All You Need To Know About CIBIL Score

Your CIBIL score is a number between 300 and 900. It decides which credit cards and loans you qualify for, the interest rate you pay, and the credit limit you get.

This page breaks down all 4 score bands, and shows you exactly how to move up with ZET.

Explore all 4 Bands

See EMI Savings

All You Need
To Know About CIBIL Score

Your CIBIL score is a number between 300 and 900. It decides which credit cards and loans you qualify for, the interest rate you pay, and the credit limit you get.

This page breaks down all 4 score bands, and shows you exactly how to move up with ZET.

Explore all 4 Bands

See EMI Savings

The Complete Credit Score Range

CIBIL officially defines 4 score bands. The gap between Very Good (750-799) and Excellent (800-900) is where the best loan terms sit.

900

749

649

549

300 Excellent

Good

FAIR

POOR

900

749

649

549

300 Excellent

Good

FAIR

POOR

300-549

Poor

High default risk. Most banks decline. Only secured cards and micro-loans available. Urgent action needed.

550-649

Fair

Irregular payment history. Limited lenders, high rates. Room to improve with consistent discipline.

650-749

Good

Most mainstream loans accessible. Standard rates. A small push to 750 unlocks significantly better terms.

750-900

Excellent

Low credit risk, pre-approved offers, and the best rates on the scale. The closer you get to 900, the more lenders compete for your business.

300-549

POOR

Poor CIBIL Score (300-549): High-Risk Territory

A score below 550 makes getting a loan harder, but it's recoverable. ZET helps you begin rebuilding your credit score.

What You Can Access at 300-549

Loans

Bank personal loans declined; NBFC loans available at 24-36%

Loan against gold or Fixed Deposit

Credit Cards

ZET FD & other secured cards - 100% guaranteed

Cashback, rewards or premium cards

Interest Rates at This Range

24% - 36% p.a.

Personal Loan (NBFC)

36% - 48% p.a.

Credit Card APR

9% - 12% p.a.

Loan Against FD/Gold

Not offered

Home Loan

Cost of waiting: A ₹3L loan at 30% costs ₹1.5L more over 3 years than at 12% - available at 750+.

What You Can Access at 300-549

Loans

Bank personal loans declined; NBFC loans available at 24-36%

Loan against gold or Fixed Deposit

Credit Cards

ZET FD & other secured cards - 100% guaranteed

Cashback, rewards or premium cards

Interest Rates at This Range

24% - 36% p.a.

Personal Loan (NBFC)

36% - 48% p.a.

Credit Card APR

9% - 12% p.a.

Loan Against FD/Gold

Not offered

Home Loan

Cost of waiting: A ₹3L loan at 30% costs ₹1.5L more over 3 years than at 12% - available at 750+.

550-649

FAIR

Fair CIBIL Score (550-649): Progress, But Gaps Remain

Late payments or high utilisation are pulling the score down here - three to six months of clean behaviour typically moves you to Good.

What You Can Access at 550-649

Loans

Select banks and NBFCs - limited, high rates

Loan against FD or gold - widely available

Credit Cards

ZET FD Credit Card - 100% guaranteed

Cashback, rewards or premium cardsck, rewards or premium cards

Interest Rates at This Range

18% - 28% p.a.

Personal Loan (NBFC)

11.00% to 13.50%

Home Loan (if approved)

14% - 18% p.a.

Two-Wheeler Loan

30% - 42% p.a.

Credit Card APR

Gap to 750+: Moving from 600 to 750 on a ₹30L home loan can save ₹8-10L in interest over 20 years.

What You Can Access at 550-649

Loans

Select banks and NBFCs - limited, high rates

Loan against FD or gold - widely available

Credit Cards

ZET FD Credit Card - 100% guaranteed

Cashback, rewards or premium cardsck, rewards or premium cards

Interest Rates at This Range

18% - 28% p.a.

Personal Loan (NBFC)

11.00% to 13.50%

Home Loan (if approved)

14% - 18% p.a.

Two-Wheeler Loan

30% - 42% p.a.

Credit Card APR

Gap to 750+: Moving from 600 to 750 on a ₹30L home loan can save ₹8-10L in interest over 20 years.

650-749

GOOD

Good CIBIL Score (650-749): Most Doors Open

Most mainstream lenders approve at reasonable rates here, but crossing 750 is the most commercially valuable threshold on the scale for rates and card access.

What You Can Access at 650-749

Loans

Personal, home, auto and education loans from most major banks

Credit Cards

Cashback cards and co-branded rewards cards

Infinia / Diners Black / Reserve

Interest Rates at This Range

12% - 18% p.a.

Personal Loan

8.25% - 9.25% p.a.

Home Loan

9% - 11% p.a.

Auto Loan

30% - 36% p.a.

Credit Card APR

You're this close: Just 100 points to 750 can save ₹5-12L on a ₹40L loan over 20 years.

