786 CIBIL Score


A 786 CIBIL score is an exceptional credit score, placing you firmly in the excellent category. This score reflects outstanding financial responsibility and creditworthiness, ensuring that you have access to the best financial products, lowest interest rates, and premium credit opportunities. With a 786 score, lenders view you as a low-risk borrower, making it easier to secure loans, credit cards, and mortgages with favorable terms.


A 786 CIBIL score is exceptional, placing you in the top credit category. It guarantees access to the best loan terms, lowest interest rates, and premium financial products with minimal scrutiny.

786 CIBIL Score: Good or Bad

A 786 CIBIL score is a benchmark of excellent credit health, placing you in the top category of borrowers. Here’s a detailed breakdown of the CIBIL score ranges and what they mean:

CIBIL Score Range Category What It Means
300 - 550 Poor High-risk borrower; loan approvals are rare, and interest rates are extremely high.
551 - 650 Fair Moderate risk; limited loan approvals with high interest rates and stricter terms.
651 - 750 Good Reliable borrower; better loan terms and moderate interest rates are available.
751 - 800 Excellent Low-risk borrower; easy loan approvals, higher credit limits, and low interest rates.
786 Excellent Outstanding creditworthiness; access to premium financial products, lowest interest rates, and priority approvals.

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Meaning of a 786 CIBIL Score

A CIBIL score of 786 indicates the following:

  • Excellent Payment History: A consistent track record of paying all EMIs and credit card bills on time.
  • Low Credit Utilization: Likely using less than 20% of your total credit limit, showing strong financial discipline.
  • Diverse Credit Mix: A healthy balance of secured loans (e.g., home loans) and unsecured loans (e.g., personal loans and credit cards).
  • Minimal Hard Inquiries: Limited recent applications for credit, which positively impacts your score.
  • Top Tier Status: A score in the 786 range positions you as a highly reliable borrower, making it easy to access exclusive credit offers and the most favorable loan terms.

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786 CIBIL Score Loans

A CIBIL score of 786 is a good credit score for which a variety of loan options are offered by banks & NBFCs.

Personal Loans

With this score, personal loans of up to ₹50 lakhs are accessible. Interest rates range from 10% to 12% p.a., with repayment tenures of 1 to 5 years. Quick approvals and minimal documentation make these loans ideal for emergencies or planned expenses.

Home Loans

Home loans are available with interest rates starting at 8.15% to 8.75% p.a.. Depending on your income and property value, you can borrow large amounts with repayment tenures up to 30 years.

Car Loans

For car loans, interest rates typically range from 8.50% to 9.25% p.a., financing up to 90% of the vehicle’s cost. Loan tenures range from 3 to 7 years, with flexible prepayment options.

Business Loans

Business loans of up to ₹1 crore or more are available, with interest rates starting at 11% to 13% p.a. These loans can be secured or unsecured, depending on the amount and lender's policies.

Impact of 786 CIBIL Score on Loans

With a 786 score, loan approvals are almost guaranteed. Here’s how your score impacts different financial products:

Credit Product Impact of a 786 CIBIL Score
Personal Loans Quick approval with the lowest possible interest rates and flexible repayment options.
Home Loans Easy approval with reduced EMIs and favorable terms.
Credit Cards Eligibility for premium cards offering cashback, rewards, and higher limits.
Car Loans Guaranteed approval with competitive interest rates.
Education Loans Approved with minimal documentation and favorable terms.

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786 CIBIL Score Credit Cards

A 786 CIBIL score opens access to premium credit cards offering extensive rewards, cashback, and travel perks.

  1. Rewards Credit Cards
    • HDFC Regalia Credit Card: High rewards on travel and dining, plus lounge access.
    • Axis Bank Magnus Credit Card: Exclusive reward points for every spend and luxury benefits.
    • SBI SimplyCLICK Credit Card: Reward points on online shopping at partnered merchants.
    • ICICI Coral Credit Card: Rewards on groceries, movies, and dining.
  2. Cashback Credit Cards
    • Amazon Pay ICICI Credit Card: 5% cashback for Prime members on Amazon and 1-2% on other spends.
    • Flipkart Axis Bank Credit Card: 5% cashback on Flipkart and Myntra, with additional lifestyle benefits.
    • SBI Cashback Credit Card: 5% cashback on online transactions and 1% on offline spends.
    • Axis Ace Credit Card: Flat 2% cashback on all transactions and 5% on utility bills via Google Pay.
  3. Travel Credit Cards
    • Axis Vistara Infinite Card: Complimentary flight tickets and Club Vistara points.
    • HDFC Diners Club Privilege Card: Lounge access and global travel benefits.
    • American Express Platinum Travel Card: Travel vouchers and milestone rewards.
    • Yatra SBI Credit Card: Discounts on travel bookings through Yatra.com.
  4. Premium Credit Cards
    • HDFC Infinia Credit Card: High credit limits, unlimited lounge access, and premium privileges.
    • SBI Elite Card: Luxury and lifestyle benefits, including complimentary memberships.
    • Axis Magnus Credit Card: Superior travel, dining, and entertainment benefits.
    • Standard Chartered Ultimate Card: High rewards across spending categories.
  5. Lifestyle Credit Cards
    • HDFC Diners Club Black: Premium lifestyle and travel rewards.
    • SBI PRIME Card: Points on groceries, dining, and utility payments.
    • IndusInd Legend Credit Card: Exclusive lifestyle rewards for dining and shopping.
    • American Express Membership Rewards Card: Bonus points for regular transactions.

