How is cibil score calculated manually?
Emma Miller
Updated on February 15, 2026
A CIBIL score is a 3-digit number that assesses your creditworthiness. It has a range from 300-900 and is calculated by the TransUnion CIBIL credit bureau after taking into consideration several factors….How Is Your CIBIL Score Calculated?
| Payment History | 30% |
|---|---|
| Credit Type and Duration | 25% |
| Other Factors | 20% |
What are factors in calculating your credit score?
Payment history, the number and type of credit accounts, your used vs. available credit and the length of your credit history are factors frequently used to calculate credit scores.
What are the most important factors in calculating credit score?
Payment history — whether you pay on time or late — is the most important factor of your credit score making up a whopping 35% of your score. That’s more than any one of the other four main factors, which range from 10% to 30%.
Which cibil score is best?
A good CIBIL score for loans remains the same as that for any other purpose, i.e. any score between 700 and 900. A good score ensures a higher chance of your loan application getting approved. No matter if it is a personal loan, car loan, or home loan you are looking for, a score above 700 is favourable.
Why is my CIBIL minus 1?
CIBIL minus 1 means you have no credit history. If your CIBIL is minus 1, then it means you have not taken any credit or loan till date.
What are the factors that affect the CIBIL score?
CIBIL score is calculated based on your credit history. However, there are certain other factors also that are considered along with the credit history of an individual to calculate the credit score. These factors are as follows in decreasing order of their consideration:
What’s the range of a CIBIL credit score?
A CIBIL score is a 3-digit number that assesses your creditworthiness. It has a range from 300-900 and is calculated by the TransUnion CIBIL credit bureau after taking into consideration several factors.
How does TransUnion CIBIL calculate your credit score?
The credit bureau – TransUnion CIBIL Limited, generates the CIBIL score with the help of credit history provided in the Credit Information Report. This report contains information such as payment history of credit, facilities of the overdraft, history of credit cards over a specific period of time.
What do you need to know about the CIBIL report?
On the other hand, the CIBIL report carries all the credit-related information of an individual such as the payments that one has made, an individual’s borrowing history, etc. Most of the financial institutions check this report to confirm the credit behavior of that person.
