It suggests you have been struggling to pay the dues on time. However, only a handful of lenders would consider offering you credit as this is still not the best CIBIL score range. With a CIBIL score in this range, it will be difficult for you to get a loan or a credit card as you are at a high-risk of turning into a defaulter.ĥ50 – 649: A CIBIL score in this range is considered as fair. It means you have been late in paying credit card bills or EMIs for loans. You might want to consider taking credit, as it will help you in building a credit history and get access to credit products.ģ50 – 549: A CIBIL score in this range is considered as a bad CIBIL score.

If you have not used a credit card or have never taken a loan, you will have no credit history. NA/NH: If you have no credit history, your CIBIL score will be NA/NH which means it is either “not applicable” or no history”.

Here are the different ranges of a CIBIL score. Generally, individuals with a CIBIL score of 750 and above are considered as responsible borrowers. A CIBIL score ranges from 300 – 900, 900 being the highest.

Wrong buzzer sound effect download