Coming soon
Free credit score
We're building a free credit score checker powered by India's top credit bureaus. Until it lands, our card and loan recommendations already flag typical CIBIL thresholds per product.
What's coming
- Check your CIBIL / Experian score for free — no impact on your score.
- Understand the factors affecting your score (utilisation, payment history, mix, age, enquiries).
- Get personalised tips to improve your score fast.
- See which credit cards and loans you qualify for — ranked by approval odds.
- Monthly score refreshes with email alerts when it moves.
Launching soon — we're integrating with India's top credit bureaus.
While you wait
Use what's already live
Check loan eligibility
See how much you can borrow based on your income and CIBIL range. No phone number needed. 100% private.
Start the check →Find your perfect card
Get AI-matched card recommendations in 30 seconds from 64+ options. No signup, no spam calls.
Find my card →Find your perfect loan
Compare 59 loan products from 30+ lenders — ranked by approval odds for your profile.
Find my loan →Find your perfect insurance plan
Health, term, motor & travel — match by coverage and premium across 20+ insurers.
Find my plan →
Your credit score affects more than loans and credit cards — some insurers check it too when pricing health and motor cover.
Compare Health Insurance Plans →Understanding credit scores in India
A CIBIL score (or credit score) is a 3-digit number between 300 and 900 that represents your creditworthiness. Lenders use it to decide whether to approve your loan or credit card application — and at what interest rate.
Score ranges
750 – 900· Excellent
Best rates, instant approvals, premium cards on tap.
700 – 749· Good
Most cards and loans are available at competitive rates.
650 – 699· Fair
Limited options, expect higher rates and smaller limits.
Below 650· Poor
Secured cards and NBFC loans are the path back to credit.
5 ways to improve your score
- Pay all EMIs and credit card bills on time — even one late payment hurts.
- Keep credit utilisation below 30% of your total limit.
- Don’t apply for multiple loans or cards in a short window.
- Maintain a healthy mix of credit types (card + loan + EMI).
- Check your credit report for errors and dispute them on cibil.com.