CIBIL is India's best-known credit bureau, and its score is the number most lenders check first. It ranges from 300 to 900, and a score above 750 is generally considered good enough for easy loan approval.
The score is built from your repayment history, how much of your available credit you use, the length of your credit history, and how often you apply for new credit. Paying bills on time and keeping card balances low are the biggest levers.
For example, someone who always pays on time and uses under 30% of their card limit tends to score well above 750, unlocking lower interest rates. To raise a low score, see our guide on how to improve your credit score.