Which credit score do banks use in India?

In India, banks primarily use credit scores provided by four Reserve Bank of India (RBI) licensed credit bureaus: TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. Among these, the CIBIL score is the most commonly used by lenders to evaluate creditworthiness for loans and credit cards. These scores typically range from 300 to 900, with a score of 750 or above generally considered excellent. Lenders may check one or multiple bureau reports to assess an individual's financial behavior and repayment history before approving credit applications.