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Tata Capital > Blog > How Much CIBIL Score Required For Personal Loan

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पर्सनल लोनसाठी किती CIBIL स्कोअर आवश्यक आहे

How Much CIBIL Score Required For Personal Loan

If you are looking for a personal loan to finance some immediate expenses, you must know about one of the most crucial determinants of your loan approval – the CIBIL score.

CIBIL हा भारतातील अधिकृत ब्युरो आहे जो प्रत्येक व्यक्तीला क्रेडिट स्कोअर प्रदान करतो. क्रेडिट स्कोअर हा 300 आणि 900 दरम्यानचा 3-अंकी क्रमांक आहे जो तुमच्या क्रेडिट हेल्थचे मोजमाप करण्यासाठी लेंडरसाठी बेंचमार्क म्हणून कार्य करतो. म्हणून, तुम्हाला पर्सनल लोन मंजुरीसाठी योग्य CIBIL स्कोअरची आवश्यकता आहे.

A CIBIL score includes all the information related to your EMI payments, your account’s outstanding balance, credit card payments, any alterations to your credit limit, and other details associated with your credit profile. Subsequently, a mathematical formula is devised to calculate your final credit score. If you have made all your EMI payments on time without any defaults in the past, your CIBIL score would be high. Conversely, if you have a history of defaulting, it will adversely impact your credit score.

Besides your monthly income, the CIBIL score is one of the most critical parameters that decide your personal loan eligibility. The higher your CIBIL score, the better the chances of getting a loan approved. But the question is- how much CIBIL score is required for a personal loan?

प्राथमिक स्टेप म्हणून, लेंडर तुमच्या लोन ॲप्लिकेशनवर कॉल करण्यापूर्वी किमान 750 CIBIL स्कोअर शोधतात.

Understanding CIBIL Score Ranges for Personal Loan Approval

Let us now look at three cases, each of which details the CIBIL score range for a personal loan.

केस 1: तुमचा CIBIL स्कोअर 300 आणि 599 दरम्यान आहे

Wondering whether you can qualify for a personal loan with a CIBIL score of 550? Well, the chances are that you will not qualify for a personal loan. This is because a score between 300 and 600 warns the lenders about the bad credit behaviour of the borrower. Thus, most banks will disapprove of your personal loan application immediately if you fall under this CIBIL score range for a personal loan.

केस 2: तुमचा CIBIL स्कोअर 600 आणि 749 दरम्यान आहे

With a credit score in this range, there is a relatively moderate chance of your loan application being approved by lenders. Financial institutions would usually look for other factors to gauge your personal loan eligibility, such as your monthly income, other existing loans, employment stability, debt-to-income ratio, employment history, credit history, relationship with the bank, etc. Loan approvals for credit scores within this range often come with slightly higher interest rates.

केस 3: तुमचा CIBIL स्कोअर 750 किंवा अधिक आहे

जर तुमच्याकडे 750 किंवा त्यापेक्षा जास्त स्कोअर असेल तर तुमचे लोन ॲप्लिकेशन मंजूर होण्याची शक्यता आहे. याशिवाय, पर्सनल लोनसाठी उच्च क्रेडिट स्कोअर राखण्याचे इतर फायदे आहेत. उदाहरणार्थ, तुम्ही लेंडरसह कमी व्याज रेटची वाटाघाटी करू शकता.

While there is no minimum CIBIL score required for personal loan approval, it is safe to say that a low score will lead to the rejection of your application. So, make sure you maintain a healthy CIBIL score.

तसेच, वाचा – 600 ते 750 पर्यंत CIBIL स्कोअर कसा वाढवावा

तुमचा CIBIL स्कोअर सुधारण्याचे मार्ग

Is your CIBIL score on the lower side? If yes, you will find it challenging to get your loan approved. But don’t worry! You can increase your CIBIL score over time by taking the following measures:

1. तुमचे बिल वेळेवर भरा:

Paying your credit card bills and other outstanding debts on time can significantly improve your CIBIL score. On the other hand, even a single missed payment can negatively impact your score.

2. Limit your credit utilisation ratio to 50%:

If the approved limit of your card is Rs 2 lakh, try to restrict your spending to less than half of the amount. A low credit utilisation ratiorepresents good spending discipline.

Tip: Maintain a healthy credit mix by balancing different types of credit, like a credit card and a small loan or EMI. This shows lenders you can manage multiple credit types responsibly.

3. एकाच वेळी एकाधिक लोनसाठी अप्लाय करणे टाळा:

Remember, when you apply for a loan or credit card with multiple lenders, you appear ‘greedy’ for credit, making a lender more likely to reject your application. Multiple loan applications also adversely impact your credit score.

