Adjust the factors below to see how your CIBIL score changes — and get a personalised plan to reach 750+.
Percentage of EMIs and credit card bills paid on time. This is the biggest factor — 35% of your score.
How much of your total credit card limit you're currently using. Keep this below 30% for a healthy score.
Average age of all your credit accounts. Older accounts signal stability to lenders.
Having a healthy mix of secured (home/car loan) and unsecured (credit cards) credit is ideal.
Number of new loan/credit card applications in the last 6 months. Each one drops your score slightly.
Based on your inputs, here's exactly what to do — prioritised by impact.
Set auto-pay for all EMIs and credit card bills. Even one missed payment drops your score by 50-100 points.
Reduce your credit card usage from 45% to below 30%. Pay bills twice a month or request a limit increase. Ideal target: below 10%.
Stop applying for new loans or credit cards for 6 months. Each hard inquiry drops your score by 5-10 points. You have 2 recent inquiries.
Having a healthy mix of credit types (home loan, car loan, credit card) shows lenders you can manage different debt. Add a secured credit card or small personal loan.
Keep your oldest credit card open and active — even with a small purchase. Closing old accounts reduces your average credit age (currently 3 years).
| CIBIL Score | Loan Approval | Interest Rate | Max Loan Amount |
|---|---|---|---|
| 750 – 900 | Instant / High | 10.5% – 12% | Up to ₹40 Lakh |
| 700 – 749 | Easy | 12% – 15% | Up to ₹25 Lakh |
| 650 – 699 | Moderate | 15% – 20% | Up to ₹15 Lakh |
| 580 – 649 | Difficult | 20% – 28% | Up to ₹5 Lakh |
| 300 – 579 | Rejected at most banks | NBFC only (30%+) | Limited |
The simulator estimates your score based on your inputs. Get your real CIBIL report in 2 minutes — no impact on your score.
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With consistent on-time payments and reduced utilization, most people see a 30-50 point improvement in 60-90 days. Reaching 750+ from a lower base can take 6-12 months of discipline.
No. Checking your own score is a 'soft inquiry' and has zero impact. Only when a bank or NBFC checks your score (a 'hard inquiry') does it affect your score slightly.
Banks see high utilization as a sign of credit dependency. Keeping your usage below 30% of your total credit limit signals financial discipline. Below 10% is ideal.
Yes, but at higher interest rates. NBFCs like Ramfincorp and some fintech lenders offer loans for scores 600+. The key is to apply for smaller amounts and build a positive repayment history.
Generally no. Closing old cards reduces your total credit age and available credit limit — both of which can hurt your score. Keep old cards active with occasional small purchases.