does cheque bounce affect cibil score

No, a cheque bounce does not directly affect your CIBIL score because credit bureaus mainly track credit activities like loan and credit card repayments, not banking transactions. However, if the bounced cheque was for a loan EMI or credit card bill payment and results in a missed due date, your CIBIL score will be negatively impacted. Furthermore, frequent cheque bounces can hurt your overall creditworthiness in the eyes of lenders, potentially making it harder to obtain new loans or credit cards in the future.