{"id":484,"date":"2025-04-14T11:59:11","date_gmt":"2025-04-14T11:59:11","guid":{"rendered":"https:\/\/www.daytodayloan.com\/blogs\/?p=484"},"modified":"2025-04-14T12:18:16","modified_gmt":"2025-04-14T12:18:16","slug":"how-much-cibil-score-is-required-for-a-personal-loan","status":"publish","type":"post","link":"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/","title":{"rendered":"How Much CIBIL Score is Required for a Personal Loan?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"484\" class=\"elementor elementor-484\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07335b4 e-flex e-con-boxed e-con e-parent\" data-id=\"07335b4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f8f7e6 elementor-widget elementor-widget-text-editor\" data-id=\"5f8f7e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"183\" data-end=\"571\">If you have ever applied for a personal loan, you have likely come across the term <strong data-start=\"285\" data-end=\"300\">CIBIL score<\/strong>. But what exactly is it, and how does it affect your loan approval? This guide will walk you through everything you need to know about the CIBIL score required for a <a href=\"https:\/\/www.daytodayloan.com\/personal-loan.php\"><strong>personal loan<\/strong><\/a> \u2014 why it matters, how you can improve it, and what your options are even with a low score.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#What_is_a_CIBIL_Score\" >What is a CIBIL Score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Breakdown_of_CIBIL_Score_Range\" >Breakdown of CIBIL Score Range:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Ideal_CIBIL_Score_for_Personal_Loan\" >Ideal CIBIL Score for Personal Loan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Why_750_is_Considered_the_Benchmark\" >Why 750 is Considered the Benchmark?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Can_You_Get_a_Personal_Loan_with_Low_CIBIL_Score\" >Can You Get a Personal Loan with Low CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Factors_That_Affect_Your_CIBIL_Score\" >Factors That Affect Your CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#How_to_Improve_Your_CIBIL_Score\" >How to Improve Your CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Documents_Required_for_Personal_Loan_Along_with_CIBIL_Check\" >Documents Required for Personal Loan (Along with CIBIL Check)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#What_If_You_Dont_Have_a_Credit_History\" >What If You Don\u2019t Have a Credit History?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#How_Often_Does_the_CIBIL_Score_Update\" >How Often Does the CIBIL Score Update?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Tips_to_Get_Personal_Loan_Approval_Faster\" >Tips to Get Personal Loan Approval Faster<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Common_Mistakes_That_Can_Lower_Your_CIBIL_Score\" >Common Mistakes That Can Lower Your CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"\" data-start=\"620\" data-end=\"648\"><span class=\"ez-toc-section\" id=\"What_is_a_CIBIL_Score\"><\/span>What is a CIBIL Score?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"650\" data-end=\"936\">A <strong data-start=\"652\" data-end=\"667\">CIBIL score<\/strong> is a 3-digit number that represents your credit history. It ranges from <strong data-start=\"740\" data-end=\"754\">300 to 900<\/strong>, and the higher your score, the better your chances of getting approved for a loan. The score is calculated by <strong data-start=\"866\" data-end=\"886\">TransUnion CIBIL<\/strong>, one of the most trusted credit bureaus in India.<\/p><h3 class=\"\" data-start=\"938\" data-end=\"973\"><span class=\"ez-toc-section\" id=\"Breakdown_of_CIBIL_Score_Range\"><\/span>Breakdown of CIBIL Score Range:<span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f795d33 e-flex e-con-boxed e-con e-parent\" data-id=\"f795d33\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7e37fa elementor-widget elementor-widget-html\" data-id=\"a7e37fa\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\ntable {\r\n  font-family: arial, sans-serif;\r\n  border-collapse: collapse;\r\n  width: 100%;\r\n}\r\n\r\ntd, th {\r\n  border: 1px solid #dddddd;\r\n  text-align: left;\r\n  padding: 