Many people believe you need a perfect CIBIL score to get any loan approved in India. This often leads to frustration when applying for credit, as individuals might think a slightly lower score means an automatic rejection. The truth is, while your CIBIL score is incredibly important, it’s one piece of the puzzle lenders look at.
Understanding the real role of your CIBIL score, alongside other eligibility factors, can change how you approach borrowing. This guide will clarify what a CIBIL score truly represents, how it impacts different loan types, and what you can do to improve your chances of approval in 2026.
Table of Contents
What Is CIBIL Score?
Your CIBIL Score is a three-digit number, ranging from 300 to 900, that summarises your creditworthiness and is managed by TransUnion CIBIL, a credit information company licensed by the Reserve Bank of India (RBI). This score is calculated based on your past repayment behaviour, showing lenders how reliable you are at managing debt.
A score below 650 generally indicates a higher risk to lenders, making it challenging to secure favourable loan terms or even approval. If you don’t maintain a good CIBIL score, you might face loan rejections or be offered loans with significantly higher interest rates.
You can check your CIBIL score and report directly on the TransUnion CIBIL official website.
Your CIBIL score is essentially a financial report card, boiled down to a single three-digit number. It tells lenders how responsibly you’ve handled credit in the past, from loans to credit cards. This score is a quick way for banks and financial institutions to assess your risk before lending you money.
The number reflects your credit health, showing whether you’re likely to repay new debts on time. Lenders use it as a key tool to decide if you qualify for a loan and what terms they can offer you. It’s a critical part of your financial identity in 2026.
Quick Context: Understanding Your Credit Report
Your CIBIL score is generated from the information in your credit report, which lists all your past and current credit accounts. It includes details like loan amounts, payment dates, and any defaults.
A Three-Digit Number
Your CIBIL score always falls within a range of 300 to 900. A score closer to 900 indicates excellent credit health, while a score closer to 300 suggests poor credit behaviour. This number changes over time based on your financial actions.
Reflects Your Credit Health
The score is a snapshot of your financial discipline, showing how well you manage your borrowings. It considers how consistently you pay bills and how much credit you currently use. A strong score reflects a history of responsible borrowing.
Used by Lenders
Every bank, non-banking financial company (NBFC), and even some government loan schemes will check your CIBIL score. They use it to predict your future repayment behaviour. It’s a standardised way for them to evaluate millions of loan applications.
- Key components of your CIBIL score include:
- Your history of paying EMIs and credit card bills.
- The total amount of money you owe across all your loans.
- How long you’ve had credit accounts open.
- The different types of credit you’ve used (e.g., home loan, personal loan, credit card).
- How often you apply for new credit.
Why Is Your CIBIL Score Important?
Your CIBIL score isn’t a number; it’s a powerful tool that significantly influences your financial future. It acts as a gatekeeper for various financial opportunities, especially when you need to borrow money. Without a good score, even small financial goals can become difficult to achieve.
It’s important because it creates trust between you and potential lenders. They rely on this score to quickly understand your financial habits and decide if you’re a trustworthy borrower. In 2026, a healthy CIBIL score is more crucial than ever in a competitive lending market.
Common Confusion: CIBIL is the only factor
The misunderstanding here is that your CIBIL score is the sole determinant for loan approval.
While critical, lenders also consider your income, employment stability, existing debts, and the specific loan product you’re applying for.
Key for Loan Approval
Most lenders have internal CIBIL score cut-offs for different loan products. If your score falls below their minimum requirement, your application might be rejected immediately, regardless of your income. It’s the first hurdle you need to clear.
Affects Interest Rates
A higher CIBIL score often means you qualify for lower interest rates on loans. Lenders see you as a lower risk, and they reward that reliability with better terms. Over the lifetime of a large loan, even a small difference in interest rates can save you many thousands of rupees.
Shows Your Reliability
Your CIBIL score is a reflection of your financial reliability. It demonstrates your commitment to fulfilling financial obligations, which is highly valued by banks and other lending institutions. A strong score tells them you’re a responsible borrower.
| CIBIL Score Range | Impact on Loan Approval | Typical Interest Rates |
| 750-900 (Excellent) | Very High Approval Chance | Lowest Rates |
| 700-749 (Good) | High Approval Chance | Favourable Rates |
| 650-699 (Fair) | Moderate Approval Chance | Standard to Higher Rates |
| 300-649 (Poor) | Low Approval Chance, Often Rejected | Highest Rates, if approved |
How Your CIBIL Score Is Calculated
Understanding how your CIBIL score is put together helps you manage it better. It’s not a mystery, but a calculation based on several clear factors from your credit report. Each factor contributes a certain weight to your overall score, reflecting different aspects of your financial behaviour.
