is 650 a good cibil score

A CIBIL score of 650 is generally considered **fair**, which is slightly below the threshold for strong creditworthiness. While you may qualify for loans or credit cards with this score, lenders often view it as moderate risk and may charge higher interest rates or impose stricter terms. It is highly recommended to improve your score to 700 or above to secure better financial products and more favourable lending conditions.