8px;\r\n}\r\n\r\ntr:nth-child(even) {\r\n  background-color: #dddddd;\r\n}\r\n<\/style>\r\n<table>\r\n    <tr>\r\n    <th><b>CIBIL Score Range\t<\/b><\/th>\r\n    <th><b>Creditworthiness<\/b><\/th>\r\n    <th><b>Chances of Personal Loan Approval<\/b><\/th>\r\n  <\/tr>\r\n  <tr>\r\n    <td><b>750 \u2013 900<\/b><\/td>\r\n    <td>Excellent<\/td>\r\n    <td>Very High<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td><b>700 \u2013 749\t<\/b><\/td>\r\n    <td>Good<\/td>\r\n    <td>High<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td><b>650 \u2013 699<\/b><\/td>\r\n    <td>Fair<\/td>\r\n    <td>Moderate<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td><b>550 \u2013 649<\/b><\/td>\r\n    <td>Poor<\/td>\r\n    <td>Low<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td><b>300 \u2013 549\t<\/b><\/td>\r\n    <td>Very Poor<\/td>\r\n    <td>Very Low<\/td>\r\n  <\/tr>\r\n<\/table>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52e3e03 e-flex e-con-boxed e-con e-parent\" data-id=\"52e3e03\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-074070f elementor-widget elementor-widget-text-editor\" data-id=\"074070f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"\" data-start=\"1568\" data-end=\"1608\"><span class=\"ez-toc-section\" id=\"Ideal_CIBIL_Score_for_Personal_Loan\"><\/span>Ideal CIBIL Score for Personal Loan<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"1610\" data-end=\"1839\">Most banks and NBFCs (Non-Banking Financial Companies) prefer a <strong data-start=\"1674\" data-end=\"1705\">CIBIL score of 750 or above<\/strong> for approving personal loans. A score in this range shows you have a good repayment history, and you are less risky to lend money to.<\/p><h3 class=\"\" data-start=\"1841\" data-end=\"1881\"><span class=\"ez-toc-section\" id=\"Why_750_is_Considered_the_Benchmark\"><\/span>Why 750 is Considered the Benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3><ul data-start=\"1883\" data-end=\"2067\"><li class=\"\" data-start=\"1883\" data-end=\"1924\"><p class=\"\" data-start=\"1885\" data-end=\"1924\">It shows <strong data-start=\"1894\" data-end=\"1923\">good financial discipline<\/strong>.<\/p><\/li><li class=\"\" data-start=\"1925\" data-end=\"1990\"><p class=\"\" data-start=\"1927\" data-end=\"1990\">It increases your chances of getting <strong data-start=\"1964\" data-end=\"1989\">better interest rates<\/strong>.<\/p><\/li><li class=\"\" data-start=\"1991\" data-end=\"2029\"><p class=\"\" data-start=\"1993\" data-end=\"2029\">You may get <strong data-start=\"2005\" data-end=\"2028\">higher loan amounts<\/strong>.<\/p><\/li><li class=\"\" data-start=\"2030\" data-end=\"2067\"><p class=\"\" data-start=\"2032\" data-end=\"2067\">The <strong data-start=\"2036\" data-end=\"2066\">approval process is faster<\/strong>.<\/p><\/li><\/ul><h2><span class=\"ez-toc-section\" id=\"Can_You_Get_a_Personal_Loan_with_Low_CIBIL_Score\"><\/span>Can You Get a Personal Loan with Low CIBIL Score?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"2131\" data-end=\"2160\">Yes, but it is more difficult.<\/p><p class=\"\" data-start=\"2162\" data-end=\"2213\">If your score is below 700, lenders may either:<\/p><ul data-start=\"2214\" data-end=\"2333\"><li class=\"\" data-start=\"2214\" data-end=\"2244\"><p class=\"\" data-start=\"2216\" data-end=\"2244\"><strong data-start=\"2216\" data-end=\"2226\">Reject<\/strong> your application,<\/p><\/li><li class=\"\" data-start=\"2245\" data-end=\"2289\"><p class=\"\" data-start=\"2247\" data-end=\"2289\">Approve it with higher interest rates,<\/p><\/li><li class=\"\" data-start=\"2290\" data-end=\"2333\"><p class=\"\" data-start=\"2292\" data-end=\"2333\">Or ask for a guarantor or collateral.<\/p><\/li><\/ul><p class=\"\" data-start=\"2335\" data-end=\"2513\">Some private lenders, fintech companies, or peer-to-peer (P2P) platforms offer loans to individuals with lower CIBIL scores, but <strong data-start=\"2464\" data-end=\"2512\">terms and conditions may not be as favorable<\/strong>.<\/p><p data-start=\"2335\" data-end=\"2513\"><strong>Also Read: <a href=\"https:\/\/www.daytodayloan.com\/blogs\/my-cibil-score-is-600-can-i-get-personal-loan\/\"><em>My CIBIL Score is 600: Can I Get a Personal Loan?