Is 600 a good CIBIL score in India?

A CIBIL score of 600 in India is considered "fair" but not "good". Most banks prefer 750+ for personal loans with best rates. However, NBFCs and fintech apps like Money View, KreditBee, and EarlySalary often accept scores of 550-650 for loans of ₹50,000 to ₹2 lakhs — though interest rates may be higher (24-36% p.a.).

CIBIL Score Ranges in India (2026):
• 300-549: Poor → Loan approval unlikely
• 550-649: Fair → NBFCs may approve with higher rates
• 650-749: Good → Most lenders consider you
• 750-900: Excellent → Best rates + highest approval odds

If your score is 600, here's how to improve approval chances:
• Keep credit utilization under 30% of limit
• Pay all EMIs/credit card bills on time
• Avoid applying to multiple lenders at once
• Check your report for errors and dispute them

👉 Want to check which lenders accept 600 CIBIL?
Check across 10+ lenders (Free, No CIBIL impact)

✅ Updated April 2026:
• Money View: Accepts CIBIL 550+ for pre-approved offers
• KreditBee: New flexible criteria for 600-650 segment
• RBI: Updated guidelines on responsible lending (March 2026)

📚 Related Guides:
• How much loan with ₹20k salary?
• How much loan with ₹16k salary?
• 👉 Check your eligibility now (Free)

Disclaimer: CIBIL score is one factor in loan approval. Interest rates 12-36% p.a. T&C apply. This page contains affiliate links — I may earn a commission at no extra cost to you. Please read all terms carefully before applying. Not financial advice.

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