By focusing on these components, you can make informed decisions that positively impact your score. Knowing the calculation helps you avoid common pitfalls and strategically build a strong credit profile. Let’s break down the main elements that CIBIL looks at.
Pro Tip: Review Your Credit Report Annually
You’re entitled to one free full credit report from TransUnion CIBIL each year. Make sure to get it and check for any errors that might be unfairly dragging your score down.
Your Payment History
This is the most important factor, accounting for about as per the latest official guidelines of your score. Paying your EMIs and credit card bills on time, every time, is crucial. Late payments, defaults, or settlements can severely damage your score and stay on your report for several years.
How Much You Owe
Also known as credit utilisation, this factor makes up about as per the latest official guidelines of your score. It looks at the total amount of credit you’re using compared to your total available credit limit. Keeping your credit card outstanding balances low, ideally below as per the latest official guidelines of your limit, shows responsible usage.
Length of Credit
The older your credit accounts, the better, contributing about as per the latest official guidelines to your score. A long credit history with consistent good behaviour demonstrates stability. This is why it’s often advised not to close your oldest credit cards unless necessary.
Types of Credit
Your credit mix, which is about 10% of your score, considers the variety of credit accounts you have. A healthy mix includes both secured loans (like home or vehicle loans) and unsecured loans (like personal loans or credit cards). It shows you can manage different types of debt responsibly.
New Credit Applications
Each time you apply for a new loan or credit card, a “hard inquiry” is made on your credit report, impacting about 10% of your score. Too many applications in a short period can make you seem credit-hungry, which lowers your score. It’s wise to space out your applications.
- Factors that positively influence your CIBIL score:
- Consistently making payments on or before the due date.
- Maintaining low credit card balances relative to your credit limits.
- Having a long history of managing credit responsibly.
- A diverse mix of secured and unsecured credit accounts.
- Infrequent applications for new credit.
Understanding Your CIBIL Score Range
Your CIBIL score isn’t a number; it falls into specific ranges, each with different implications for your borrowing ability. Knowing where your score stands helps you understand what kind of loan offers you might receive. Each range signals a different level of risk to potential lenders.
This understanding allows you to set realistic expectations when applying for credit. It also helps you identify areas for improvement if your score isn’t where you want it to be. Let’s explore what each score range typically means in 2026.
Pro Tip: Aim for 750+
While a score above 700 is generally considered good, aiming for 750 or higher significantly increases your chances of loan approval and better interest rates.
Excellent (750-900)
If your CIBIL score is in this range, you’re considered a highly reliable borrower. Lenders will likely offer you the best interest rates and most favourable loan terms.
You’ll have a wide range of loan products available to you, and approvals are often quicker. This score range indicates a strong history of responsible credit management.
Good (700-749)
A score in the “Good” range means you have a solid credit history. You’ll generally qualify for most loans, though you might not always get the absolute lowest interest rates.
Lenders still view you as a responsible borrower. This is a common and respectable score for many individuals.
Fair (650-699)
This range suggests that while you have some credit history, there might be a few blemishes, such as occasional late payments or high credit utilisation. Getting loans might be a bit more challenging, and interest rates could be higher. Lenders might ask for additional documentation or a co-signer.
Poor (300-649)
A score in this range indicates significant issues in your credit history, such as multiple missed payments, defaults, or high debt. It will be very difficult to get approved for most traditional loans.
If you do get approved, expect very high interest rates and strict terms. It’s crucial to focus on improving your score if it falls into this category.
What Is Loan Eligibility?
Beyond your CIBIL score, loan eligibility refers to the full set of criteria a lender uses to decide if you can receive a loan. It’s a comprehensive assessment of your financial health and ability to repay. Think of it as a checklist that you must tick off to qualify.
Lenders need to be confident that you have the capacity and willingness to honour your debt obligations. This process helps them manage their risks and ensures they lend responsibly. Understanding all eligibility factors gives you a clearer picture of your borrowing potential.
