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CIBIL Score: How to Determine Your CIBIL Score. How to Raise Your CIBIL Score. What is the most appropriate CIBIL score range? Understand the distinction between a CIBI score and a report.

CIBIL score is a three-digit numerical expression of your repayment and credit profile. The score ranges from 300 and 900. And the closer you’re to 900, the better your CIBIL score will be. An ideal CIBIL score is 750 for getting a loan on favorable terms. If you have a CIBIL score less than the ideal score, you need to take measures to improve it.


Pay your bills on time every time: Lenders take an unfavorable view of late payments.
Reduce your balances: Always be cautious not to overuse credit; limit your usage.
Keep a balanced mix of credit: It is preferable to have a good balance between secured (like a mortgage or car loan) and unsecured loans (like a credit card or personal loan). A surplus of unsecured debt could be perceived unfavorably.
Apply for new credit sparingly: Applying for new credit prudently will prevent the impression that you are constantly seeking excessive amounts of credit.
Check your joint, guaranteed, and co-signed accounts every month: You are equally responsible for late payments on accounts that were co-signed, guaranteed, or held jointly. Negligence on the part of your joint holder (or the assured individual) may result in

A good CIBIL score range for getting loans easily typically falls within the range of 750 and above. This score reflects a borrower’s creditworthiness and is based on their credit history, including factors like repayment history, credit utilization, length of credit history, types of credit used, and recent credit behavior.

Calculating your CIBIL score is not something you can do manually. It is generated by Credit Information Bureau (India) Limited (CIBIL), which is one of the leading credit bureaus in India. The score is based on your credit history, which includes information about your loans, credit cards, and their repayment patterns.

Because we only receive data of persons from our members (Banks and financial institutions), CIBIL is unable to delete or alter information that appears on your CIR on its own. No “good” and “bad” credit or defaulters lists exist either.

A No Hit means that there isn’t enough credit activity to create your CIBIL Score & Report based on the information you provided. Please be aware that this information will only be available once a financial institution has submitted data regarding your credit activity.

Checking your bank balance using your account number and IFSC (Indian Financial System Code) code can be convenient, especially when you don’t have access to your physical bank statement or don’t want to visit the bank in person. Here’s a step-by-step guide on how to do it:

Secure online payments in India require an Indian Financial System Code (IFSC) for several important reasons:

Identification of Bank and Branch: The IFSC is a unique alphanumeric code that helps identify a specific bank and its branch in India. Given the vast number of banks and branches across the country, the IFSC system ensures accuracy in routing payments to the correct destination. This is crucial to prevent payment errors and ensure funds reach the intended recipient.

NEFT and RTGS Transactions: The Reserve Bank of India (RBI) mandates the use of IFSC codes for electronic funds transfer systems like National Electronic Funds Transfer (NEFT) and Real-Time Gross Settlement (RTGS). These systems enable secure, quick, and efficient transfer of funds between different banks and their branches. The IFSC ensures that transactions are processed accurately and promptly.

UPI and Mobile Banking: In the era of digital payments, the Unified Payments Interface (UPI) has gained widespread popularity in India. IFSC codes play a vital role here as well. While transferring funds through UPI or mobile banking apps, users often link their bank accounts by entering the bank’s name and IFSC code. This ensures that money is routed to the correct account.

E-commerce and Bill Payments: When making online purchases or paying bills through websites and apps, consumers may be required to enter their bank account details, including the IFSC code, to complete the transaction securely. This information ensures that payments are accurately credited to the seller or service provider.

Preventing Fraud and Errors: The use of IFSC codes helps prevent fraudulent transactions and errors in fund transfers. Verifying the IFSC code ensures that the recipient’s bank account is legitimate, reducing the risk of sending money to the wrong account.

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