CIBIL Score Simulator
See how credit utilisation, missed payments, enquiries and report errors move your CIBIL score, with indicative 30 and 90-day projections.
Total balances ÷ total limits — check your latest statement
Loan/card applications — soft checks don't count
How the model works: payment history and utilisation carry the most weight, then credit mix/age, then inquiries. The simulator applies published bureau weightings to your inputs — actual scores vary by bureau and lender reporting dates. Not affiliated with CIBIL/TU CIB.
Educational model based on publicly documented credit-bureau methodology (payment history ≈ 35%, utilisation/amounts owed ≈ 30%, mix & age ≈ 15–25%, inquiries ≈ 5–10%). Not credit advice. Source: cibil.com — verify on the official portal.
Verified September 2026 · Methodology · Report outdated info
How to use the CIBIL Score Simulator
- Enter your current score and card utilisation.
- Add recent missed payments and enquiries.
- Read the projected change and the actions that move it most.
About this tool
An educational model of the factors credit bureaus weigh. It shows direction and rough size of change, not your actual score.
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How much does credit utilisation affect my CIBIL score?
It is one of the biggest factors. Keeping card balances under 30% of the limit is the common guideline.
How many points does a hard enquiry cost?
Usually a few points each, fading over months. Several enquiries in a short time hurt more.