Credit Score — Guide & Simulator

Credit Score Impact Simulator Calculator

Payment history — on-time payments100%

Credit utilisation (% of limit used)20%

Age of oldest credit account (years)3 years

Number of loan/card accounts2

Hard inquiries in last 12 months1

Missed payments in last 24 months0

What your score means for loan interest rates

Score range	Rating	Home loan rate	Personal loan rate	Credit card approval
750–900	Excellent	8.35–8.75%	10–12%	Easy approval, best limits
700–749	Good	8.75–9.25%	12–15%	Good approval chances
650–699	Fair	9.25–10.5%	15–20%	May need guarantor
600–649	Poor	Difficult to get	20–30%	Mostly rejected
Below 600	Very poor	Banks refuse	NBFCs only, 30%+	Rejected

Difference between 700 and 800 score on a ₹50 lakh home loan over 20 years = approximately ₹8–12 lakh in extra interest paid. Building a strong credit score is genuinely high-ROI.

The 5 Factors — click any to see its impact Interactive

How each factor contributes

Score impact simulator — what if you did this?

Start with a base score and see the effect of specific actions

Your current score680

Myths — tap any to see the truth

90-Day Credit Score Improvement Plan Interactive checklist

For scores in the 600–720 range targeting 750+. Tick items as you complete them. Progress is tracked below.

0 / 24 done

Realistic score improvement timeline

Credit scores are managed by CIBIL (TransUnion), Equifax, Experian, and CRIF in India. This content is for educational purposes. Check your official score on each bureau's website.