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Omozing Answers › Credit scores and bureaus
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
Band names are a general guide, not an official scale. Each lender sets its own cut-offs, and each bureau scores slightly differently.
| Score | Label | What it typically means for a personal loan |
|---|---|---|
| 750–900 | Very good | Most lenders will consider you; you are in the best position to compare offers and ask for a lower rate |
| 700–749 | Good | Approval is likely with many banks and NBFCs if income and existing EMIs fit |
| 650–699 | Fair | Many NBFCs lend, usually after reading the last 12 months closely; some banks may decline |
| 600–649 | Weak | Fewer lenders; a clean recent record, steady salary or a co-applicant makes a real difference |
| Below 600 | Poor | Most unsecured lenders decline; focus first on repairing the report |
| NH / -1 | No history | Not a bad score, just no record yet; some lenders have products for first-time borrowers |
For a closer look at the middle bands, see 650–699 and 700–749.
A lender doesn’t approve a score; it approves a person. The same 720 can be read very differently depending on what sits behind it. Here is what a credit officer weighs alongside the number:
Our published threshold is a score of 600, for salaried applicants with take-home pay of ₹40,000 or more. Loans go up to ₹25 lakh over 3 to 36 months, and rates start from 11% a year. A higher score and a clean recent record generally help you to a better offer, but you don’t need to be in the “very good” band to be considered: a credit officer reads your full report, and co-applicants are welcome.
See how we assess salaried applicants from a score of 600.
Aarav vs Priya: Tap through a year of two borrowers with the same salary and very different habits.
Yes. 750 or more is generally treated as very good, and most lenders will consider you for an unsecured personal loan at that level.
Yes, 700–749 is generally seen as good. Many banks and NBFCs lend in this band if your income and existing EMIs fit their rules.
There is no single minimum; each lender sets its own. Many banks look for 700–750, many NBFCs go lower, and Omozing considers salaried applicants from 600.
It is possible but rare, and not necessary. Above about 750, extra points seldom change what lenders offer.
Not on its own. Lenders also check your income, how much already goes on EMIs and your recent repayment record before approving.
Next questions people ask:
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.