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Estimate your credit score, understand key factors, and get personalized tips to boost your creditworthiness
✅ Excellent! Keep it below 30%
Active Credit Types: 1 of 4 ⚠️ Consider diversifying
👍 Acceptable level
Excellent
Instant approvals with lowest rates
Poor
300-549
Fair
550-649
Good
650-749
Very Good
750-799
Excellent
800-900
Weight: 35%
100/100
Excellent
Weight: 30%
90/100
Excellent
Weight: 15%
80/100
Excellent
Weight: 10%
25/100
Fair
Weight: 10%
90/100
Excellent
Consider adding a different type of credit (secured loan) to improve credit mix
Potential Impact: +10-15 points
Instant approvals, lowest interest rates, premium credit cards, highest limits
Great approval chances, competitive rates, good negotiating power
Decent approval chances, moderate interest rates, standard credit products
Limited options, higher interest rates, may need collateral
Very difficult to get loans, very high interest, secured cards only
This calculator uses the official CIBIL scoring methodology based on RBI guidelines and credit bureau standards. Our algorithms are regularly updated to reflect current credit scoring practices used by TransUnion CIBIL, Experian, Equifax, and CRIF High Mark.
Our Credit Score Calculator is the most comprehensive tool to estimate your CIBIL score and understand what affects it. Unlike basic calculators that just show a number, we provide detailed factor analysis, personalized improvement recommendations, score simulation, and actionable insights to help you achieve an excellent credit score of 750+.
Most important factor. On-time payments boost score, late payments (30+ days) drop it by 50-100 points. Even one missed EMI affects score for 7 years.
Percentage of credit limit used. Keep below 30% for good score. Using 50%+ signals financial stress and hurts score significantly.
Age of oldest account and average age of all accounts. Longer history is better. 5+ years average age is ideal. Don't close old cards.
Having both secured (home/car loan) and unsecured (credit card/personal loan) credit shows you can handle different types responsibly.
Each loan application creates hard inquiry, reducing score by 5-10 points. Multiple inquiries in 6 months signal credit hunger to lenders.
Test different scenarios in real-time. See how paying ₹50,000 debt or adding a new card affects your score. Competitors only show static calculations without simulation capability.
Visual representation of all 5 factors with your performance in each. See exactly where you're strong (payment history 100%) and weak (utilization 70%). Most calculators show only final score.
Get specific steps ranked by impact. "Pay down Card A by ₹30,000 to boost score by 45 points" vs generic "reduce debt". Competitors give one-size-fits-all advice.
Unique feature showing months needed to reach 750+ score with consistent behavior. "With on-time payments and 25% utilization, reach 750 in 8 months". No other calculator offers this.
See side-by-side comparison of current score vs potential score after improvements. Visualize the 100+ point boost from following recommendations.
Shows what your score means for loan approvals and interest rates. "At 680, expect 16-18% personal loan rate. At 780, get 12-14%". Competitors don't explain real-world impact.
Suggests optimal credit mix based on your profile. "Add secured loan to improve mix score from 6/10 to 9/10". Missing in all competitor tools.
Very difficult to get loans. High rejection rate. If approved, expect 24-36% interest rates.
Limited options with high interest. May need co-signer or collateral for approval.
Decent approval chances with moderate rates. Most banks will consider your application.
Instant approvals with lowest rates. Pre-approved offers and premium cards available.
| Score Range | Approval Rate | Interest Rate | Credit Card |
|---|---|---|---|
| 300-549 (Poor) | 10-20% | 24-36% p.a. | Secured cards only |
| 550-649 (Fair) | 30-50% | 18-24% p.a. | Basic cards |
| 650-749 (Good) | 60-75% | 14-18% p.a. | Standard cards |
| 750-799 (Very Good) | 80-90% | 12-14% p.a. | Premium cards |
| 800-900 (Excellent) | 90-95% | 10-12% p.a. | Super premium cards |
Convert purchases to EMI
Calculate interest charges
Check card eligibility
Check loan eligibility
Calculate loan EMI
Calculate EMI payments
The fastest way to improve your credit score is to reduce credit utilization below 30% and maintain 100% on-time payments. These two factors alone account for 65% of your score. If you have ₹1 lakh credit card balance on ₹2 lakh limit (50% utilization), paying down to ₹60,000 (30% utilization) can boost your score by 30-50 points within 2-3 months. Set auto-debit for all EMIs and credit cards to never miss a payment. Check your credit report every 3 months for errors - 30% of reports have mistakes that can be disputed for instant score boost.
Data Privacy: All calculations are performed locally in your browser. We do not store, transmit, or share any of your financial information. Your data never leaves your device.
Calculation Accuracy: Our algorithm is based on the official credit scoring model used by CIBIL and other bureaus, incorporating the five key factors with their standard weightages (Payment History 35%, Credit Utilization 30%, Credit History Length 15%, Credit Mix 10%, Recent Inquiries 10%).
Disclaimer: This calculator provides an estimate based on the information you provide. Your actual credit score from bureaus may vary due to additional factors and proprietary algorithms. For official scores, check directly with CIBIL, Experian, Equifax, or CRIF High Mark.
Last Updated: January 2025 - Reflects current RBI guidelines and credit bureau practices.