What Are The New Rules And Changes Made In The Cibil Score 2025?

The Reserve Bank of India (RBI) has dropped a new rule — and it's got something to do with your CIBIL score. If you're looking to get a loan anytime soon — home, car, or personal — this might matter more than you think.

What are the new rules and changes made in the CIBIL Score 2025?

RBI wants banks and other lenders to be a lot more transparent when it comes to your credit score. That means if your loan gets rejected or delayed because of your CIBIL score, you’re supposed to know why. Lenders have to tell you. And if there’s a mistake in your credit report? You now have time to fix it before they move ahead with your application.

Sounds good, right? Yeah, it is… mostly. But here’s the catch — it might slow things down for you.

Why it might delay your loan

Let’s say you’re applying for a car loan. Earlier, if your credit score didn’t look good, the bank could just say “no” and move on. Now, they’re supposed to flag the issue and give you time to sort it out. That might mean a week, two weeks, maybe more — depending on what’s wrong.

Even something simple like your PAN number not matching up could throw a spanner in the works.

Quick facts on new CIBIL score rules:

• You’ll now get written reasons if your score affects loan approval.
  
• If your score’s low due to an error, you’ll have 30 days to fix it.
  
• Banks can’t just auto-reject based on score dips — a person has to check it.
  
• CIBIL reports will be updated more frequently now.
  

What is a CIBIL score?

A CIBIL score (Credit Information Bureau India Limited) is a 3-digit numerical value that reflects your creditworthiness or credit history. It ranges from 300 to 900, with a higher score indicating a better credit history and a higher likelihood of being approved for loans or credit.

The score is calculated based on factors like:

• Credit repayment behavior (whether you make payments on time)

• Credit utilization (how much of your available credit you use)

• Credit inquiries (how often you apply for credit)

• Credit mix (the types of credit you use, such as loans and credit cards)

A score above 750 is generally considered excellent, and anything below 700 might be considered risky by lenders, potentially affecting your loan approval or interest rates.

Okay, but what is a good CIBIL score?

CIBIL scores run from 300 to 900. Anything over 750? You’re golden. Under 700? You might want to pause and do some credit repair.

Here’s where you can check a good CIBIL score:

What causes delays in your loan approval?

Here’s the stuff that slows things down:

• Disputes showing as “pending” even though you settled them
  
• Typo* in your name, address, or even your phone number (*misprint of your data)
  
• The credit card bill you forgot about two years ago
  
• You applied for like 4 loans last month — that hurts your score
  
• Too much of your credit card limit is used up
  

What can you do right now?

• Check your credit score. 
  

• Look for errors. Even small stuff can hurt.
  

• Dispute wrong info immediately — it takes time to fix.
  

• Avoid applying for multiple loans at once. It looks bad.
  

• Don’t miss EMI dates. One miss can drop your score.
  

• Keep your old credit cards open. They help, weirdly.

Real People, Real Delays

Take Ritika, for example. She applied for a home loan in Bengaluru. Everything looked fine, but the bank said her score had dropped because of an “unpaid loan”. Turns out, she’d closed the loan last year, but it wasn’t updated. Because of the new rule, the bank had to pause her application and wait till CIBIL fixed it — that took 12 days.

Or Mohit, who wanted a personal loan. His score was 680 — not great, but not terrible. Thanks to the new rule, the lender had to manually review his case instead of auto-rejecting. Took longer, but he actually got the loan. So yeah, slower, but better for him.

Final Thoughts

Look, it’s easy to get annoyed with more rules and more delays. But this one? It's not all bad. It gives you a bit more power. A second chance, even. But only if you stay on top of your credit stuff.

Don’t wait till you need a loan. Check your CIBIL score now. Clean it up if needed. That way, when you do apply, there’s nothing in your way.