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Frequently Asked Questions
What CIBIL score is good for a home loan in India?
750+ is considered excellent and qualifies you for the best home loan rates. 700–749 is good — most banks will approve but at slightly higher rates. Below 650 will see rejections from major banks, though NBFCs may still lend at higher rates. Aim for 750+ before applying.
How long does it take to improve CIBIL score by 100 points?
With disciplined action: 6–12 months for a 50–100 point improvement. Key actions: (1) Pay all EMIs on time, (2) Reduce credit utilization below 30%, (3) Don't close old accounts, (4) Avoid multiple loan applications in quick succession. CIBIL updates monthly.
Does checking your own CIBIL score affect it?
No. Checking your own score (soft inquiry) has zero impact. Only hard inquiries — when a lender checks your score for a loan application — cause a small temporary dip (5–10 points). Check your CIBIL score regularly; it's free once a year at CIBIL.com.
What factors affect CIBIL score the most?
Payment history (35%) is the biggest factor — even one missed payment can drop your score by 50–100 points. Credit utilization (30%) — keep below 30% of your total limit. Length of credit history (15%), credit mix (10%), and new inquiries (10%) complete the picture.