What You Can Access at 650-749

Loans

Personal, home, auto and education loans from most major banks

Credit Cards

Cashback cards and co-branded rewards cards

Infinia / Diners Black / Reserve

Interest Rates at This Range

12% - 18% p.a.

Personal Loan

8.25% - 9.25% p.a.

Home Loan

9% - 11% p.a.

Auto Loan

30% - 36% p.a.

Credit Card APR

You're this close: Just 100 points to 750 can save ₹5-12L on a ₹40L loan over 20 years.

750-900

EXCELLENT

Excellent CIBIL Score(750-900): ZET's Target Zone

At 750+, lenders treat you as low-risk with pre-approved offers and better rates - push past 800 and banks compete for you with instant approvals and top-tier products.

What You Can Access at 750-900

Loans

All loan types, highest amounts, pre-approved offers

Rate negotiation - banks compete for your business

Credit Cards

All rewards and travel cards, plus top-tier invite-only cards (Infinia, Diners Black, Magnus)

Unlimited lounge access, credit limits up to ₹25L+

Interest Rates at This Range

9.9% - 14% p.a.

Personal Loan

7.5% - 8.25% p.a.

Home Loan

7.5% - 9.5% p.a.

Auto Loan

28% - 34% p.a.

Credit Card APR

You've arrived: At 750+ you save ₹5-15L vs. a 650 score on a ₹50L home loan over 20 years - and it keeps improving toward 900.

What You Can Access at 750-900

Loans

All loan types, highest amounts, pre-approved offers

Rate negotiation - banks compete for your business

Credit Cards

All rewards and travel cards, plus top-tier invite-only cards (Infinia, Diners Black, Magnus)

Unlimited lounge access, credit limits up to ₹25L+

Interest Rates at This Range

9.9% - 14% p.a.

Personal Loan

7.5% - 8.25% p.a.

Home Loan

7.5% - 9.5% p.a.

Auto Loan

28% - 34% p.a.

Credit Card APR

You've arrived: At 750+ you save ₹5-15L vs. a 650 score on a ₹50L home loan over 20 years - and it keeps improving toward 900.

550-649

FAIR

Fair CIBIL Score (550-649): Progress, But Gaps Remain

Late payments or high utilisation are pulling the score down here - three to six months of clean behaviour typically moves you to Good.

What You Can Access at 550-649

Loans

Select banks and NBFCs - limited, high rates

Loan against FD or gold - widely available

Credit Cards

ZET FD Credit Card - 100% guaranteed

Cashback, rewards or premium cards

Interest Rates at This Range

18% - 28% p.a.

Personal Loan

11.00% to 13.50%

Home Loan (if approved)

14% - 18% p.a.

Two-Wheeler Loan

30% - 42% p.a.

Credit Card APR

Gap to 750+: Moving from 600 to 750 on a ₹30L home loan can save ₹8-10L in interest over 20 years.

650-749

GOOD

Good CIBIL Score (650-749):
Most Doors Open

Most mainstream lenders approve at reasonable rates here, but crossing 750 is the most commercially valuable threshold on the scale for rates and card access.

What You Can Access at 650-749

Loans

Personal, home, auto and education loans from most major banks

Credit Cards

Cashback cards and co-branded rewards cards

Infinia / Diners Black / Reserve

Interest Rates at This Range

12% - 18% p.a.

Personal Loan

8.25% - 9.25% p.a.

Home Loan

9% - 11% p.a.

Auto Loan

30% - 36% p.a.

Credit Card APR

You're this close: Just 100 points to 750 can save ₹5-12L on a ₹40L loan over 20 years.

750-900

EXCELLENT

Excellent CIBIL Score
(750-900): ZET's Target Zone

At 750+, lenders treat you as low-risk with pre-approved offers and better rates - push past 800 and banks compete for you with instant approvals and top-tier products.

What You Can Access at 750-900

Loans

All loan types, highest amounts, pre-approved offers

Rate negotiation - banks compete for your business

Credit Cards

All rewards and travel cards, plus top-tier invite-only cards (Infinia, Diners Black, Magnus)

Unlimited lounge access, credit limits up to ₹25L+

Interest Rates at This Range

9.9% - 14% p.a.

Personal Loan

7.5% - 8.25% p.a.

Home Loan

7.5% - 9.5% p.a.

Auto Loan

28% - 34% p.a.

Credit Card APR

You've arrived: At 750+ you save ₹5-15L vs. a 650 score on a ₹50L home loan over 20 years - and it keeps improving toward 900.

How Much Your CIBIL Score Saves (or Costs) You

Based on a ₹40 lakh home loan over 20 years - see the EMI and total cost difference across score bands

Your Score Band = Your EMI Rate

The difference between a Poor and Excellent score on a single home loan can exceed ₹15-20 lakh in total interest paid. Every point you improve saves real money.

300-549 Poor

Not offered

Banks decline applications

550-649
Fair

10.25% p.a.

EMI ≈ ₹39,300/mo

₹17L more vs Excellent

650-749
Good

8.75% p.a.