Common Confusion: Loan eligibility is only about CIBIL
It is commonly assumed that if your CIBIL score is good, you are automatically eligible for any loan.
However, eligibility involves many other aspects like your income, age, employment status, and the specific loan requirements.
Meeting Lender’s Criteria
Each lender sets its own specific criteria for different loan products. These can include minimum age, maximum age at loan maturity, minimum income, employment type (salaried or self-employed), and length of employment. You must meet all these conditions to proceed with your application.
Ability to Repay
Lenders primarily assess your ability to repay the loan. This involves looking at your Debt-to-Income (DTI) ratio, which compares your monthly debt payments to your gross monthly income.
A high DTI can signal that you’re already over-leveraged, even with a good CIBIL score. They want to see that you have enough disposable income to comfortably make EMI payments.
Based on Many Factors
Loan eligibility is a complete evaluation. Besides your CIBIL score and income, factors like your current outstanding loans, existing assets, and even your relationship with the bank can play a role. For specific government schemes, additional criteria like caste, gender, or business type may also apply, as seen with schemes like the Stand Up India Scheme or Mudra Yojana.
- Common loan eligibility factors include:
- Age (minimum and maximum limits)
- Income stability and amount
- Employment status (salaried, self-employed, business owner)
- Debt-to-Income ratio
- Existing financial commitments
- Loan-to-Value (LTV) ratio for secured loans
How Your CIBIL Score Affects Loans
Your CIBIL score acts as a powerful lever in the loan application process, influencing everything from approval chances to the final cost of your borrowing. It’s the first impression you make on a lender, and a strong score can open many doors. Conversely, a poor score can make borrowing a much more expensive and difficult endeavour.
This score helps lenders quickly categorise you into a risk profile, which directly translates into the loan products and terms they are willing to offer. Understanding this impact helps you prepare for your loan application and potentially negotiate better terms. Let’s look at the key ways your score makes a difference.
Quick Context: The Risk Factor
Lenders view a high CIBIL score as an indicator of low risk, meaning you’re very likely to repay your loan as agreed. A low score signals higher risk, leading to caution from lenders.
Better Loan Terms
With an excellent CIBIL score, you’re in a strong position to secure more favourable loan terms. This includes longer repayment periods, which can reduce your monthly EMI, and more flexible repayment options. Lenders are more willing to accommodate reliable borrowers.
Higher Approval Chances
A high CIBIL score significantly boosts your chances of loan approval. Many lenders use automated systems that will pre-approve or fast-track applications from individuals with strong scores. You’ll find fewer rejections and a smoother application experience.
Lower Interest Rates
This is one of the most tangible benefits of a good CIBIL score. Lenders offer lower interest rates to low-risk borrowers because they are confident in repayment.
Over the entire duration of a loan, especially for large amounts like a home loan, this can save you substantial money. For example, a difference of 0.as per the latest official guidelines in interest can translate to lakhs of rupees saved on a long-term home loan.
Is There a Minimum CIBIL Score for Loans?
It’s a common misconception that there’s a single, universal minimum CIBIL score required for all loans in India. The reality is more nuanced, as the minimum score can vary significantly. This flexibility means that even if your score isn’t exceptionally high, you might still find suitable loan options.
Lenders tailor their requirements based on the specific loan product, the amount requested, and their internal risk policies. Therefore, what might be acceptable for one type of loan or one lender might not be for another. You need to research the specific requirements for the loan you’re interested in.
Common Confusion: A fixed minimum score exists
The belief is that there’s one magic CIBIL number that guarantees loan approval – but this is incorrect.
The minimum score is dynamic and depends on the lender’s policy, the type of loan, and your overall financial profile.
No Universal Minimum
There isn’t a single, government-mandated CIBIL score that applies to all loans across all banks. Each financial institution sets its own thresholds based on its risk appetite and the economic climate. Some might accept a slightly lower score for existing customers, for example.
Varies by Lender
Public sector banks, private banks, and NBFCs often have different CIBIL score requirements. Some smaller NBFCs might be more lenient, especially for smaller loan amounts, but they might charge higher interest rates to compensate for the increased risk. Always check with the specific lender you plan to approach.
