794 CIBIL Score

794 CIBIL Score

Simple tips to improve your CIBIL Score and secure better financial options. Check your eligibility for personal loan with your phone and OTP - no branch visit needed.
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Rs. 40000 - Rs. 55 lakh

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794 CIBIL Score - Is it good or bad?

A CIBIL score of 794 is considered a very good credit score in India. Typically, scores above 750 indicate strong creditworthiness, making it easier for you to secure loans and credit cards with favourable terms. Lenders view a score of 794 positively, meaning you’re seen as a low-risk borrower, which often results in quicker approval processes.
 

✅  Check your eligibility for personal loan with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

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How to improve your 794 CIBIL Score?

While a score of 794 is already very good, you can enhance it further by maintaining timely payments, reducing outstanding debt, and avoiding multiple credit applications. Monitoring your credit utilisation ratio and promptly addressing errors in your credit report can also help boost your score, ensuring you maintain an excellent rating that opens doors to better credit options.

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How does a 794 CIBIL Score impact interest rates?

A 794 CIBIL score positively influences personal loan interest rates for loans. With a score in this range, lenders consider you a low-risk borrower, often resulting in more competitive interest rates on loans, including personal loans and home loans. The higher the credit score, the better your chances of securing low interest rates, helping reduce overall borrowing costs in the long run.

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Related links


640 CIBIL Score650 CIBIL Score687 CIBIL Score
698 CIBIL Score710 CIBIL Score720 CIBIL Score
723 CIBIL Score732 CIBIL Score792 CIBIL Score
794 CIBIL Score796 CIBIL Score804 CIBIL Score

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

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 for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

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) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • 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 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000