Personal Loan Eligibility Criteria — 2026
Meeting specific eligibility criteria is for securing a personal loan in India, with lenders like IDFC FIRST Bank requir…
Rohan Mehta · 7 Jun 2026
Know your number before a lender does
Credit Score in India
Check your CIBIL score free, understand what moves it, and fix the errors that are costing you a lower interest rate.
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Check your score
Free, soft-enquiry only — checking never hurts your score.
Understand your score
What the number is built from.
- Guide
What Is a Good Credit Score?
The 300–900 range and what each band unlocks.
- Guide
What Affects Your Credit Score
Payment history, utilisation, age, mix and enquiries — weighted.
- Guide
Credit Utilisation Ratio
The 30% rule, and why it is really about statement dates.
- Guide
Hard vs Soft Enquiries
Which checks cost you points.
- Guide
Score of -1, NA or NH Explained
No history is not the same as bad history.
Improve & fix
Practical repair, not "credit repair" scams.
- Guide
How to Improve Your Credit Score
What moves the number in 30, 90 and 365 days.
- Guide
How to Dispute a Credit Report Error
The bureau process and the 30-day resolution rule.
- Guide
Rebuilding After a Loan Settlement
The seven-year mark and how to work around it.
- Guide
Building Credit From Scratch
Secured cards, small EMIs and the 6-month timeline.
Score requirements
What lenders actually want, product by product.
- Guide
Credit Score Needed for a Home Loan
And what each band does to your interest rate.
- Guide
Credit Score Needed for a Personal Loan
Cut-offs by lender type.
- Guide
Credit Score Needed for a Credit Card
By card tier, from entry-level to super-premium.
- Guide
Credit Score Needed for a Car Loan
Secured, so the bar is lower than you think.
Tools
Credit Score calculators
Run the numbers before you talk to anyone selling you something.
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