Depends on Loan Type
The minimum CIBIL score also changes based on the type of loan. A home loan, which involves a large sum and a long repayment period, typically requires a higher score than a smaller personal loan or a vehicle loan. Unsecured loans generally demand higher scores because there’s no collateral.
- Factors influencing minimum CIBIL score requirements:
- Loan Amount: Larger loans often require higher scores.
- Loan Tenure: Longer repayment periods may necessitate a better score.
- Secured vs. Unsecured: Unsecured loans usually demand higher scores.
- Lender’s Risk Policy: Each bank has its own internal guidelines.
- Applicant’s Overall Profile: Income stability, existing debts, and employment history are also weighed.
CIBIL Score for Home Loans
Home loans represent a significant financial commitment, both for you and the lender. Due to the large amounts involved and the long repayment tenures, lenders are particularly cautious. Your CIBIL score plays a critical role in securing a home loan, often more so than for other loan types.
A strong CIBIL score signals to the lender that you are a reliable borrower, capable of managing such a substantial debt. Without a good score, even with a high income, securing a home loan can be incredibly difficult. This is because the risk for the bank is much higher.
Pro Tip: Check Your Score Before Applying
Before you even start looking for properties, check your CIBIL score. This gives you a clear idea of your eligibility and what kind of interest rates you can expect.
Higher Scores Preferred
For home loans, most lenders prefer a CIBIL score of 750 or above. This indicates a very low risk profile and makes you eligible for the most competitive interest rates. A score below 700 might make it challenging to get approved, or you might face higher interest rates.
Large Loan Amounts
Home loans typically involve borrowing several lakhs or even crores of rupees. Lenders want maximum assurance that you will repay this large sum over 15-as per the latest official guidelines. Your CIBIL score is their primary indicator of your long-term financial discipline.
Long Repayment Period
The extended repayment period of a home loan means your credit behaviour needs to be consistently good over many years. A strong CIBIL score reflects this historical consistency, giving lenders confidence in your future payments. It assures them you’re less likely to default.
CIBIL Score for Personal Loans
Personal loans are often unsecured, meaning you don’t need to provide any collateral like a house or car. This makes them riskier for lenders compared to secured loans. As a result, your CIBIL score becomes even more crucial in the approval process for personal loans.
Lenders rely heavily on your credit history to assess your repayment capability when there’s no asset to recover if you default. A strong CIBIL score can significantly speed up the approval process and secure you better terms. Without collateral, your score is your primary guarantee.
Quick Context: Unsecured Lending
Personal loans are unsecured, meaning the lender has no asset to seize if you fail to repay. This is why a strong CIBIL score is paramount, as it acts as your creditworthiness collateral.
Often Unsecured Loans
Since personal loans don’t require collateral, your CIBIL score is the main determinant of your creditworthiness. Lenders will look for a higher score, typically 700 or above, to approve these loans. A lower score might lead to rejection or very high interest rates.
Score Is Crucial
Your CIBIL score directly influences the interest rate you’ll be offered for a personal loan. A higher score means you’re likely to get a lower interest rate, saving you money over the loan tenure. Conversely, a low score means you’ll pay more for the same loan amount.
Faster Processing Possible
With a good CIBIL score and a clean credit history, personal loan applications can often be processed very quickly. Some banks and NBFCs offer instant personal loans to pre-approved customers with excellent credit profiles. This efficiency is a direct benefit of maintaining a strong score.
CIBIL Score for Vehicle Loans
Vehicle loans are typically secured loans, where the vehicle itself acts as collateral. While this reduces the risk for lenders compared to personal loans, your CIBIL score still plays a very important role. A good score can significantly improve your loan terms and overall experience.
Lenders use your CIBIL score to determine not only approval but also the interest rate and the loan-to-value (LTV) ratio. This means a better score could help you finance a larger portion of the vehicle’s cost. It’s not about getting the loan, but getting a good deal on it.
Common Confusion: Vehicle loans are always approved due to collateral
The misunderstanding here is that collateral guarantees loan approval, regardless of CIBIL score.
While collateral reduces risk, a low CIBIL score can still lead to rejection or very unfavourable terms, as it signals a general inability to manage debt.
Secured by the Vehicle
Since the vehicle serves as collateral, lenders might be slightly more flexible with CIBIL scores compared to unsecured loans. However, a score of 680-700 and above is generally preferred for competitive rates. A lower score might still lead to rejection or a demand for a larger down payment.
