What credit score do you start with?

In India, you do not start with a specific numerical credit score. If you have no previous credit history, your score is typically reported as -1 or 0, which signifies No History (NH) or Not Applicable (NA). A numerical credit score, ranging from 300 to 900, is only generated after you begin using credit products like loans or credit cards. Usually, it takes about six months of consistent repayment activity for credit bureaus to calculate and display your first official credit score.