{"id":24609,"date":"2022-01-31T09:06:09","date_gmt":"2022-01-31T09:06:09","guid":{"rendered":"https:\/\/tata-blog.osian.dev\/blog\/?p=24609"},"modified":"2022-01-31T09:06:58","modified_gmt":"2022-01-31T09:06:58","slug":"how-to-calculate-cibil-score","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/whats-trending\/how-to-calculate-cibil-score\/","title":{"rendered":"How to Calculate CIBIL Score?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Whether you\u2019re applying for a loan to buy your dream house, your dream car, or cover your next big-ticket purchase, lenders will carefully review your credit score before offering any funds. That\u2019s why maintaining your credit rating at an optimum value is a must.<\/p>\n\n\n\n<p>And checking your CIBIL rating regularly is an integral part of your score upkeep. After all, how will you come to know of any issues with your credit rating if you don\u2019t check it first?<\/p>\n\n\n\n<p>So, if you\u2019re in the process of making a loan decision, here\u2019s how you can conduct a <a href=\"https:\/\/tata-blog.osian.dev\/check-credit-score.html\">CIBIL score check<\/a> to ensure a speedy and seamless loan approval.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to calculate CIBIL score?<\/strong><\/h2>\n\n\n\n<p>Here\u2019s how you can inspect your CIBIL score in a few simple steps:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Head over to the official CIBIL website<\/li><li>Select the \u2018Get your CIBIL report &amp; score\u2019 tab located on the top right of the webpage.<\/li><li>Create a new profile by providing personal details such as e-mail address, DOB, name, phone number, PIN code, and valid identity proof like PAN card, driving licence, passport, or AADHAR card.<\/li><li>Once that\u2019s done, select the \u2018Accept and continue\u2019 option.<\/li><li>An OTP will be sent to your registered mobile number. Type in this OTP and click on the \u2018Continue\u2019 option.<\/li><li>After account creation, to check your CIBIL rating, go to your profile dashboard.<\/li><li>You will be sent to myscore.cibil.com.&nbsp;<\/li><li>Click on the \u2018Member Login\u2019 option. Upon logging in, you will be able to view your CIBIL score.<\/li><\/ul>\n\n\n\n<p>After checking your credit rating, you will have a better outlook regarding your creditworthiness. Also, checking your score early will provide you with ample time to boost your rating if it\u2019s on the lower side. To help you out, here are some tips on how you can boost your score.<\/p>\n\n\n\n<p style=\"color:#FF0000\"><strong>Additional Read &#8211; <\/strong><a href=\"https:\/\/tata-blog.osian.dev\/blog\/personal-loan\/how-to-calculate-cibil-score-for-personal-loan\/\">How to calculate CIBIL score for personal loan?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Improving your CIBIL rating<\/strong><\/h2>\n\n\n\n<p>Here are some tried-and-true ways to boost your CIBIL rating<strong>:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>Avoid making too many loan applications<\/em>: <\/strong>Making too many loan applications leads to too many hard enquiries on your credit history. This can be detrimental to your overall rating. Hence, apply for a loan only after you\u2019ve finalised a lender.<\/li><li><strong><em>Avoid taking multiple loans<\/em>: <\/strong>Having too many loans to your name can increase your debt-to-income ratio, which can negatively affect your credit score. So, as a rule of thumb, it\u2019s best to tackle one loan at a time.<\/li><li><strong><em>Clear the outstanding debts<\/em>: <\/strong>The best solutions are often the simplest. And paying your ongoing debts and credit card bills on time is a sure-shot way of getting your rating up.<\/li><\/ul>\n\n\n\n<p style=\"color:#FF0000\"><strong>Additional Read &#8211; <\/strong><a href=\"https:\/\/tata-blog.osian.dev\/blog\/trends\/what-is-the-difference-between-cibil-score-and-cibil-report\/\">What is the Difference between CIBIL Score and CIBIL Report?<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Wrapping up<\/strong><\/h3>\n\n\n\n<p>Now that you know how to calculate a <a href=\"https:\/\/tata-blog.osian.dev\/check-credit-score.html\">credit score<\/a>, you can easily keep a tab on your rating and resolve any issues before they can negatively affect your loan procedure.<\/p>\n\n\n\n<p>If the process seems too tedious to you, you can also check your credit score at Tata Capital\u2019s website! Yes, just enter a few details, and get your credit report generated within seconds.<\/p>\n\n\n\n<div class=\"wp-block-group alignwide\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/tata-blog.osian.dev\/check-credit-score.html\">Check credit score<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Whether you\u2019re applying for a loan to buy your dream house, your dream car, or cover your next big-ticket purchase. <\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/trends\/how-to-calculate-cibil-score\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":24610,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-24609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-whats-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Calculate CIBIL Score - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Don\u2019t know how to calculate cibil score? Here is our complete guide on how to calculate credit for you to understand. Check out our latest blog and know more.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Calculate CIBIL Score - Tata Capital Blog\" \/>\n<meta property=\"og:description\" content=\"Don\u2019t know how to calculate cibil score? Here is our complete guide on how to calculate credit for you to understand. 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