21/3/2026, 2:20:01 pm

Understanding Credit Scores in India: Why and How to Improve Them

A credit score is a three-digit number, usually between 300 and 900, that shows how trustworthy you are as a borrower. Banks use it to judge loan risk, and a higher score can mean quicker approvals, lower interest rates, and better terms. Timely payments, low credit use, and healthy credit mix help improve it over time.