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RBI Compliant
300 900
750
Good Score
Loan Eligible
₹25 Lakh+
Best Rate
8.5% p.a.

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Why does your credit score matter?

Lenders use your Experian credit score to decide loan approvals and interest rates. A higher score means better chances and lower EMIs.

300500650750900
750 — 900
Excellent

Best loan terms, lowest interest rates, and instant approvals from top lenders.

650 — 749
Good

Eligible for most loan products. Small improvements unlock even better rates.

500 — 649
Fair

Higher rates and limited options. Focus on timely repayments to improve.

Below 500
Poor

Loan approvals are very difficult. Clear all overdue amounts immediately.

How to improve your credit score
1
Pay all EMIs and credit card bills on time — payment history accounts for 35% of your score.
2
Keep your credit utilisation below 30% of your total available limit.
3
Avoid applying for multiple loans or credit cards at the same time.
4
Maintain a healthy mix of secured (home, car) and unsecured (personal, card) credit.