{"id":17608,"date":"2026-08-05T08:58:36","date_gmt":"2026-08-05T08:58:36","guid":{"rendered":"https:\/\/jupiter.money\/blog\/what-is-a-credit-score-cibil-score-and-how-is-it-calculated-2026\/"},"modified":"2026-08-05T08:58:38","modified_gmt":"2026-08-05T08:58:38","slug":"what-is-a-credit-score","status":"publish","type":"post","link":"https:\/\/jupiter.money\/blog\/what-is-a-credit-score\/","title":{"rendered":"What Is a Credit Score (CIBIL Score) and How Is It Calculated? (2026)"},"content":{"rendered":"\n

Short answer:<\/strong> A credit score is a three-digit number (in India, most commonly the CIBIL score, ranging from 300 to 900) that summarises how reliably you repay borrowed money. It is calculated from your payment history, credit utilisation, length of credit history, credit mix, and recent credit enquiries. A score of 750 or above is considered strong. You can check yours free once a year from each credit bureau.<\/p>\n

Your credit score quietly shapes your access to loans and cards, and the rates you pay. Here is exactly what it is and how it is worked out.<\/p>\n

What is a credit score?<\/h2>\n

A credit score is a three-digit summary of your creditworthiness<\/strong>, based on how you have handled borrowing in the past. Lenders use it as a quick way to judge how likely you are to repay, before approving a loan or credit card and deciding your interest rate.<\/p>\n

In India, the best-known score is the CIBIL score<\/strong>, produced by TransUnion CIBIL. Three other bureaus, Experian, Equifax, and CRIF High Mark, also issue scores, and lenders may check any of them. All follow the same broad principles.<\/p>\n

The credit score range<\/h2>\n

The CIBIL score ranges from 300 to 900.<\/strong> Broadly, here is how lenders read it:<\/p>\n\n\n\n\n\n\n\n\n
Score range<\/th>\nHow lenders view it<\/th>\n<\/tr>\n<\/thead>\n
750\u2013900<\/td>\nExcellent, best approval odds and rates<\/td>\n<\/tr>\n
700\u2013749<\/td>\nGood, usually approved on fair terms<\/td>\n<\/tr>\n
650\u2013699<\/td>\nFair, approval possible at higher rates<\/td>\n<\/tr>\n
Below 650<\/td>\nRisky, rejection or steep rates likely<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

The closer to 900, the better. A score of 750 or above<\/strong> is the sweet spot that unlocks the best offers.<\/p>\n

How is a credit score calculated?<\/h2>\n
\"How<\/figure>\n

Your score is generated from your credit history using a weighted model. While the exact formula is not published, these are the main factors, roughly in order of importance:<\/p>\n