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CIBIL Score Calculator

New

Estimate your CIBIL credit score — free online

Payment history (%)95% (35% weight)

Never miss or delay an EMI payment — single biggest factor.

Credit utilization (%)30% (30% weight)

Keep below 30% of total credit limit. Below 10% is ideal.

Credit age (months)36mo (15% weight)

Older credit history scores better. Don't close old accounts.

Credit mix (no. of types)2 (10% weight)

Having both secured (home loan) and unsecured (credit card) credit helps.

Hard inquiries (last 6mo)1 (10% weight)

Each loan/card application creates a hard inquiry. Space out applications.

742/900

Fair

Good score. Some lenders may ask for higher interest.

33/35

Payment

21/30

Utilization

6/15

Age

5/10

Mix

8/10

Inquiries

This is an estimate. Check your actual score on CIBIL.com or Bajaj Finserv.

Browser-based, files never uploaded Instant results Works on any device

How to use CIBIL Score Calculator

1Answer questions about your payment history
2Enter your credit card utilisation %
3Specify age of oldest credit account
4Get estimated CIBIL score range and improvement tips

About this tool

Estimate your CIBIL credit score based on payment history, credit utilisation, age of accounts, credit mix, and new inquiries. Get tips to improve your score.

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Frequently asked questions

What is a good CIBIL score?

750 and above is considered good. 800+ gets you the best loan rates. Below 650 may cause loan rejection.

How often does CIBIL update?

CIBIL updates your score monthly based on information reported by banks.

Does checking your score hurt it?

No — self-inquiry (soft pull) does not affect your CIBIL score.