You've Been Logged Out
For security reasons, we have logged you out of HDFC Bank NetBanking. We do this when you refresh/move back on the browser on any NetBanking page.
OK- Home
- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow2India (Foreign Inward Remittance)
- Religious Offering's & Donation
- Forex Services for students
- RemitNow (Foreign Outward Remittance)
- Remittance (International Money Transfers )
- Visa CardPay
- Cards
- Bill Payments
- Recharge
- Payment Solutions
- Money Transfer
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- Shop Offers, Discounts
- My Mailbox
- My Profile
- Home
- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow2India (Foreign Inward Remittance)
- Religious Offering's & Donation
- Forex Services for students
- RemitNow (Foreign Outward Remittance)
- Remittance (International Money Transfers )
- Visa CardPay
- Cards
- Bill Payments
- Recharge
- Payment Solutions
- Money Transfer
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- Shop Offers, Discounts
- My Mailbox
- My Profile
- Home
- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow2India (Foreign Inward Remittance)
- Religious Offering's & Donation
- Forex Services for students
- RemitNow (Foreign Outward Remittance)
- Remittance (International Money Transfers )
- Visa CardPay
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- Shop Offers, Discounts
- My Mailbox
- My Profile
- Personal
- Resources
- Learning Centre
- ThisPageDoesNotCntainIconPay
- What is a credit score
What Is A Credit Score?
Credit scores simplified

Definition of credit score
A credit score is an indicator of a person’s creditworthiness, or their ability to repay debt.
It is usually expressed as a number based on the person’s repayment history and credit files across different loan types and credit institutions.
Credit score is also known as a credit rating.
Credit scores in India
In India, there are four credit information companies licensed by Reserve Bank of India.
These are Credit Information Bureau (India) Limited (CIBIL), Experian, Equifax and Highmark.
The most popular credit score in India is the CIBIL rating.
The CIBIL credit score is a three-digit number, which ranges from 300 to 900, with 900 being the best score.
Why you need a good credit score
A good CIBIL credit score is considered to be 750 or higher.
Banks and lending institutions use credit scores to assess whether you are worthy of credit.
The better your credit score, the higher are the chances of getting your loan approved.
You are also likely to get additional benefits, such as low interest rates, better repayment terms and quicker loan approval process.
Credit score calculation
Your credit score is calculated by an algorithm than takes into account several factors.
Each factor gets a different weightage in the calculation.
The factors under consideration include the following:
Your repayment history across debt categories (such as loans and credit cards)
Your total credit balance
Balance between secured and unsecured loans
Number of loans and credit cards you have
Credit utilization
How to check your credit score
You should ideally check your credit score before applying for a loan or credit card.
Place an online request to receive your credit score on the credit rating company’s website.
The credit rating agency may charge you for this service.