EMI ≈ ₹35,300/mo

₹7.5L more vs Excellent

750-900 Excellent

7.5% - 8.25% p.a.

EMI ≈ ₹32,200 - ₹34,100/mo

Best rate available ✓

Your Score Band = Your EMI Rate

The difference between a Poor and Excellent score on a single home loan can exceed ₹15-20 lakh in total interest paid. Every point you improve saves real money.

300-549 Poor

Not offered

Banks decline applications

550-649
Fair

10.25% p.a.

EMI ≈ ₹39,300/mo

₹17L more vs Excellent

650-749
Good

8.75% p.a.

EMI ≈ ₹35,300/mo

₹7.5L more vs Excellent

750-900 Excellent

7.5% - 8.25% p.a.

EMI ≈ ₹32,200 - ₹34,100/mo

Best rate available ✓

CIBIL Score Range Full Comparison

Every key financial metric across all 4 score bands - in one place

Parameter

Personal Loan Approval

Home Loan Access

Credit Card Type

Personal Loan Rate

Home Loan Rate

Max Credit Limit

Approval Speed

Airport Lounge Access

Negotiating Power

300-549 Poor

Mostly Declined

Not Available

Secured Only

24%-36%

N/A

₹20K-₹50K

Weeks / Declined

None

550-649 Fair

Limited NBFCs

Few HFCs only

Entry Level

18%-28%

9.5%-11%

₹50K-₹1L

Days to Weeks

Minimal

650-749 Good

Most Banks

Available

Mid-Range

12%-18%

8.25%-9.25%

₹1L-₹3L

2-5 Days

Limited

Some

750-900 Excellent

Pre-approved ✓

Best Terms, Negotiable

Premium to Top-Tier

9.9%-14%

7.5%-8.25%

₹3L-₹25L+

1-2 Days to Instant ✓

✓ Domestic to Intl

Good to High ✓

300-549 Poor

Mostly Declined

Not Available

Secured Only

24%-36%

N/A

₹20K-₹50K

Weeks / Declined

None

550-649 Fair

Limited NBFCs

Few HFCs only

Entry Level

18%-28%

9.5%-11%

₹50K-₹1L

Days to Weeks

Minimal

650-749 Good

Most Banks

Available

Mid-Range

12%-18%

8.25%-9.25%

₹1L-₹3L

2-5 Days

Limited

Some

750-900 Excellent

Pre-approved ✓

Best Terms, Negotiable

Premium to Top-Tier

9.9%-14%

7.5%-8.25%

₹3L-₹25L+

1-2 Days to Instant ✓

✓ Domestic to Intl

Good to High ✓

ZET Moves You Up the Score Ladder

Not just a score tracker - a complete system to build, improve and protect your CIBIL score

ZET FD

Credit Card

ZET FD

Credit Card

An FD of ₹2,000 gets you a credit card with 100% guaranteed approval. No CIBIL score required - designed for people starting fresh or rebuilding after a credit setback.

AI Credit Report Analysis

ZET's AI watches your credit report and delivers a video breakdown of exactly which 2-3 factors are holding your score back - and what to do about each.

Smart Payment Reminders

Payment history accounts for 30% of your CIBIL score. ZET's automated reminders ensure you never miss a due date - consistently the biggest driver of score improvement over time.

24/7 Credit Guru

24/7 Credit

Guru

Expert advisors available round the clock to help dispute errors, time your applications, understand your report, and make decisions that protect your score.

Personalised 800+ Plan

ZET Plus generates a step-by-step roadmap based on your actual credit profile - specific to your score, your credit mix, and your timeline to 800+.

ZET Cash

After building a healthy credit score with the ZET FD Credit Card or ZET Plus, you can unlock loans of up to ₹2 lakh through the ZET app and access better financial opportunities with ease.

Frequently Asked
Questions

What is a good CIBIL score in India?

A CIBIL score above 800 is considered good by most Indian lenders and qualifies you for lower interest rates and faster approvals. Scores between 750 and 799 may still get you a loan but at a higher rate. Anything below 650 makes it difficult to obtain unsecured credit from mainstream banks.

What is the difference between a settled and a closed account?

A closed account means you repaid the full outstanding amount and the lender formally shut the account, which is neutral to positive for your credit score. A settled account means the lender accepted less than the full amount owed, which is a negative status that signals past financial stress to future lenders.

Does checking your own CIBIL score reduce it?

No. Checking your own credit score is a soft inquiry and has no impact on your CIBIL score whatsoever. Only hard inquiries, triggered when a lender checks your report after you apply for credit, can temporarily lower your score.

Are NBFC deposits covered by DICGC insurance?

No. DICGC insurance covers deposits only in scheduled commercial banks, small finance banks, and most cooperative banks, up to Rs 5 lakh per depositor per bank. Deposits placed with NBFCs are not covered by DICGC.

How quickly does a missed EMI affect your credit score?

Lenders typically report your payment status to credit bureaus within 30 to 45 days of the missed due date. Once reported, the DPD entry shows up on your credit report and can lower your score within the same reporting cycle.