Credit Score for NRIs – Frequently Asked Questions
Short Answer: A number that represents your creditworthiness.
Long Answer: In India, a credit score (often from CIBIL, Experian, Equifax, or CRIF High Mark) ranges from 300 to 900 and indicates how reliably you have repaid debts. A higher score improves your chances of getting loans or credit cards at better interest rates.
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Short Answer: Yes, if they have had credit in India.
Long Answer: If you have ever taken a loan, used a credit card, or had an overdraft facility in India, you likely have a credit score. Even if you live abroad, your credit history in India remains active and is updated as per your financial activity.
Short Answer: Through official credit bureau websites.
Long Answer: You can visit the websites of Indian credit bureaus like CIBIL, Experian, or Equifax, and request your credit report online using your PAN card and other personal details. Some banks also provide free credit score checks through their net banking platforms.
Short Answer: Pay on time and manage debt well.
Long Answer: Timely repayment of EMIs and credit card bills, avoiding high credit utilization, and keeping old credit accounts open can boost your score. Avoid multiple loan applications in a short time as it may negatively impact your score.
Short Answer: Not directly.
Long Answer: Your Indian credit score generally does not influence your eligibility for loans in other countries. However, if you apply for an India-based loan while living abroad, lenders will review your Indian credit score before approving the loan.
