796 CIBIL Score

796 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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796 CIBIL Score - Is it good or bad?

A CIBIL score of 796 is considered excellent in India. Scores above 750 generally reflect strong creditworthiness, and a score nearing 800 signifies exceptional financial responsibility. Lenders view this score favourably, increasing your chances of loan approvals and access to premium credit cards with better benefits. You're seen as a low-risk borrower, which can simplify your financial endeavours.


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

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How to improve your 796 CIBIL Score?

While a score of 796 is already excellent, you can aim for an even higher score by consistently paying your bills on time and maintaining a low credit utilisation ratio. Avoid applying for multiple loans or credit cards simultaneously, and regularly check your credit report for inaccuracies. These practices can help you achieve a near-perfect score, offering even more financial advantages.

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How does a 796 CIBIL Score impact interest rates?

Having a 796 CIBIL score positively affects the interest rates offered to you by lenders. With such a high score, you're likely to qualify for loans with lower personal loan interest rates, reducing the overall cost of borrowing. Banks and financial institutions compete to offer you better terms, recognising your strong credit history and low default risk.

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How to apply for personal loan

  1. Visit the Personal Loan page on the Bajaj Finserv website and click on ‘APPLY’.
  2. Enter your 10-digit mobile number and the OTP sent to your phone.
  3. Fill in the application form with your basic loan details
  4. Now, click on ‘PROCEED’ to visit the loan selection page.
  5. Enter the loan amount that you need. Choose from our personal loan variants.
  6. Choose the repayment tenure – you can select tenure options ranging from 12 months to 96 months and click on ‘PROCEED’.
  7. Complete your KYC and submit your application.
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Related link:

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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