what is nh in cibil score

NH in your CIBIL score stands for No History or NOHIT. This status indicates that the credit rating company has no record of your credit behavior. This typically happens if you are new to the credit system and have never taken a loan or owned a credit card. Since there is no credit history available, the credit bureau cannot calculate a three-digit CIBIL score (which ranges from 300 to 900). While NH is not considered a bad score, it may make it challenging to get a loan as lenders lack the information to assess your creditworthiness.