663 CIBIL Score

A 663 CIBIL score is considered average, suggesting moderate creditworthiness. While it is not a poor score, it falls short of the "good" range. Borrowers with this score may qualify for loans and credit cards, but the terms may not be the most favourable. Higher interest rates, lower credit limits, and fewer financial product options are common challenges. A 663 score reflects the need for better financial discipline to improve creditworthiness. Consistently paying bills on time, reducing credit utilisation, and avoiding frequent loan applications can help raise your score. Aim for a score above 700 to access better opportunities.
 

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To improve your 663 CIBIL score, focus on punctual repayment of EMIs and credit card bills. Timely payments positively impact your credit history and score. Keep your credit utilisation ratio below 30% to demonstrate responsible credit usage. Avoid frequent loan or credit card applications, as hard inquiries can lower your score. Check your CIBIL report regularly for errors or discrepancies and get them rectified promptly. Maintaining a balanced credit mix of secured and unsecured loans can also improve your score. With consistent financial discipline, you can gradually increase your score above 700, enabling you to qualify for better financial products.

A 663 CIBIL score impacts interest rates by categorising you as a moderate-risk borrower. Lenders may approve loans or credit cards but offer higher interest rates and stricter repayment conditions. A higher interest rate means higher overall borrowing costs. Improving your score above 750 can help you qualify for competitive rates and better terms. Practising good credit habits, such as timely payments and low credit utilisation, can positively influence your score. Over time, a higher score reflects financial reliability, allowing you to secure loans at lower interest rates, reducing your financial burden and improving affordability.

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.
    

Our representative will contact you for further steps.

Check your eligibility for personal loan using just mobile number and OTP – 100% online process.