Improve Your CIBIL Score

What Is The Highest Possible CIBIL Score?

What's The Highest Possible CIBIL Score?
Written by CreditSmart

The Highest CIBIL Score Revealed

The main job of CIBIL is to maintain the records of credit history of all the credit card applicants and present them to the banks whenever the need arises, on special request. The scores, whether they are good or bad, depend on the timely monthly installment payments of all secured and unsecured loans. The scores are divided into 3 segments – bad, good or excellent.

The CIBIL score of a person usually varies from 100 to 900. The higher the number, the more creditworthy you’ve been proven to be. Any score that comes between 100 and 900 is a good score.

So the answer to the question is, the absolute highest score you can achieve with CIBIL is 900 – but it’s virtually certain no one will actually achieve it. It would take many years of very diversified credit building and perfect financial behavior to even launch you into the 850’s. 900 is such a rare feat it would be surprising if anyone in India had the score.

The good news is perfection is overrated. A score of 750 should qualify you for any loan or credit card you might apply for. So lets just focus on what you can do to raise your CIBIL score:

Basis of excellent scores-

An excellent score is built by the following:

  • Clean and clear payment record
  • Not missing any of the installment payments, even a single account
  • Managing all the liabilities within stipulated time frame
  • Credit smartness
  • Not keeping too many credit cards as it will show that your spending is too much driven by credit cards
  • Utilising full credit limit each month
  • Higher percentage of unsecured credit
  • More duration of credit is better
  • Not to enquire too much in a short span of time

Weight age of factors that affect CIBIL scores-

For your information, to maintain the highest CIBIL scores you should know the weight age of the factors that help in attaining them. They are as follows:

  • Repayment history (35%)
  • You’re owing to lenders (30%)
  • Duration of servicing debt (15%)
  • Amount of new credit applied for (10%)
  • Mix of credit or diversified credit (10%)


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