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CIBIL SCORE AND REPORT
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CIBIL Scores from 300 to 900 and Loan Approval Chances
Many applicants check their CIBIL score when applying for a loan. Using this table, you can determine your chances of loan approval.
Loan approval chances
Low chance of loan approval
Explanation
A low score can indicate past payment issues, making approval more difficult.
Loan approval chances
Low to fair chance of loan approval
Explanation
You may qualify with some lenders, but loan terms could be less favourable.
Loan approval chances
Fair chance of loan approval
Explanation
Your score may meet some lenders’ minimum requirements, depending on their criteria.
Loan approval chances
Good chance of loan approval
Explanation
This score reflects a stronger credit profile and may improve your loan options.
Loan approval chances
Excellent chance of loan approval
Explanation
A high score can strengthen your application and may help you access competitive terms.
Loan approval chances
Qualify for a Lower Loan Amount
Explanation
It means that you do not have a credit history and may be a first-time loan applicant. Still, you will get a loan.
Keep in mind : These score ranges are general indicators. Loan amount, approvals, and interest rates depend on CIBIL or credit report, repayment capacity, employment type, debt-to-income ratio, and more, based on lenders' criteria.
Why a 750+ CIBIL Score Doesn't Guarantee Loan Approval
Check the scenario below to understand why a 750+ CIBIL score alone may not guarantee loan approval.
Person 1
750+
Person 2
750+
Person 1
₹1,00,000
Person 2
₹1,00,000
Person 1
₹35,000
Person 2
₹35,000
Person 1
More than ₹20,000
Person 2
Less than ₹20,000
Person 1
More than ₹50,000
Person 2
Less than ₹30,000
Person 1
Uses other loans to repay existing loans.
Person 2
Repays existing loans from their regular income.
Person 1
Rejected
Person 2
Approved
Why was Person 1 rejected?
Even though both Person 1 and Person 2 have the same CIBIL score, salary, and loan amount, Person 1 has higher existing EMIs and more outstanding loans. This shows that the applicant has a lower repayment capacity, making the lender less willing to approve another loan.
Why did Person 2 get the loan?
Person 2 has lower existing EMIs and fewer outstanding loans. Banks and financial institutions may therefore consider the applicant's repayment capacity sufficient to approve the loan.
Lesson
Even if your CIBIL score is 750+, you are not guaranteed to get the loan amount you want. Loan approval also depends on your repayment ability, existing EMIs, outstanding loans, and other eligibility criteria. A high credit score helps, but it does not guarantee loan approval.
What Is a CIBIL Report, and Why Do Banks and Other Lenders Use It When You Apply for a Loan?
- A CIBIL report is a PDF document that contains the applicant's credit profile and helps you know the details about your borrowing and repayment history.
- Details contained in the Hello Credit CIBIL report: Open or active loan account summary, which you won’t get in any other report, enquiry summary, employment information, consumer account details, and dues.
- This information helps banks and financial institutions assess your creditworthiness and determine your loan eligibility.
Real Example: How a CIBIL Report Revealed a Hidden Overdue
A client approached Hello Credit for a personal loan. Hello Credit is a financial marketplace that connects lenders and borrowers based on the applicant's eligibility. His CIBIL score looked decent on the surface, so he expected quick approval.
When we pulled his full CIBIL report, it showed an overdue amount of ₹18,000 on an old credit card, one he had forgotten about since he had stopped using that card years ago.
The lesson: Like us, banks don't stop at your CIBIL or credit score. They check every account, every EMI, and every overdue entry in your full report before disbursing a loan.
Choose Your Perfect Plan
Choose the plan that suits your needs. Whether you want to check your CIBIL Score and Report or need help addressing an error in your report, Hello Credit offers services to help you take the next step.
Credit Essential Plan
Get your CIBIL Score and Report, understand your credit profile, and explore loan options.
₹299
Subsequent reports for: ₹199
What you will get
- Updated CIBIL Score and Report – Access your latest credit score and report.
- Access to a Lender Network – Explore loan options from 25+ lenders.
- Expert Consultation – Get guidance on your credit and loan options.
- Loan Offers for Your Profile – Our team will support you with loan offers suited to your eligibility.
- Balance Transfer Support – Explore options to reduce your loan burden.
- CIBIL Score Management Guidance – Get tips to maintain a healthy credit score.
- Loan Consolidation Assistance – Simplify multiple loan repayments.
- Overdue Payment Assistance – Get guidance on managing overdue payments.
How to Check Your CIBIL Score and Get Your CIBIL Report?
Step 1: Select “Check Now” to get started.
Step 2: Enter your full name as per your PAN card, complete the mobile verification, and provide your personal details such as email, phone number, DOB, monthly salary, gender, and marital status.
Step 3: Enter your KYC details, including your Aadhaar number and address with PIN code. Review and confirm your information.
Step 4: Pay the required amount to get your updated CIBIL report and CIBIL score.
CIBIL Dispute Assistance
Found an error in your CIBIL Report? Get assistance with the dispute process to help address inaccurate information.
₹499per dispute
What You Get with Our Dispute Assistance Package
- Correct errors such as incorrect names, phone numbers, gender, and dates of birth (DOB).
- Help addressing accounts incorrectly marked as settled or other inaccurate loan details.
- Assistance for improving your CIBIL Score.
How to Apply for CIBIL Dispute Assistance
Step 1: Get Your CIBIL Report
Get your CIBIL report through Hello Credit and review your credit information carefully.
Step 2: Report the Issue
Share the incorrect or disputed information you found in your CIBIL report with our team.
Step 3: We’ll Raise the Dispute
Our team will submit the dispute to CIBIL on your behalf and assist you through the resolution process. The dispute resolution process may take up to 30 days.
Case study: CIBIL Dispute Resolution
Issues: An applicant was looking for a ₹5 lakh loan. While checking his CIBIL report, he found an overdue account, and he claimed that he had never received any loan amount associated with this account.
Our Assistance: We helped him to raise a dispute with CIBIL regarding the unrecognized loan account appearing on his credit report. The dispute was submitted to CIBIL for investigation, and we shared the tracking ID with our client for tracking purposes.
Resolution Timeline: The investigation and response may take up to 30 days.
Note: Dispute outcomes depend on the investigation and verification process. Raising a dispute does not guarantee that an entry will be changed or that your CIBIL Score will increase.
How Can You Improve Your CIBIL Score to Get a Loan?
Follow these steps to manage your credit score. It takes time, so be consistent.
1.Check your credit report regularly and understand why your credit score increases or decreases.
2.Pay your EMIs and other loan payments on time.
3.Keeping your credit utilisation ratio below 30% is generally better when using a credit card.
4.Avoid applying for multiple credit cards within a short period, as frequent credit applications may make you appear more dependent on credit and can affect your credit score.
5.A hard enquiry occurs when a bank or financial institution checks your credit report as part of a loan application. Multiple hard enquiries within a short period may affect your CIBIL score.
Frequently Asked Questions About Personal Loans
Have doubts about rates, documents, or CIBIL requirements? Explore answers to common questions below.