Is 750 a Good Credit Score

750 is considered to be a great CIBIL score for most loan products. Read ahead to know more about credit scores.

CIBIL score of 750 and above is considered a good score. But instead of just finding out if 750 is a good CIBIL score, check out this table below which shows the range of CIBIL scores and what they signify -

CIBIL Score Range


750 - 900


700 - 749


650 - 699


600 - 649


Below 600

Immediate Action Needed

It is to be noted that what is considered a good CIBIL score will totally depend on the lender. Often someone with a credit score of 600 or above may easily get a loan, if they match the other criteria for the loan.

In case you are new to credit scores and CIBIL scores, read on to understand what these terms mean.

What is a Credit Score?

Each and every lender checks your credit score before they give you a loan. But have you ever wondered what a credit score is?

Even though the terms ‘credit score’ and CIBIL score are often used interchangeably, they are not the same. The credit score is a 3 digit number ranging from 300 to 900 that shows the credit behavior of a person. 

The higher this score, the more the person’s creditworthiness.

Credit score is a generic term. There are many companies that calculate your credit score like CIBIL, Experian, Equifax, etc. There might be slight differences between the calculations of each of these organizations.

What is a CIBIL score?

The CIBIL stands for Credit Information Bureau India Limited, and it is the most commonly used credit rating in India. This bureau has the information about all credits taken by you, and financial transactions made to repay the credit.  

As this is the most trustworthy and popular credit score used by Indian lenders, your CIBIL score is often synonymous with your credit score. 

Benefits of Having a Good Credit Score

Having a good credit score proves that you have good credit behavior. It has multiple advantages - 


If you consider CIBIL scores, 750 is an excellent score to have. You can easily get any loan at good interest rates. 

But you need to maintain your excellent credit score, and here are some tips for it - 

If you further want to improve your CIBIL score, you can follow these steps consistently. The higher your credit score, the easier negotiation power you will have while taking loans.

CIBIL Score 750 - FAQs

The credit score requirements depend on the type of loan you are seeking. You can get loans even if you have a credit score as low as 600. But having a credit score of 750 or above is enough for most kinds of loans.

No, your credit score cannot go down unless you make a credit related activity. It can be more than missing payments, even if you take a new loan or close a loan account, you may see a sudden temporary drop in your credit score.

If you pay your bills on time, not utilize your maximum credit, and maintain good financial health, you can improve your credit score to 800. Not taking too many credit cards, and taking loans only when you can pay them on time, are some other behaviors that can help.

Studies in India have shown that people have a growing awareness towards their credit scores in the past years. About 43% of Indians from the metro cities have a credit score of 750 or above.

A credit score of 750 is great to have, and almost all kinds of loans are open for you with this. You can freely approach any bank or lender for loans or credit cards.


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