CIBIL Rank and the CCR: how businesses are scored
Companies get a rank from 1 to 10, derived from the Company Credit Report, not a 300-900 score.
3 min read
What you need to know
CIBIL Rank applies to entities with credit exposure between ₹10 lakh and ₹50 crore. Rank 1 is the strongest and 10 the weakest, and most lenders want to see 1 to 4 for an unsecured facility.
The rank draws on the entity's repayment record, exposure, and the conduct reported by every lender. Directors' personal bureau records are examined alongside it, so a promoter's personal default will affect a company application.
Continue your research
Use this guide alongside our product details and eligibility criteria before choosing a lender.
Frequently asked questions
What is the main takeaway from “CIBIL Rank and the CCR: how businesses are scored”?
Companies get a rank from 1 to 10, derived from the Company Credit Report, not a 300-900 score.
What should I check before acting on this credit score guide?
Review the practical points in the guide against your income, obligations, documents and lender requirements.
Can the information in this guide guarantee loan approval?
No. It is general educational information. A bank or NBFC makes the final decision after checking your credit profile, repayment capacity, documents and the applicable product policy.
How can iFINTRUST help after I read this guide?
An iFINTRUST advisor can review your requirement, explain the documents normally requested and help you compare suitable lending options before you apply.