What is the Minimum CIBIL Score Required For a Home Loan?

What is CIBIL Score?

A CIBIL Score is a three-digit numeric that lets your lender know your creditworthiness. This scoring ranges from 300 to 900.

Minimum CIBIL Score for Home Loan

The minimum CIBILScore for Home Loan is 611. Check the CIBIL Score for free and see whether you qualify for a Home Loan.

Benefits of a High CIBIL Score

When you have a high CIBIL score, you will get the following benefits on your Home Loan application:

• Easy approval • Lower interest rates • Desired loan amount

5 Ways to Improve CIBIL Score for Home Loan



Paying Due EMIs

Pay the due EMIs of your credit cards and other loans to ensure your CIBIL score improves gradually.


 # 2

Less Usage of Credit Cards

Reduce your unnecessary credit card purchases to maintain your credit utilisation ratio. A low credit utilisation helps improve the score.


 # 3

Borrow Both Secured and Unsecured Loans

Keep your profile diverse by borrowing both unsecured and secured loans. By doing so you can maintain a healthy credit record.


# 4

Applying for One Loan at a Time

Avoid applying for multiple loans simultaneously to avoid hard CIBIL inquiries. When you apply for a loan, a hard inquiry is made that reduces your score.


# 5

Keep Your Credit Cards Active

Don’t close your credit card accounts to maintain a longer credit record. When you close your credit card, it impacts your CIBIL score negatively. Keep them active to maintain a score.

Know your CIBIL Score to See If you Qualify for a Home Loan.

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