Overview of CIBIL Score Ranges
CIBIL scores range strictly between 300 and 900. A higher score reflects a consistent history of honoring credit obligations, while a lower score indicates potential risk or recent repayment distress.
| Score Range | Classification | Underwriting Perception | Approval Probability |
|---|---|---|---|
| 750 – 900 | Excellent | Prime borrower; minimal default risk. | High (Preferred rates & fees) |
| 700 – 749 | Good | Responsible borrower with minor deviations. | Moderate to High |
| 650 – 699 | Fair | Higher risk perception; scrutinized closely. | Selective (NBFCs & PSU banks) |
| 300 – 649 | Needs Preparation | History of overdue, write-offs, or defaults. | Low (Requires collateral or guarantor) |
What Does "NA" or "NH" Mean?
If your report displays NA (Not Applicable) or NH (No History), it simply means you do not have any active or closed credit facilities on record. This is common for first-time borrowers. In such cases, lenders assess readiness primarily via salary slips, employer credibility, and bank statements.
Does a 750+ Score Guarantee a Loan?
No. While a 750+ score significantly boosts your eligibility profile, lenders independently assess your Fixed Obligation to Income Ratio (FOIR), monthly net salary, job stability, and document verification before issuing an unconditional sanction.
Check Where You Stand
Access official CIBIL guidance and review your loan readiness on PSBLOAN.