CIBIL Score for Personal Loan
Personal loans are unsecured, so lenders lean heavily on your credit score. A higher score usually means quicker approval and a lower interest rate.
At a glance
- Loan amount
- Up to ₹50 lakh
- Interest from
- 9.99% p.a.
- Tenure
- 12 to 84 months
Indicative. The lender sets your final terms.
Key points
What you should know
- 01
750 and above
Best chance of approval and the lowest rates lenders offer.
- 02
650 to 749
Approval is possible, often at a higher rate or for a smaller amount.
- 03
Below 650
Few lenders will approve an unsecured loan. Consider a secured loan or improve your score first.
EMI calculator
Work out your EMI
The rate here is only an example. Your lender will confirm your actual rate.
Monthly EMI
₹16,369
for 36 months
- Principal
- ₹5,00,000
- Total interest
- ₹89,297
- Total payable
- ₹5,89,297
For illustration only. Your actual EMI depends on the rate and tenure the lender offers you.
FAQs
Frequently asked questions
It depends on your income, existing EMIs and credit score. Most lenders keep your total EMIs within 40–55% of your monthly income. Use our eligibility calculator for an estimate.