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6 CIBIL Bands4 Loan Types · 24 Combos
CIBIL · rate & approval matrix

Loans by CIBIL band, 2026.

Reviewed by Jay Patel· Last reviewed: stale
Jay Patel — Co-Founder & Chief Loan Advisor at Money Matrix Hub
Jay Patel
Co-Founder & Chief Loan Advisor
LinkedIn

Money Matrix Hub maintains a per-band rate matrix — what each of 15 Indian banks will realistically quote for a given CIBIL band, with approval verdicts (PSU vs private vs HFC). Pick your band and loan type to see the playbook.

All CIBIL Band × Loan Type Pages

24 combinations — rate estimates, bank verdicts, and Money Matrix Hub's playbook for each band. Updated April 2026.

CIBIL 800+(prime)

No rate surcharge — floor band

CIBIL 750–799(good)

+0.10% likely surcharge

CIBIL 700–749(acceptable)

+0.35% likely surcharge

CIBIL 650–699(subprime)

+0.75% likely surcharge

CIBIL 600–649(thin)

+1.50% likely surcharge

CIBIL < 600(repair)

Repair-first band