Before you close that old card, miss a payment, or apply for a second loan this month — check what it’s likely to do to your CIBIL score first. Select anything that applies below.
Check anything that applies (or that you're considering). This gives you a rule-of-thumb estimate based on publicly documented scoring factors — not an official CIBIL prediction, since the exact algorithm is proprietary.
This is an educational estimate using widely published general scoring factors. Your actual CIBIL score depends on your complete credit history and the bureau's proprietary model — use this to understand direction and rough magnitude, not an exact number.
Why We Built This Instead of Just Explaining the Factors in a Post
CIBIL’s exact algorithm is proprietary and nobody outside the bureau knows the precise weighting. But the general factors and their rough impact are publicly documented and well understood: payment history, credit utilization, credit age, credit mix, and recent inquiries. This tool combines those published factors into a single rule-of-thumb estimate, so you don’t have to mentally juggle five different rules before making a decision.
Important: This Is an Estimate, Not a Guarantee
Your actual score depends on your complete credit history, not just the action you’re checking. Two people who “miss a payment by 30 days” can see very different score drops depending on their existing history. Use this to understand direction and rough magnitude — not an exact number — and always check your real score via CIBIL, Experian, or your bank’s free score check before making a major financial decision.
Frequently Asked Questions
How often should I check my actual CIBIL score?
Most Indian banks and apps (including CIBIL’s own site) let you check it for free at least once a year, and many offer free monthly checks now. Checking your own score is a “soft inquiry” and does not affect your score.
What has the biggest impact on my score?
Payment history, by a wide margin. A single 30+ day missed payment typically hurts more than almost anything else on this list.