<\/em><\/a><\/strong><\/p><h2 data-start=\"2335\" data-end=\"2513\"><span class=\"ez-toc-section\" id=\"Factors_That_Affect_Your_CIBIL_Score\"><\/span>Factors That Affect Your CIBIL Score<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"2564\" data-end=\"2673\">To understand how to improve your score or maintain a good one, let\u2019s look at the key factors that affect it:<\/p><ol data-start=\"2675\" data-end=\"3195\"><li class=\"\" data-start=\"2675\" data-end=\"2774\"><p class=\"\" data-start=\"2678\" data-end=\"2774\"><strong data-start=\"2678\" data-end=\"2705\">Repayment History (35%)<\/strong><br data-start=\"2705\" data-end=\"2708\" \/>Missing EMIs or credit card payments can bring your score down.<\/p><\/li><li class=\"\" data-start=\"2776\" data-end=\"2879\"><p class=\"\" data-start=\"2779\" data-end=\"2879\"><strong data-start=\"2779\" data-end=\"2813\">Credit Utilization Ratio (30%)<\/strong><br data-start=\"2813\" data-end=\"2816\" \/>Using too much of your available credit limit is a red flag.<\/p><\/li><li class=\"\" data-start=\"2881\" data-end=\"2954\"><p class=\"\" data-start=\"2884\" data-end=\"2954\"><strong data-start=\"2884\" data-end=\"2918\">Length of Credit History (15%)<\/strong><br data-start=\"2918\" data-end=\"2921\" \/>Longer history = Better score.<\/p><\/li><li class=\"\" data-start=\"2956\" data-end=\"3074\"><p class=\"\" data-start=\"2959\" data-end=\"3074\"><strong data-start=\"2959\" data-end=\"2979\">Credit Mix (10%)<\/strong><br data-start=\"2979\" data-end=\"2982\" \/>Having both secured (like home loans) and unsecured loans (like personal loans) is ideal.<\/p><\/li><li class=\"\" data-start=\"3076\" data-end=\"3195\"><p class=\"\" data-start=\"3079\" data-end=\"3195\"><strong data-start=\"3079\" data-end=\"3112\">Recent Credit Inquiries (10%)<\/strong><br data-start=\"3112\" data-end=\"3115\" \/>Applying for too many loans or cards within a short time can hurt your score.<\/p><\/li><\/ol><h2><span class=\"ez-toc-section\" id=\"How_to_Improve_Your_CIBIL_Score\"><\/span>How to Improve Your CIBIL Score?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"3241\" data-end=\"3344\">If your score is low, don\u2019t worry! You can always improve it over time by following these simple steps:<\/p><p data-start=\"3346\" data-end=\"3395\">1. <strong data-start=\"3353\" data-end=\"3395\">Pay EMIs and Credit Card Bills on Time<\/strong><\/p><p class=\"\" data-start=\"3396\" data-end=\"3491\">Even one missed payment can impact your score. Set up auto-debits or reminders to avoid delays.<\/p><p data-start=\"3493\" data-end=\"3537\">2. <strong data-start=\"3500\" data-end=\"3537\">Keep Credit Utilization Below 30%<\/strong><\/p><p class=\"\" data-start=\"3538\" data-end=\"3644\">If your credit card limit is \u20b91,00,000, try to use less than \u20b930,000. This shows responsible credit usage.<\/p><p data-start=\"3646\" data-end=\"3699\">3. <strong data-start=\"3653\" data-end=\"3699\">Avoid Applying for Too Many Loans or Cards<\/strong><\/p><p class=\"\" data-start=\"3700\" data-end=\"3800\">Multiple applications send a message that you\u2019re credit-hungry, which isn\u2019t a good sign for lenders.<\/p><p data-start=\"3802\" data-end=\"3842\">4. <strong data-start=\"3809\" data-end=\"3842\">Maintain a Healthy Credit Mix<\/strong><\/p><p class=\"\" data-start=\"3843\" data-end=\"3949\">It\u2019s better to have both credit card usage and loans (personal, vehicle, etc.) to show a balanced profile.<\/p><p data-start=\"3951\" data-end=\"3996\">5. <strong data-start=\"3958\" data-end=\"3996\">Check Your CIBIL Report for Errors<\/strong><\/p><p class=\"\" data-start=\"3997\" data-end=\"4123\">Sometimes, your score may be affected by wrong information. You can raise a dispute on the CIBIL website and get it corrected.