--- title: 'CIBIL Score Explained | What is a CIBIL Score? | CIBIL Score in Malayalam' source: 'https://youtube.com/watch?v=Tua2cwJfOak' video_id: 'Tua2cwJfOak' date: 2026-07-31 duration_sec: 736 --- # CIBIL Score Explained | What is a CIBIL Score? | CIBIL Score in Malayalam > Source: [CIBIL Score Explained | What is a CIBIL Score? | CIBIL Score in Malayalam](https://youtube.com/watch?v=Tua2cwJfOak) ## Summary This Malayalam guide explains what a CIBIL score is, how banks use it, and six practical secrets to take your score from 300 to 750+. It covers timely bill payments, credit utilization, secured cards, avoiding hard inquiries, maintaining a healthy credit mix, and regular report monitoring. ### Key Points - **Credit score is essential** [00:03] — Your credit score is used for loans and other financial services; a low score means loan rejection. - **What a CIBIL score is** [01:02] — It reflects your loan history: loans taken, repayments, settlements, penalties, credit cards, and applications. TransUnion CIBIL Limited calculates it. - **Why 750+ matters** [02:03] — A score above 750 gets lower interest rates and can even help you negotiate a lower EMI on existing home loans. - **Secret 1: Pay on time** [03:07] — Never miss a credit card bill or EMI by even one day. Keep auto-debit mandates active so payments happen automatically. - **Secret 2: Use under 30% of your limit** [04:18] — Keep credit utilization below 30% of your total limit. On a ₹1 lakh card, that means using less than ₹30,000. - **Secret 3: Build score with a secured card** [05:28] — If your score is zero, place a fixed deposit (e.g., ₹10,000) and get a secured credit card against it; use about 30% and repay on time. - **Secrets 4 & 5: Avoid hard inquiries and balance credit mix** [06:09] — Multiple simultaneous loan applications create hard inquiries that hurt your score. Maintain a balance of secured (home/gold) and unsecured loans (personal/credit cards). - **Secret 6: Monitor your CIBIL report** [08:11] — Check your CIBIL report at least once a year — often free or for a small fee — to spot errors and track financial stability. ## Transcript score is a big score in our life. Whenever we go, if we want to do a loan or other things, it will not happen without this credit score. It is without this credit score. It is Everyone has a low credit score. Therefore, if we will not get loans. This happens because we are not paying attention. So, imagine that your current credit score is 300. Let's take a look at imagine that your current credit score is 300. Let's take a look at going to share these six secrets through this video. So, if you are going to go into the details of this, if this is your first time watching the video, subscribe to the channel. If you mobile. What is a credit score? Credit score is the What is a credit score? Credit score is the Where have you taken a loan so far and how much of it have you returned properly? Has it been not? Has the settlement been made? Have you approached the banks again and again? How much has this mandate been canceled and have you received a penalty? Has a bounce charge been incurred? You have applied for a loan, how many credit cards you have, all these details will be included in this Many companies are doing it as a mainstay. However, the main company is Sibila. The company is called Trans Union Cibil Limited. This is completely operational. That's why it's called a CIBIL score. So there is the CIBIL Score app. There is an you can use to see its score once you install it. You see its score once you install it. You drops, we will be rejected for a loan . Nothing else to say. We will be rejected for the loan immediately, but if we have a score of 750+, we will get a loan with a lower interest rate . People who have taken home loans from banks, if you have a good CIBIL score above 750, if I have a CIBIL score above 750, I can tell the bank that I want to reduce the EMI of my loan, the interest of my loan, there are interest of my loan, there are went to the bank and wrote it on a white paper and they method has many interest methods. They they checked the civil score. They checked the civil score and Otherwise, it will not change. Otherwise, we will have terrible interest rates. Look at interest is coming in from your bank every month. It's a pretty high interest rate, you there must be a civil score. Or they haven't reduced it. Next, this is mandatory for home and car loans . This is necessary for a home loan, car loan, . Credit scores will be checked for all types of loans. Even personal loans. Let's understand these secrets one by one. The first secret of bill payment is to pay your credit card bills and EMIs credit card bills and EMIs on time, not even a day late. Don't be late even a day. Tomorrow's amount, tomorrow's debit stable. When tomorrow morning comes, they will take the funds through this mandate or if we want to pay, they will actually Keep this mandate turned on. It is a practice that automatically debits funds. This mandate is called this notch. What will we do if we have set this up? We will have a little more benefit. The funds will go automatically. We example, let's take a vehicle loan. Then imagine that we have a five-year loan. If paid that payment correctly within the correct date, then vehicle that we said earlier and then the loan becomes proper. If we have paid off the loan properly and from someone, but next year we can buy a car worth 1 crore us that much funds. Not having a single EMI pending is a for us. We should always see that. It is my pride. It is my record . What should we do to ensure that no one can ever break that record . Once we start getting used to it, utilization. Use less than 30 percent of your total limit you a credit card worth Rs 1 lakh, day, we