Good Score Helps Terms
An excellent CIBIL score can help you secure a lower interest rate on your vehicle loan. This reduces your monthly EMI and the total cost of the vehicle. You might also be offered a higher loan-to-value (LTV) ratio, meaning you’ll need to pay a smaller down payment.
Impact on Down Payment
If your CIBIL score is lower, lenders might require you to make a larger down payment on the vehicle. This is to mitigate their risk. A strong score, on the other hand, could allow you to finance a higher percentage of the vehicle’s value, reducing your initial out-of-pocket expense.
Steps to Improve Your CIBIL Score
Improving your CIBIL score is a process that requires discipline and consistency, but it’s entirely achievable. A better score opens doors to more affordable credit and better financial opportunities. It’s about building a positive financial habit over time.
By following a few key steps, you can gradually increase your score and enhance your credit profile. Remember, there’s no quick fix, but consistent effort yields significant rewards. Let’s outline the practical actions you can take starting today.
Pro Tip: Be Patient and Consistent
Improving your CIBIL score takes time, often several months to a year. Consistency in your financial habits is key to seeing positive changes.
Step 1: Pay all bills on time, every time.
This is the single most important step. Ensure all your loan EMIs, credit card bills, and other financial obligations are paid by their due dates. Setting up auto-debit for your EMIs can help you avoid missing payments.
Step 2: Keep credit use low, ideally below as per the latest official guidelines of your limit.
Try to keep your credit card outstanding balances well below your total credit limit. For example, if you have a credit limit of ₹1 lakh, try not to use more than ₹30,000. High credit utilisation can negatively impact your score.
Step 3: Avoid too many new credit applications in a short period.
Each time you apply for new credit, it results in a “hard inquiry” on your report, which can temporarily lower your score. Space out your applications and only apply for credit you genuinely need. Multiple inquiries can make you appear desperate for credit.
Step 4: Check your credit report regularly for errors.
Get your free annual credit report from TransUnion CIBIL and review it carefully. Mistakes like incorrect late payments, wrong loan amounts, or accounts you didn’t open can harm your score. If you find an error, dispute it immediately with CIBIL.
Step 5: Close unused accounts wisely, starting with newer ones.
While closing old, unused credit cards might seem like a good idea, it can sometimes shorten your credit history and reduce your available credit, which might negatively impact your score. If you must close accounts, start with newer ones and keep your oldest, well-managed accounts open.
Can You Get a Loan with a Low Score?
While a low CIBIL score makes getting a loan more challenging, it doesn’t always mean it’s impossible. There are still avenues you can explore, though you should be prepared for different terms and conditions. Lenders might view you as a higher risk, which affects their offers.
It’s important to understand these alternatives and their implications. They often come with trade-offs, such as higher costs or additional requirements. The key is to approach these options with caution and a clear understanding of your repayment capacity.
Quick Context: High-Risk Lending
Lenders who offer loans to individuals with low CIBIL scores often compensate for the higher risk by charging much higher interest rates or requiring additional security.
It Might Be Challenging
Traditional banks are likely to reject loan applications from individuals with significantly low CIBIL scores. You might need to explore options from smaller NBFCs or newer fintech lenders who specialise in serving this segment. These institutions might have different risk assessment models.
Higher Interest Rates
If you do get approved for a loan with a low CIBIL score, expect the interest rates to be considerably higher. Lenders impose these higher rates to offset the increased risk they are taking. This means the loan will be more expensive over its tenure.
Need a Co-signer
A co-signer with a good CIBIL score can significantly improve your chances of approval. The co-signer essentially guarantees the loan, meaning if you default, they become responsible for repayment. This reduces the risk for the lender.
Offer Collateral
For unsecured loans, offering collateral (like gold, fixed deposits, or property) can help you get approved even with a low CIBIL score. This converts the loan into a secured one, making it less risky for the lender. Schemes like the Credit Guarantee Scheme aim to facilitate collateral-free loans for MSMEs, but CIBIL still matters for eligibility.
Checking Your CIBIL Score Regularly
Regularly checking your CIBIL score is a proactive and essential financial habit. It’s not about seeing a number; it’s about staying on top of your credit health and protecting your financial future. This simple action can save you from potential headaches down the line.
