Is 674 a good credit score?

A credit score of 674 is generally considered fair or average in India. Most credit bureaus, such as CIBIL, range scores from 300 to 900, where 750 and above is considered excellent. While 674 may qualify you for many loans and credit cards, you might not receive the lowest interest rates or premium benefits. To improve your score, ensure timely repayment of all EMIs and credit card bills, and maintain a low credit utilization ratio. Consistent financial discipline helps in moving toward a better credit category.