<\/p><h2 data-start=\"3997\" data-end=\"4123\"><span class=\"ez-toc-section\" id=\"Documents_Required_for_Personal_Loan_Along_with_CIBIL_Check\"><\/span>Documents Required for Personal Loan (Along with CIBIL Check)<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"5085\" data-end=\"5146\">Here are the documents you need to apply for a personal loan:<\/p><ul data-start=\"5148\" data-end=\"5388\"><li class=\"\" data-start=\"5148\" data-end=\"5162\"><p class=\"\" data-start=\"5150\" data-end=\"5162\"><strong data-start=\"5150\" data-end=\"5162\">PAN Card<\/strong><\/p><\/li><li class=\"\" data-start=\"5163\" data-end=\"5202\"><p class=\"\" data-start=\"5165\" data-end=\"5202\"><strong data-start=\"5165\" data-end=\"5202\">Aadhar Card \/ Voter ID \/ Passport<\/strong><\/p><\/li><li class=\"\" data-start=\"5203\" data-end=\"5268\"><p class=\"\" data-start=\"5205\" data-end=\"5268\"><strong data-start=\"5205\" data-end=\"5237\">Salary Slips (last 3 months)<\/strong> or <strong data-start=\"5241\" data-end=\"5268\">ITR (for self-employed)<\/strong><\/p><\/li><li class=\"\" data-start=\"5269\" data-end=\"5306\"><p class=\"\" data-start=\"5271\" data-end=\"5306\"><strong data-start=\"5271\" data-end=\"5306\">Bank Statements (last 6 months)<\/strong><\/p><\/li><li class=\"\" data-start=\"5307\" data-end=\"5323\"><p class=\"\" data-start=\"5309\" data-end=\"5323\"><strong data-start=\"5309\" data-end=\"5323\">Photograph<\/strong><\/p><\/li><li class=\"\" data-start=\"5324\" data-end=\"5388\"><p class=\"\" data-start=\"5326\" data-end=\"5388\"><strong data-start=\"5326\" data-end=\"5342\">CIBIL Report<\/strong> (usually fetched automatically by the lender)<\/p><\/li><\/ul><h2><span class=\"ez-toc-section\" id=\"What_If_You_Dont_Have_a_Credit_History\"><\/span>What If You Don\u2019t Have a Credit History?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"5443\" data-end=\"5530\">If you are new to credit and don\u2019t have a score yet (CIBIL shows &#8220;NA&#8221; or &#8220;NH&#8221;), you can:<\/p><ul data-start=\"5532\" data-end=\"5736\"><li class=\"\" data-start=\"5532\" data-end=\"5597\"><p class=\"\" data-start=\"5534\" data-end=\"5597\">Start with a <strong data-start=\"5547\" data-end=\"5570\">secured credit card<\/strong> backed by a fixed deposit.<\/p><\/li><li class=\"\" data-start=\"5598\" data-end=\"5660\"><p class=\"\" data-start=\"5600\" data-end=\"5660\">Take a <strong data-start=\"5607\" data-end=\"5638\">small consumer durable loan<\/strong> and repay it on time.<\/p><\/li><li class=\"\" data-start=\"5661\" data-end=\"5736\"><p class=\"\" data-start=\"5663\" data-end=\"5736\">Use <strong data-start=\"5667\" data-end=\"5696\">BNPL (Buy Now, Pay Later)<\/strong> services that report to credit bureaus.<\/p><\/li><\/ul><p class=\"\" data-start=\"5738\" data-end=\"5811\">After 6 months of consistent repayment, your score will start reflecting.<\/p><h2 data-start=\"5738\" data-end=\"5811\"><span class=\"ez-toc-section\" id=\"How_Often_Does_the_CIBIL_Score_Update\"><\/span>How Often Does the CIBIL Score Update?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"5864\" data-end=\"6081\">Your CIBIL score is updated <strong data-start=\"5892\" data-end=\"5912\">every 30\u201345 days<\/strong> based on the data shared by banks and NBFCs. So if you make improvements like timely EMI payments or reduce credit card debt, your score will improve in the next cycle.<\/p><h2 class=\"\" data-start=\"6088\" data-end=\"6135\"><span class=\"ez-toc-section\" id=\"Tips_to_Get_Personal_Loan_Approval_Faster\"><\/span>Tips to Get Personal Loan Approval Faster<span class=\"ez-toc-section-end\"><\/span><\/h2><ul data-start=\"6137\" data-end=\"6518\"><li class=\"\" data-start=\"6137\" data-end=\"6176\"><p class=\"\" data-start=\"6139\" data-end=\"6176\">Maintain a score of <strong data-start=\"6159\" data-end=\"6175\">750 or above<\/strong>.<\/p><\/li><li class=\"\" data-start=\"6177\" data-end=\"6263\"><p class=\"\" data-start=\"6179\" data-end=\"6263\">Apply with a bank\/NBFC where you have a <strong data-start=\"6219\" data-end=\"6237\">salary account<\/strong> or previous relationship.<\/p><\/li><li class=\"\" data-start=\"6264\" data-end=\"6348\"><p class=\"\" data-start=\"6266\" data-end=\"6348\">Choose <strong data-start=\"6273\" data-end=\"6293\">loan aggregators<\/strong> or <strong data-start=\"6297\" data-end=\"6317\">online platforms<\/strong> that offer soft credit checks.<\/p><\/li><li class=\"\" data-start=\"6349\" data-end=\"6445\"><p class=\"\" data-start=\"6351\" data-end=\"6445\">Use <strong data-start=\"6355\" data-end=\"6378\">pre-approved offers<\/strong> if available \u2014 these are quicker and don\u2019t require fresh approval.