Credit Score guides
What your CIBIL score means, how it is worked out and how to improve it.
- Credit Score
Is a CIBIL Score Mandatory for Your First Loan? What RBI Says
No minimum credit score is set by RBI, and lenders are told not to reject first-time borrowers just for having no credit history. What that means in practice, and how to get your first loan.
2 min read - Credit Score
Business Credit Score: CIBIL Rank and Company Credit Report Explained
Businesses have their own credit report and score. What the CIBIL MSME Rank (CMR) is, how it's worked out, why the promoter's personal score still matters and how to improve both.
2 min read - Credit Score
DPD, SMA, NPA, Write-Off and Settlement: What They Mean for You
The terms lenders use when payments are late — DPD, SMA, NPA, written-off and settled — explained simply, with what each one does to your credit report.
2 min read - Credit Score
How to Improve Your CIBIL Score: 10 Steps That Actually Work
Practical, honest steps to raise your CIBIL score in India — paying on time, credit utilisation, fixing report errors and how long it really takes.
5 min read - Credit Score
How to Read Your CIBIL Report, Section by Section
A plain guide to your credit report: personal details, account information, DPD, enquiries and status codes — and what to check before you apply for a loan.
2 min read - Credit Score
What CIBIL Score Do You Need for a Personal Loan?
How lenders read your CIBIL score for a personal loan, what the score bands mean, and what to do if your score is low or you have no credit history.
4 min read
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