Is 650 a good credit score?

A 650 credit score is generally considered fair but not ideal in the Indian context. While most credit bureaus like CIBIL use a range from 300 to 900, a score of 750 or above is typically preferred by lenders for the best interest rates on loans and credit cards. A score of 650 may allow you to qualify for certain credit products, but you might face higher interest rates or stricter terms. To improve your score, ensure timely repayments, maintain a low credit utilization ratio, and regularly monitor your credit report.