can i get home loan without cibil score

Yes, obtaining a home loan without a CIBIL score is possible, though it is more challenging. Lenders will typically rely on manual underwriting instead of an automated credit check. The loan officer will personally review your financial profile, looking at "non-traditional credit history" like consistent, on-time rent, utility, and insurance bill payments. You will also need to demonstrate strong income, employment stability, a low debt-to-income ratio, and preferably have a larger down payment to increase your chances of approval.