CIBIL Score Simulator
Toggle actions below to see how financial decisions could affect your credit score.
Current CIBIL Score
742
Good range · 600–749
Close an old credit card
Card held for 5+ years. Closing it removes utilisation but may hurt credit age.
Impact: +5 ptsMake a late payment
Missing an EMI or minimum payment by 30+ days triggers a delinquency mark.
Impact: −40 to −60 ptsApply for a new loan
Each hard pull from a lender enquiry reduces your score temporarily.
Impact: −8 to −10 pts per enquiryReduce credit card utilisation
Current: 42%. Adjust slider to see the impact of reducing or increasing utilisation.
Fair — keep it below 30% for better score.
Pay off this loan amount
Paying down principal reduces your debt-to-credit ratio, improving your score.
Simulated estimates only. Actual CIBIL changes depend on lender reporting timelines, credit bureau processing, and individual credit history.