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Omozing Answers › Credit scores and bureaus › Score bands
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
Band labels are a general guide. Each lender sets its own cut-offs, and each bureau scores slightly differently.
| At 700–749 | At 750+ | |
|---|---|---|
| Bank personal loans | Usually eligible if income and FOIR fit | Eligible, often with more pre-approved offers |
| NBFC personal loans | Widely eligible | Widely eligible |
| Interest rate | Competitive, though some lenders keep their lowest rates for higher scores | More likely to be offered a lender’s lowest rates |
| Credit cards | Most mainstream cards | Premium cards more likely |
| Room for error | One missed EMI can drop you into the fair band | A little more cushion |
Score is only half the decision. A 730 with EMIs already taking 60% of take-home can be declined, while a 680 with no other loans is approved. Lenders check FOIR, the share of your take-home already going on EMIs, and many cap it at around half. FOIR explained.
Keep each card under about 30% of its limit on the statement date. Why 30% matters.
A long, well-run card shows a track record. Closing it can shorten your history.
A closed loan still shown as open can hold you back. Get your free annual report from each bureau.
Every on-time month adds to your record. There is no shortcut, and no one can promise a date.
You are well within our criteria. Rates start from 11% a year, and the full cost is shown in the Key Fact Statement before you sign.
Aarav vs Priya: Tap through a year of two borrowers with the same salary and very different habits.
Yes. 720 is in the good band and meets the score rule most lenders set for a personal loan, though your income and existing EMIs still matter.
Usually, yes, from both banks and NBFCs, provided your income is steady and your EMIs don’t already take too much of your take-home pay.
Not always. Some lenders reserve their lowest rates for 750 or more. Compare the APR in each lender’s Key Fact Statement.
Common reasons are a high FOIR, a recent late payment, many open loans or unstable income. A good score doesn’t override these. More on rejections with a good score.
It depends on what is holding you below 750. Lowering card use can show within a reporting cycle or two; building a longer history takes months. No one can promise a timeline.
Next questions people ask:
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