Monitoring your score allows you to spot issues early, understand what impacts your credit, and make timely adjustments. It’s a crucial step in being a responsible borrower and preparing for future financial needs. Let’s look at why this practice is so important.
Pro Tip: Dispute Errors Promptly
If you find an error on your CIBIL report, dispute it with TransUnion CIBIL immediately. Provide all necessary documentation to support your claim for a quicker resolution.
Monitor Your Credit Health
Regular checks help you understand the trends in your credit score. You can see if your efforts to improve it are working or if certain actions are negatively impacting it. This allows you to adjust your financial behaviour accordingly.
Spot Any Errors
Credit reports can sometimes contain errors due to administrative mistakes or even identity theft. Checking your report allows you to identify these inaccuracies, such as incorrect late payments or fraudulent accounts, and get them rectified. Correcting errors can quickly boost your score.
Plan for Future Loans
Knowing your CIBIL score well in advance of a loan application allows you to plan. If your score is low, you have time to work on improving it before you need the loan. This preparation can lead to better loan offers and a smoother application process when the time comes.
Step 1: Visit the official TransUnion CIBIL website.
Open your web browser and manage to the official TransUnion CIBIL portal. Be sure to use the legitimate website to avoid phishing scams.
Step 2: Request your free annual credit report.
Locate the option to get your free annual credit report. You are entitled to one full report each year as per RBI guidelines.
Step 3: Provide your personal and identity details.
You’ll need to enter details like your name, date of birth, PAN card number, and address. Ensure all information is accurate to successfully retrieve your report.
Step 4: Authenticate your identity.
CIBIL will likely ask security questions based on your credit history or send an OTP to your registered mobile number/email for verification. Complete this step to prove your identity.
Step 5: Review your CIBIL score and report.
Once verified, your CIBIL score and detailed credit report will be displayed. Carefully examine all sections for accuracy, looking for any discrepancies or unfamiliar accounts.
Making Informed Loan Decisions
Making informed loan decisions goes beyond getting approval; it’s about choosing the right loan for your needs and borrowing responsibly. Your CIBIL score is a vital piece of this puzzle, but it’s not the only one. A complete approach ensures you manage your finances wisely.
By understanding your financial standing and the various loan options available, you can avoid financial strain and achieve your goals effectively. Responsible borrowing ensures long-term financial health. Let’s look at how to make smart choices.
- Key considerations for informed loan decisions:
- Assess Your Need: Only borrow what you genuinely need, not what you’re approved for.
- Compare Lenders: Look at interest rates, processing fees, and terms from multiple banks.
- Understand Terms: Read the fine print, including prepayment penalties and late payment charges.
- Calculate EMI: Ensure the monthly EMI fits comfortably within your budget.
Know Your Financial Standing
Before applying for any loan, have a clear picture of your income, expenses, and existing debts. Understand your CIBIL score and what it means for your eligibility. This self-assessment helps you determine how much you can realistically afford to borrow and repay.
Choose Suitable Loans
Don’t take the first loan offered. Research different types of loans – personal, home, vehicle, or specific government schemes like Mudra Yojana or Stand Up India – and compare their features. Pick the one that best matches your purpose, repayment capacity, and CIBIL score.
Borrow Responsibly
Always borrow within your means and have a clear plan for repayment. Avoid taking on too much debt, as this can lead to financial stress and damage your CIBIL score. Responsible borrowing ensures you use credit as a tool for growth, not a burden.
Conclusion
Your CIBIL score is undeniably a cornerstone of your financial life, heavily influencing your open to credit and the terms you receive. By consistently maintaining a good score, you ensure that you’re always in a strong position to secure loans when you need them, at the best possible interest rates. Make a habit of checking your CIBIL score regularly and actively working to improve it, as this proactive step help you to make informed decisions and achieve your financial aspirations.
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How can I check my CIBIL score in India?
What is a good CIBIL score for getting a loan in India?
Can I get a loan if my CIBIL score is low?
Why is my CIBIL score more important for an unsecured personal loan compared to a secured vehicle loan?
What are the key differences between CIBIL score and overall loan eligibility criteria?
What are the most effective strategies to quickly improve my CIBIL score for better loan opportunities?
What should I do if I find an error on my CIBIL report, and how can it impact my loan application?
Which type of loan typically requires a higher CIBIL score: a home loan or a personal loan, and why?
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