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Debt Management

A 776 CIBIL Score is generally considered a strong score on India's 300–900 scale. It can support your chances of getting competitive credit terms, but lenders may use different internal eligibility criteria. It's usually strong enough for an unsecured personal loan, most credit cards, and competitive rates on secured loans, though a few premium products and larger loan amounts can still depend on income and other factors.

By Mohit Juneja | 31 August 2026

Credit Score

Personal CIBIL is the individual credit score, ranging from 300 to 900, that reflects how you've repaid your own loans and credit cards. For businesses, TransUnion CIBIL provides commercial credit information and products such as CIBIL Rank. This is different from an individual's personal CIBIL Score. For most salaried borrowers, only the personal score matters.

By Mohit Juneja | 31 August 2026

Loan Settlement

Your Yes Bank personal loan is stuck at ₹5 lakh owed. You've missed six months of payments. Yes Bank's collections team keeps calling. They're tired of chasing you. You're tired of dodging them. One morning the phone rings. It's a proposal. Pay ₹3 lakh now. Walk away. The loan is closed.

By Mohit Juneja | 31 August 2026