Your go-to resource for financial wellbeing

CIBIL Score

CRIF score and CIBIL score are both 3-digit numbers between 300 and 900, issued by two different RBI-licensed credit bureaus. CIBIL is the oldest and most used by banks for personal loans, home loans, and credit cards. CRIF High Mark has deeper data on NBFCs, microfinance, and small-ticket loans. Your two numbers can differ, and that's normal, not an error.

By Mohit Juneja | 13 August 2026

CIBIL Score

For CIBIL, the lowest numerical score is 300. CIBIL's consumer score ranges from 300 to 900. Other credit bureaus may use their own scoring models and ranges, so don't assume 300 is the universal floor for every bureau, not simply a lack of credit history. That distinction matters, because no history at all shows up differently, as NA or NH, not as 300.

By Mohit Juneja | 13 August 2026

Credit Card

Credit card EMI conversion is when your card issuer turns a large bill or purchase into fixed monthly instalments over a set tenure, usually at 12-18% interest, instead of letting it sit as revolving debt at 36-42%.

By Mohit Juneja | 13 August 2026