on Bajaj Markets.
There are two types of CIBIL inquiries, namely:
Hard inquiry
Soft inquiry
When you check your credit report, it is considered a soft inquiry, whereas when a credit card issuer or a lender checks your credit report, it is called a hard inquiry. Typically, soft inquiries do not hamper your credit score. However, if done over a short span, multiple hard inquiries can significantly hurt your CIBIL score.
The RBI provides licences to four credit bureaus to operate in India. They are:
TransUnion CIBIL
Experian
Equifax
CRIF High Mark
Understand the difference here:
Reflects your individual creditworthiness.
Used by lenders to determine your loan eligibility.
Indicates the financial stability of a company.
Assigned by credit rating agencies to assess investment risk.
Provides a detailed history of your credit accounts and payments.
Used to evaluate your overall financial behaviour.
A less-than-ideal credit score may differ based on the credit bureau. However, a CIBIL score ranging between 300 and 599 is considered poor.
Yes, the security protocols of Bajaj Markets protect sensitive data from unauthorised access.
Yes, foreclosure of loans can have an initial impact on your credit score, leading to a temporary drop.
Yes, you typically need a good credit score to secure a loan. However, certain lenders provide secured loans without checking your score or using alternate credit scoring mechanisms.
If you are new to credit and don’t have a credit history and a credit score, you can get an FD-backed credit card. To get a regular credit card, most issuers require you to have a good credit score.
If you have no credit history, your CIBIL score will be -1 (NH or No History), indicating no credit information available.
Yes, but PAN is mandatory for CIBIL. Aadhaar may support identity verification on alternate platforms.
You may not be able to retrieve your CIBIL score without PAN. Consider using Aadhaar-based scoring tools from other platforms.
NRIs can get an Indian credit score if they hold credit accounts or loans in India linked to a PAN.
Typically, it's your Date of Birth in DDMMYYYY format or your lowercase PAN.
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