Last updated: 21 August 2026
What Is CIBIL?
India ka sabse popular credit bureau. Score 300-900 — 750+ good.
What Affects It
| Factor | Weight |
|---|---|
| Payment history | 35% |
| Utilization | 30% |
| Credit age | 15% |
| Mix | 10% |
| Inquiries | 10% |
Build & Check
Small spends + full payment → 3-6 mahine. Free: cibil.com, GPay, Paytm.
Frequently Asked Questions
Q: Good CIBIL?
A: 750+ good, 800+ excellent.
Q: Check free?
A: GPay/PhonePe/Paytm apps, cibil.com.
Convert your statement — free!
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