4. तुमच्या क्रेडिट हेल्थवर नियमितपणे देखरेख करा:

Check your credit score regularly. You can check your credit score and credit report online for free. Keep an eye on any changes and see your progress. If you find any errors or discrepancies, get them removed immediately. This will help you achieve your desired CIBIL score required for a personal loan.

तसेच, वाचा – 777 क्रेडिट स्कोअर म्हणजे काय?

How long does it take to improve the CIBIL score?

The good news is that you can take as long as you want to rebuild your credit, so be patient with your efforts. Remember, following healthy financial practices consistently will help you improve your CIBIL score over time.

First, identify the extent to which your credit score is hurt. Then, you can explore what immediate steps you can take. The credit score recovery process can take anywhere between 6 months and a year, depending on your credit health.

For instance, suppose you are in the process of repaying a home loan, and you miss a payment. A missed payment will negatively affect your score for a while. However, you can still rebuild it quickly by making payments on time in the future. However, if you continuously miss payments or default on loans, it will damage your score considerably. Therefore, it will take you a long time to recover.

Why is Your Credit Score Important for Personal Loan Approval?

Your credit score shows lenders how well you’ve handled money in the past. As such, it is a big factor in whether your loan gets approved. A high CIBIL score makes lenders feel comfortable, which means you’re more likely to get a higherloan amount.

A good credit score also helps you get lower interest rates and better loan terms. This is because it makes lenders feel confident that you will repay on time. As a result, they are willing to offer better interest rates, flexible repayment options, and quicker processing.

Moreover, since personal loans are unsecured loans, meaning they don’t need any security or collateral, banks depend on your credit score to judge risk. Most lenders prefer a score of 720–750 or higher, so having a strong score makes the entire approval process smoother and faster.

Minimum CIBIL Score for Personal Loan by Tata Capital

Tata Capital generally prefers a minimum credit score of 750 for personal loan approval. A score in this range shows strongrepayment capacity, increasing your chances of getting approved quickly and securing better interest rates, tenure, and loan terms.

तसेच, वाचा – CIBIL स्कोअरवर विलंब पेमेंटचा परिणाम

Can You Get a Personal Loan with a Low CIBIL Score? (or No CIBIL Score?)

Yes, it is possible to get a personal loan with a low or no CIBIL score. However, it comes with certain trade-offs or sanctions. If your CIBIL score is low or if you don’t have one at all, lenders may still consider your application if you show a stable income, low debt, or provide extra documents.

You can also apply with a co-applicant or guarantor who has a strong payment history to improve your chances. Alternatively, you can consider a secured loan. Some lenders may ask for collateral like gold or a vehicle to reduce their risk. However, be prepared for higher interest rates, stricter checks, and smaller loan amounts.

How to Check Your CIBIL Score (Free & Regularly)

You can check your CIBIL score for free through several channels:

  • CIBIL website: You can get one free CIBIL report every year through the official CIBIL website. Simply enter your details, add your PAN, answer a few questions, and download your report. You can also check via other credit bureaus, like Experian, Equifax, CRIF High Mark, and TransUnion.
  • Bank apps: Many banks show your updated credit score every month inside their app or portal.
  • Third-party websites: Some NBFCs and fintech platforms offer free CIBIL score checks in exchange for basic contact details.
  • Tata Capital’s credit score tool: You can also use Tata Capital’s online tool to check your CIBIL score for free. Enter your personal details, PAN number, and address, and click on ‘Submit.’
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सामान्य प्रश्न

What is the minimum credit score for a personal loan from Tata Capital?

You should have a minimum CIBIL score of 750 to secure a personal loan from Tata Capital.

Is a CIBIL score of 700 good for a personal loan?

Yes, a score of 700 is decent. However, you may get higher interest rates or stricter terms depending on the lender's policy. A score above 750 is usually better.

Can I get a personal loan if my CIBIL score is below 650?

Yes, you can get a personal loan if your CIBIL score is below 650. However, it may be harder. You might have to show strong income, add a co-applicant, or accept higher interest rates.

How can I check my CIBIL score for free?

You can check your CIBIL score for free using the CIBIL website, your bank app, or Tata Capital's free online credit score tool.

Does checking my CIBIL score affect it?

No. Checking your CIBIL score yourself is a soft inquiry and does not affect it.

What other factors besides CIBIL score affect personal loan eligibility?

Besides the CIBIL score, lenders also consider other eligibility criteria, such as your income, employment and financial stability, existing debts, credit utilisation, and overall credit mix.

How quickly can I improve my CIBIL score?

It usually takes 3-6 months of timely payments, low credit usage, and disciplined borrowing to see noticeable improvement in the CIBIL score.

What is a good credit score range for a personal loan?

A score of 750 and above is considered good and improves your chances of getting better rates and faster approval.

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