Is 734 CIBIL score good?

Yes, a 734 CIBIL score is good. It demonstrates responsible credit behaviour and opens up access to favourable interest rates and credit options. Lenders generally view this score positively, making it easier to qualify for loans and credit cards with competitive terms, though further improvement could unlock even better deals.

Is 734 credit score bad?

No, a 734 credit score is not bad. It is considered good and reflects responsible credit management. This score provides access to various credit products at competitive interest rates. While not in the excellent range, it is still strong enough to give you favourable terms from most lenders.

Can I get a credit card with 734?

Yes, with a 734 CIBIL score, you can easily get a credit card. Lenders view this score favourably, so you are likely to qualify for credit cards with good rewards and benefits. You may also receive competitive interest rates and higher credit limits compared to those with lower credit scores.

Is 734 credit score needed for a loan?

A 734 credit score is considered good and increases your chances of loan approval. However, it's not a strict requirement. Lenders may consider other factors like income, employment history, and existing debts. You can check your personal loan eligibility using just your mobile number and OTP through a 100% online process.

How much can you finance with a 734 credit score?

The loan amount you can finance with a 734 credit score depends on various factors, including your income, debt-to-income ratio, and the lender's policies. Generally, a good credit score can help you secure larger loan amounts at competitive interest rates. Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Get funds in 24 hours*.

What is the lowest CIBIL score for a personal loan?

While there's no definitive lowest CIBIL score for a personal loan, a score above 650 is generally considered good. However, lenders may still consider applications with lower scores, but the interest rates and terms may be less favourable.

Is a CIBIL 734 Score Good? What it Means to You?

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734 CIBIL score – Is it good or bad?

A 734 CIBIL score is considered good and places you just below the excellent range. It shows that you manage your credit responsibly and repay your dues on time. Because of this, lenders generally view you as a reliable borrower.

You can also check whether you already have a pre-approved personal loan offer. The entire process is online, with no branch visit required: Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Get funds in 24 hours*. With a score like 734, you may already qualify for competitive loan options.

With this score, you can access a wide range of credit products with favourable terms. Lenders are likely to offer competitive interest rates on loans and credit cards. That said, improving your score further can help you unlock even better interest rates and premium financial products.

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How to improve your 734 CIBIL score?

Improving a 734 CIBIL score is very achievable with consistent financial habits. The most important step is to continue paying all your bills, EMIs, and credit card dues on time. Timely payments play a major role in strengthening your credit profile.

It is also important to keep your credit utilisation ratio low. Try to use less than 30% of your available credit limit. Avoid unnecessary credit enquiries, as too many applications in a short period can affect your score. Maintaining a healthy mix of credit products and regularly checking your credit report for errors can gradually push your score into the excellent range. You can check offer in 2 steps to see how your current score works for you.

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How does a 734 CIBIL score impact interest rates?

A 734 CIBIL score generally helps you qualify for competitive interest rates on loans and credit cards. Lenders see this score as a sign of sound credit management, which is why they offer favourable loan terms and manageable EMIs.

While a 734 score is already good, improving it towards 750 or above can help you secure even lower interest rates, especially on premium credit products. If you are planning to apply soon, you can check your eligibility in only 2 steps and get funds in 24 hours*, all through a simple online process.

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Conclusion

A 734 CIBIL score puts you in a stable position when applying for loans or credit cards. By continuing timely payments, keeping credit usage under control, and avoiding unnecessary credit applications, you can steadily improve your score. Moving closer to the excellent range not only increases approval chances but also helps you save more through better interest rates and loan terms.

Type of fee	Applicable charges
Rate of interest per annum	10% to 30% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) Will be deducted upfront from loan amount.
Bounce charges	Rs. 700 to Rs. 1,200/- per bounce “Bounce Charges” shall mean charges levied on each instance in the event of: (i) dishonour of any payment instrument irrespective of whether the customer subsequently makes the payment through an alternate mode or channel on the same day; and/or (ii) non-payment of instalment(s) on their respective due dates where any payment instrument is not registered/furnished; and/or (iii) rejection or failure of mandate registration by the customer’s bank.
Part-prepayment charges	Full Pre-payment: • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. Part-prepayment • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre- • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
Annual maintenance charges	Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Term Loan: Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.472% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Dec 16, 2025

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How is Your CIBIL Score Calculated?

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Dec 16, 2025

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734 CIBIL Score

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Rs. 40000 - Rs. 55 lakh

734 CIBIL score – Is it good or bad?

How to improve your 734 CIBIL score?

How does a 734 CIBIL score impact interest rates?

Conclusion

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Personal loan interest rate and applicable charges

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734 CIBIL Score

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Rs. 40000 - Rs. 55 lakh

734 CIBIL score – Is it good or bad?

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How does a 734 CIBIL score impact interest rates?

Conclusion

Key offerings: 3 loan types

Personal loan interest rate and applicable charges

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