The CIBIL check generates a credit score, which is a 3-digit number usually ranging between 300 and 900. A score below 300 is poor whereas the score of 900 is ideally the best. Every month, various banks and NBFC’s furnish their reports to check CIBIL score for multiple individuals and businesses.

In this edition of the reader audit, we consider the financial journey of a 31-year-old software engineer (who prefers anonymity). This is how he moved from bank deposits to goal-based investing with mutual funds. We feel proud and blessed that readers come forward to generously share details about their financial life to help and inspire.

The CIBIL check generates a credit score, which is a 3-digit number usually ranging between 300 and 900. A score below 300 is poor whereas the score of 900 is ideally the best. Every month, various banks and NBFC’s furnish their reports to check CIBIL score for multiple individuals and businesses.

1. Apply for a Secured Loan 2. Guarantor Backed Loan 3. Online Lenders 4. Withdraw Provident Fund 5. Salary Advance 6. Proof of Income 7. Opt for a Loan with High-Interest Rates 8. Spouse CIBIL Score 9. Peer-to-Peer Lending 10. Employer's Relationship with the Bank 11. Lower Loan Amount Improve your CIBIL Score Tips to Improve Your Credit Score