🎯
Score
762
out of 900
HDFC Bank▲ +0.8%•SBI▲ +1.2%•ICICI Bank▼ -0.3%•Axis Bank▲ +0.5%•Kotak Mahindra▲ +2.1%•Bajaj Finance▼ -0.9%•CIBIL Index▲ 748 avg•Home Loan Rate▼ 8.5%•Personal Loan▼ 10.9%•Gold Price▲ ₹71,240•HDFC Bank▲ +0.8%•SBI▲ +1.2%•ICICI Bank▼ -0.3%•Axis Bank▲ +0.5%•Kotak Mahindra▲ +2.1%•Bajaj Finance▼ -0.9%•CIBIL Index▲ 748 avg•Home Loan Rate▼ 8.5%•Personal Loan▼ 10.9%•Gold Price▲ ₹71,240•
Free CIBIL Score Check · No Hard InquiryKnow your
Know your
CIBIL score.
Fix what's holding it back.
Instant CIBIL score check, credit utilization tracker, and loan health monitor — all in one dashboard.
12L+Users checked
+47 ptsAvg score lift
300–900Score range
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Your CIBIL Score
762Excellent
↑ +18 points this month
Score Range Guide
300Poor550Fair700Good750Excellent
Last updated: 27 Jun 2026
Credit Health Dashboard
💳
Utilization
28%
of total limit
🏦
Active Loans
2
home + personal
✅
On-time Payments
97%
last 24 months
📅
Credit Age
6.3 yrs
avg account age
🔍
Hard Inquiries
1
last 12 months
Score Trend
12-month history
Credit Utilization
You're using 28% of your total credit
Keeping utilization below 30% positively impacts your CIBIL score. You're in the healthy zone.
₹326k available
💡
Tip: Pay off the SBI SimplyCLICK balance to drop your utilization to ~20% — this could add 15–25 pts to your score.
💎HDFC Regalia Credit Card
24% usedUsed: ₹48kAvailable: ₹152kLimit: ₹200k
🔵SBI SimplyCLICK Card
41% usedUsed: ₹62kAvailable: ₹88kLimit: ₹150k
🟠Axis Bank MY Zone Card
14% usedUsed: ₹14kAvailable: ₹86kLimit: ₹100k
Score Factors
What's shaping your CIBIL score?
CIBIL weighs five dimensions. Here's where you stand on each.
Score Weight Distribution
Payment History (35%)Credit Utilization (30%)Credit Age (15%)Credit Mix (10%)New Inquiries (10%)
🟢
Excellent35% weight
Payment History
97% on-time payments in 24 months. Even one missed EMI drops your score by 50–100 pts.
Your score95/100
🔵
Good30% weight
Credit Utilization
Overall 28% utilization. Keep each card below 30% for best impact.
Your score72/100
🟡
Fair15% weight
Credit Age
Avg account age 6.3 years. Avoid closing old cards — they boost your average.
Your score58/100
🔵
Good10% weight
Credit Mix
Healthy mix of secured (home loan) and unsecured (personal loan, cards).
Your score70/100
🟢
Excellent10% weight
New Inquiries
Only 1 hard inquiry this year. Multiple applications signal financial stress.
Your score92/100
Free Tools
Financial calculators
Plan smarter with instant calculations — no signup needed.
🧮
EMI Calculator
Estimate your monthly loan payment
Loan Amount₹5,00,000
₹50k₹50L
Interest Rate10.5% p.a.
6%24%
Tenure36 months (3.0 yrs)
6 mo84 mo
Your EMI Breakdown
₹16,251/month
Principal: ₹5,00,000
Interest: ₹85,044
Total: ₹5,85,044
💳
Utilization Calculator
See how your credit usage affects your score
Total Credit Limit₹3,00,000
Current Balance₹75,000
Your Utilization
25%
✅
Great! Your utilization is healthy. This positively impacts your CIBIL score.
Simple process
Check your score in under 2 minutes
🔍
Step 1
Enter your details
Provide your PAN and mobile number. We verify your identity using OTP — no hard inquiry, no impact on your score.
📊
Step 2
Get your CIBIL report
Your full CIBIL report loads instantly — score, utilization, account history, and every factor that influences your creditworthiness.
🎯
Step 3
Follow personalised tips
Our engine analyses your profile and suggests the 3–5 actions with the highest impact on improving your score.
FAQ
Common questions about CIBIL scores
Your CIBIL score is a 3-digit number between 300 and 900 that summarises your credit history. Lenders use it to decide whether to approve your loan or credit card application and at what interest rate. A score above 750 is considered excellent and qualifies you for the best rates.
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We redirect you to our trusted partners Paisabazaar or OneScore. They provide the official report — we guide you on what to do with it.