With a 786 CIBIL score, you can negotiate the best terms on loans and access credit cards with premium benefits tailored to your lifestyle and financial goals.

*Note that the credit card options provided above are for indicative purposes, and there can be more comprehensive options. The credit card offers, their eligibility, and the issue of suitable cards are at the discretion of the respective banks & credit card providers.

Impact of 786 CIBIL Score on Credit Cards

A 786 CIBIL score signifies exceptional creditworthiness, providing borrowers with access to the best financial opportunities. Here’s how this score positively impacts key aspects of borrowing:

Aspect Impact of a 786 CIBIL Score
Interest Rate The lowest available rates for loans and credit cards.
Loan Approval Almost guaranteed approval with minimal scrutiny and faster processing.
Credit Limits Banks and credit issuers offer higher credit limits.
Eligibility Access to premium financial products with flexible repayment terms.

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Steps to Increase CIBIL Score from 786 to 800

Although a 786 CIBIL score is already excellent, reaching the 800+ range can further enhance your financial profile, providing access to the most elite credit products and the lowest interest rates.

Here’s how to make that final push:

1. Pay Bills Before the Due Date

  • Why It Matters: Timely payments already boost your score, but paying a few days before the due date demonstrates exceptional financial discipline.
  • Action: Automate payments for all EMIs and credit card bills to ensure there are no delays. Consider paying off balances as soon as they appear on your statement.
  • Pro Tip: Never let a single late payment mar your score.

2. Reduce Credit Utilization Below 10%

  • Why It Matters:While keeping utilization below 20% is good, lowering it to 10% or less can significantly strengthen your credit profile.
  • Action:Pay off balances early, limit discretionary spending, or request a credit limit increase.
  • Example: If your credit limit is ₹1,00,000, aim to use less than ₹10,000 at a time.

3. Avoid New Credit Applications

  • Why It Matters:Hard inquiries from credit applications temporarily lower your score. By avoiding new credit, you keep your score stable.
  • Action:Wait at least 6-12 months before applying for new credit products, unless absolutely necessary.
  • Pro Tip: Use pre-approved offers or soft inquiries to check your eligibility without affecting your score.

4. Monitor Your Credit Report for Perfection

  • Why It Matters:Even small errors, such as incorrect account balances or outdated entries, can prevent you from reaching 800+.
  • Action:Check your credit score & obtain your credit report regularly and dispute inaccuracies with the credit bureau promptly.
  • Pro Tip: Ensure all closed accounts are accurately marked as “Closed” or “Paid in Full.”

5. Maintain a Balanced Credit Mix

  • Why It Matters:A healthy portfolio of secured loans (e.g., home or car loans) and unsecured credit (e.g., personal loans, credit cards) reflects strong credit management.
  • Action:If your portfolio is skewed, consider adding a secured loan or using a credit card responsibly.
  • Pro Tip: Avoid over-reliance on one type of credit, such as personal loans.

6. Retain Older Credit Accounts

  • Why It Matters:Older accounts contribute positively to your credit age, an important factor in achieving an 800+ score.
  • Action:Keep older credit cards and accounts active by using them occasionally for small purchases and paying off balances promptly.
  • Pro Tip: Even if you don’t use an old credit card often, keeping it open helps maintain your credit history length.

7. Pay Off Outstanding Balances Completely

  • Why It Matters:Carrying a balance can limit your score growth, even if small. Paying off balances in full each month reduces credit usage and builds trust with lenders.
  • Action:Always pay more than the minimum due, and ideally, clear the full balance every billing cycle.

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Frequently Asked Questions

Yes, a 786 CIBIL score is excellent, reflecting outstanding creditworthiness and ensuring access to the best loan terms and premium financial products.

No, a 786 score is far from bad. It’s in the excellent category, making you a low-risk borrower in the eyes of lenders.

Pay bills before the due date, keep credit utilization below 10%, avoid hard inquiries, and regularly monitor your credit report for errors.

Maintain timely payments, reduce credit utilization, retain older credit accounts, and ensure a balanced credit mix of secured and unsecured loans.

Keep credit usage exceptionally low (below 10%), pay off outstanding balances in full, and avoid applying for new credit products.

Timely payments, low credit utilization, regular credit report checks, minimal hard inquiries, and a diverse credit portfolio help maintain a high score.

While a 786 score significantly improves loan approval chances, lenders also consider factors like income, debt-to-income ratio, and repayment capacity.

Approximately 10-15% of borrowers have a credit score above 786, placing you in an elite group of financially disciplined individuals.

Keep your credit utilization below 10% for further improvements. For example, if your credit limit is ₹1,00,000, use ₹10,000 or less.

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