can load it the next day . Otherwise, if it takes all the funds for a long time, our credit score will continue to decrease . For example, this one lakh rupees thing was mentioned. This Eventually, a situation arose where the credit card was cut off without being used . If you mean it's blocked, So when I went there, I took out a credit card. So it came. The next was approved again. So, while I wasn't using any of this, I had the while I wasn't using any of this, I had the So even if you have a max credit card, can use it above that. Total credit limit. Now the third secret is the secured card trick. If your score is zero, take a fixed deposit FD and buy a secured card on top of it. This will help you increase your score quickly. It is a zero civil score. There is Rs. 10,000 FD and put it somewhere like ICC Bank or HDFC Bank. credit card. You need a credit card on top of the FD. Then take the card. Take the card and take only 30 percent of it and use it. Take only 3,000 and use it. Take it. Take it. Take it. Take it. Take it. Only 3,000 can be taken. Take a maximum of 5,000 and pay it properly and take it without any problem. If you take it without any problem, secret is to avoid hard inquiries. In many banks, an application for a loan at the same time will also come as a hard inquiry to your credit report. He went to a bank and asked for a loan of 10 lakhs, and that bank said it was wrong. Then he went to the next bank and wrong. Then he went to another bank and asked for a loan of 10 lakhs, and they say they won't give us any money. Do you know why ? They will try to type in our PAN number our inquiry report there while we are on the move . I went to SBI and they didn't give me the money give it to Kanara. Now it's here at the Federal Bank. Canara Bank have rejected it, this person should never give it. . Regular. So if you go to one bank and they don't give you anything, you won't get it even if you go to the next bank. Let 's get a second opinion. you shouldn't expect the third one. That's right. Go to the first bank. Sometimes the bank managers there may we can try a third. And Therefore, it is difficult when there are many inquiries . The next secret, number five, is the credit mixed strategy. It is good to maintain a balance between secured loans i.e. home gold loan and unsecured loans i.e. personal credit card personal loan credit card . Take everything to the correct level. That means if it's a personal loan now, you've gold loan, a home loan, everything . So take a very well-planned loan. It's not like you're taking out a lot of loans and then taking out a few more and then taking out a few You should have all the loans. All loans will be there. A loan now, no credit card, going in that direction, keep taking all the things with you . paying them off, and now you are paying more and doesn't care. Don't do that. Everything was done properly . Pay your home loan Get the personal loan EMI correct. Please a better option for us. Next is the sixth report monitoring. Check your CIBIL report for free at least once a year. Please I think 1000th something is how much for a year 1600 1300 400 I don't know the correct exact value is one 1000th something . A ₹600 comes to around ₹700 for a period of six months. And it we can take this and see the CIB score report. So many people would say that it's bad to occasionally check CBI score reports. But not bad. we should check our scores and look at our reports from time to time loan has been closed, that's why I took the CIBIL report . Our CIBIL report is a report that proves whether we as individuals have financial stability . We don't need to look at that report. And who else should I look at? Should I look at the bank? finances We are going in a bad direction inside and we need to fix that. It How many loans have we made pending in a year? How many loans have we made pending in 12 months? three months? When we see this report, we often say, "Let it lie there" and leave it without thinking. If we have an accurate report, we can monitor it and continue many years. 1600 is a huge expense. Yes, obviously it costs money. I can manage my finances and see that as a benefit to me. That one rupee, 1600, will turn into many other benefits for us. What experience, So these are the six secrets. If you pay attention to all of this, you can change your score from 300 to 750. Profit from high score. A low CIBIL score of 300 is a high risk of loan rejection . You will get a loan rejection anyway . There will be high interest rates. The bank will give you 15% to 20% . Many people have probably gone to the bank to take out a home loan. I can know how many people with 14% interest rates and 15% interest rates . A lot of about 300. It was taken from many places and turned into pennies. That's why the interest rate is so high . In this same place, there are many people who are paying interest rates that are 7.5 and 8.5 percent according to the RBI's repo rate get a much lower interest rate. Why do we keep accurate score? There will Why do we keep accurate score? There will low civil score, if you have a high civil score of 750 plus, what is immediate loan approval? Whether it is a credit card or a loan, if you request to immediately get approval. The interest requirement will be within 10 percent. We will get cards with the best offers. These are the benefits of net saving. If you say that you will have a profit of Rs. 1 lakh in long-term loans, you will have a profit of Rs. 1 lakh. If 20 years, you will have a 5 doubt that you can save through this. Then you can manage your own finances well. Again, Again, determines your future. Without knowing this, your friends, relatives, Share the video with everyone. see you tomorrow for another great video. It's Shawni signing by