How long have you had credit products (loans/cards)?

Less than 1 year 1–3 years 3–7 years More than 7 years

Payment history — do you pay EMIs/bills on time?

Always miss payments Often late Occasionally late Always on time

Credit utilisation on credit cards

Above 90% 60–90% 30–60% Below 30%

How many loan applications in last 6 months?

5 or more 3–4 1–2 None

Do you have a mix of loan types?

No credit at all Only unsecured (personal/CC) Only secured (home/auto) Mix of secured + unsecured

Your estimated CIBIL score range

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CIBIL Score Estimator

Ready to apply for a loan?