Minimum CIBIL Score for Personal Loan in India 2025

A personal loan is the type of funds an individual takes from banks or NBFCs like Aditya Birla Company Limited. Usually these are easy to get because they are unsecured funds; therefore, collaterals are not required, and a person can use it according to necessity. In India the process of getting personal loans varies according to the region, platforms, banks etc. but the thing which is same everywhere is the CIBIL score, which is often compulsory. 

And, if you want to know of the minimum CIBIL score for personal loan is, then you are at the right place. This article will help you to understand the eligibility criteria of getting a personal loan on the basis of a minimum CIBIL score. 

What Does CIBIL Score Mean?

It usually refers to a three-digit number ranging from 300 to 900. TransUnion CIBIL is one of the credit bureaus in India that issues CIBIL scores.The score is calculated on the basis of past loan history, continuity of installments, and other financial activities. Minimum CIBIL Score for Personal Loan in India 2025:-

Minimum CIBIL Score for Personal Loan Easy steps to improve your CIBIL Score and then avail loan up to Rs.20 lakh with low interest rates and easy EMI plans.

Every bank and NBFCs uses its reference of the financial credit report of an individual before approving any type of loan. To understand the how this system works here take a look at the table below:

CIBIL Score	Staus	Approval Chances	Interest rates
750 – 900	Excellent	Very High	Low
700 – 749	Good	Good	Moderate
650 – 699	Fair	Possible	High
600 – 649	Low	Low	Very High (May need Guarantor)
Below 600	Poor	Very Low	Likely Rejected
NA/NH	No Applicable / No History	Depends on Lenders	No Credit Record

Why CIBIL Score Matters?

✅ Increases the chances of getting loan 

✅ Gets you low-interest personal loans

✅ Strengthens an individual for negotiating with lenders 

✅ Provide the chances of getting higher amount of loans

✅ Fast approval process

How To Improve CIBIL Score?

Many people in India have Minimum CIBIL Score for Personal Loan which creates problems in their growth. Here are some ways by which you can improve your score:

• Try to pay all EMIs and credit card bills on time.
• Check your credit report on regular basis for errors 
• Settle the missed payments first
• Maintain a balance of secured (Home/Car loan) and unsecured (Personal loan/Credit Card)
• Try to avoid frequent loans and requests regarding credit Cards 

Minimum CIBIL Score for Personal Loan across the Popular Lenders in India

Loans Providers	CIBIL Score (Approx.)
ICICI Bank	700+
Axis Bank	700+
HDFC Bank	700+
SBI	650+
Bajaj Finserv	650+
Navi	650+
KreditBee	600+

CIBIL Score indicates how a person has managed its previous loans, EMIs, and credit cards, which indirectly helps the lenders to evaluate the creditworthiness during the process of applying for a loan. The higher the score the chances of getting personal loan with low interest rate, but if the score is low then the chances are very low. However, there are several platforms and fintech apps like KreditBee, Navi etc. that provide personal loans at minimum CIBIL score but at higher interest rates.

Personal Loans: Aditya Birla Personal Loan Apply Online & Eligibility, Interest Rate

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