CIBIL
Fundamentals
What is a Score?
- 3-digit financial snapshot (300-900)
- Based on your entire credit history
- The key to bank loan approvals
CIBIL
Benchmarks
Score Ranges
- 750-900: Excellent (Easy Approval)
- 650-749: Good (Eligible)
- Below 550: High Risk
CIBIL
Strategy
Improve & Rank
- Pay EMIs and Card dues on time
- Keep credit utilization below 30%
- Maintain a healthy mix of credit
CMR
Commercial
CMR Ranking
- Specifically for MSMEs/Businesses
- Scale of 1 (Lowest Risk) to 10
- Used for Business Loan eligibility
PORTAL
Action
Check My Score
- Visit official cibil.com website
- Enter PAN and personal details
- Get 1 Free report every year