Your credit score directly impacts your loan approval, interest rates, and eligibility. Learn how to strengthen it the right way.
Why This Matters
Applications may get declined even with strong income.
You may end up paying lakhs more over time.
Reduced loan amount compared to your capacity.
More documentation and bank scrutiny.
Credit Basics
A CIBIL score is a 3-digit number ranging from 300 to 900 that reflects your creditworthiness. The higher your score, the better your chances of getting loan approvals at favourable interest rates.
Excellent — Fast approvals, best interest rates
Good — Moderate approvals, slightly higher rates
Needs Improvement — Limited approval chances
Key Factors
Timely EMI and credit card payments are critical.
Keep usage below 30% of your credit limit.
Balance of secured and unsecured loans helps.
Too many loan applications reduce your score.
See how your CIBIL score affects your loan eligibility
Improvement
Even one delay can impact your score significantly.
Keep utilisation below 30%.
Too many enquiries hurt your profile.
Long credit history improves credibility.
At STRATOCAP, we review your full credit profile, identify issues that banks actually care about, and guide you step-by-step to improve your approval chances before applying.
Get Your Credit Reviewed →