Check Your CIBIL Score

• Excellent (750-900): High chances of loan approval with best rates
• Good (700-749): Good chances of loan approval
• Fair (650-699): Moderate chances, may get higher interest rates
• Poor (550-649): Low chances, may need co-applicant
• Very Poor (300-549): Difficult to get approved

• Payment History (35%): Timely payments are crucial
• Credit Utilization (30%): Keep below 30% of limit
• Credit Age (15%): Longer history is better
• Credit Mix (10%): Mix of secured & unsecured loans
• Hard Inquiries (10%): Too many applications hurt score