673 CIBIL Score

A 673 CIBIL score is considered average and falls just below the "good" category. It indicates moderate creditworthiness, meaning lenders may view you as a medium-risk borrower. While you may qualify for loans or credit cards, the terms are likely to include higher interest rates and stricter repayment conditions. To access better financial products, you should aim to improve your score above 700. Consistently practising financial discipline, such as timely repayments and maintaining a low credit utilisation ratio, can help boost your score. With an improved credit profile, you can secure lower interest rates and more favourable loan terms.
 

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Improving a 673 CIBIL score requires disciplined financial behaviour. Pay all EMIs, credit card dues, and other bills on time to enhance your repayment history. Keep your credit utilisation ratio below 30% to reflect responsible borrowing habits. Avoid applying for multiple credit accounts simultaneously, as frequent hard inquiries can reduce your score. Regularly monitor your CIBIL report for errors and rectify them promptly. Building a balanced credit portfolio with a mix of secured and unsecured loans also strengthens your profile. By following these practices consistently, you can raise your score above 700, gaining access to better financial products and terms.

A 673 CIBIL score often results in higher interest rates and stricter borrowing terms, as lenders consider it a moderate-risk score. While you may qualify for loans or credit cards, you may face higher EMIs or lower credit limits. To access better interest rates and terms, work on improving your score above 750. Practising timely repayments, reducing credit utilisation, and maintaining a strong credit profile can significantly enhance your score. A higher CIBIL score demonstrates financial reliability, enabling lenders to offer you competitive interest rates and favourable loan conditions, saving you money and broadening your financial options.

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.

You can check if you have a pre-approved loan offer with just your phone number and OTP – no need to visit the branch.