<\/p><\/li><li class=\"\" data-start=\"6446\" data-end=\"6518\"><p class=\"\" data-start=\"6448\" data-end=\"6518\">Avoid applying to multiple lenders at once \u2014 this can hurt your score.<\/p><\/li><\/ul><h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_That_Can_Lower_Your_CIBIL_Score\"><\/span>Common Mistakes That Can Lower Your CIBIL Score<span class=\"ez-toc-section-end\"><\/span><\/h2><ul><li class=\"\" data-start=\"6580\" data-end=\"6625\"><p class=\"\" data-start=\"6582\" data-end=\"6625\">Paying only <strong data-start=\"6594\" data-end=\"6609\">minimum due<\/strong> on credit cards<\/p><\/li><li class=\"\" data-start=\"6626\" data-end=\"6681\"><p class=\"\" data-start=\"6628\" data-end=\"6681\"><strong data-start=\"6628\" data-end=\"6642\">Co-signing<\/strong> a loan where the other person defaults<\/p><\/li><li class=\"\" data-start=\"6682\" data-end=\"6728\"><p class=\"\" data-start=\"6684\" data-end=\"6728\">Ignoring <strong data-start=\"6693\" data-end=\"6705\">old dues<\/strong> on closed credit cards<\/p><\/li><li class=\"\" data-start=\"6729\" data-end=\"6776\"><p class=\"\" data-start=\"6731\" data-end=\"6776\">Not checking your credit report <strong data-start=\"6763\" data-end=\"6776\">regularly<\/strong><\/p><\/li><li class=\"\" data-start=\"6777\" data-end=\"6807\"><p class=\"\" data-start=\"6779\" data-end=\"6807\">Frequent <strong data-start=\"6788\" data-end=\"6807\">loan rejections<\/strong><\/p><\/li><\/ul><h2 class=\"\" data-start=\"6814\" data-end=\"6834\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span>Final Thoughts<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"\" data-start=\"6836\" data-end=\"7084\">Your <strong data-start=\"6841\" data-end=\"6877\">CIBIL score plays a crucial role<\/strong> in whether you\u2019ll get a personal loan and how much interest you\u2019ll pay. A score of <strong data-start=\"6961\" data-end=\"6977\">750 or above<\/strong> is ideal, but even if your score is lower, there are ways to still get a loan \u2014 though with extra caution.<\/p><p class=\"\" data-start=\"7086\" data-end=\"7105\">Make it a habit to:<\/p><ul data-start=\"7106\" data-end=\"7200\"><li class=\"\" data-start=\"7106\" data-end=\"7144\"><p class=\"\" data-start=\"7108\" data-end=\"7144\">Monitor your credit score regularly,<\/p><\/li><li class=\"\" data-start=\"7145\" data-end=\"7169\"><p class=\"\" data-start=\"7147\" data-end=\"7169\">Pay your EMIs on time,<\/p><\/li><li class=\"\" data-start=\"7170\" data-end=\"7200\"><p class=\"\" data-start=\"7172\" data-end=\"7200\">Use your credit responsibly.<\/p><\/li><\/ul><p class=\"\" data-start=\"7202\" data-end=\"7309\">With smart financial habits, you can improve your credit score and access better loan offers in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80dce39 e-flex e-con-boxed e-con e-parent\" data-id=\"80dce39\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-085d92b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"085d92b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.daytodayloan.com\/apply-now.php?utm_source=blogs\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply For Personal Loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you have ever applied for a personal loan, you have likely come across the term CIBIL score. But what exactly is it, and how does it affect your loan approval? This guide will walk you through everything you need to know about the CIBIL score required for a personal loan \u2014 why it matters, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,40],"tags":[51,53,50,54],"class_list":["post-484","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cibil-score","category-personal-loan","tag-cibil-score-for-personal-loan","tag-cibil-score-required-for-personal-loan","tag-how-much-cibil-score-required-for-personal-loan","tag-how-much-cibil-score-required-for-personal-loan-in-india"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much CIBIL Score is Required for a Personal Loan? - DayToDayLoan<\/title>\n<meta name=\"description\" content=\"Find out how much CIBIL score required for personal loan approval, why it matters, and how to improve your score for better loan eligibility.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much CIBIL Score is Required for a Personal Loan? 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