GroScore Updated 05 Oct
672of 900
8 vs Sep
PoorFairGoodExcellent
300900
Next bureau refresh in 28 days
6-month trend +24 since May

What's shaping it

4 factors
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Payment history
Paying on time is the biggest driver of your score. Lenders use it to decide if you are a safe bet.
Payments on time
47/ 48 · 97.9%
Fair · one late payment hurting
Set auto-pay on every bill A single 30-day late can cost you 15 to 25 points. Auto-pay is the cheapest insurance.
By account3 accounts
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Credit usage
The share of your total credit limit you are actively using. Keep it below 30% for a healthy score.
Total credit used
34%₹1.37L of ₹4L
Fair · just above the 30% line
Drop one card by ₹16,000 before 25 Oct That is the day Equifax takes the next reading. Hitting 29% here flips the whole factor to Excellent.
By card3 cards
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Credit mix
A healthy blend of unsecured cards and secured loans shows lenders you can handle different kinds of credit.
Active credit lines
53 cards, 2 loans
Good · well-rounded mix
Do not close your oldest card Keeping a long-running line open protects both your mix and your account age.
By line4 open
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New enquiries
An enquiry is logged whenever a lender checks your file. Too many in a short window makes you look credit-hungry.
In the last 6 months
6pulls
Poor · above the 3-in-6 threshold
Pause new applications till Jan 2027 Each hard pull trims 3 to 5 points. Three months quiet and the oldest enquiries start falling off the window.
Recent pulls6 total
INCRED FINANCE Personal loan Sep 202614 days ago
AXIS BANK Credit card Aug 20266 weeks
IDFC FIRST BANK Two-wheeler loan Jul 202611 weeks
BAJAJ FIN LTD Consumer loan Jun 202616 weeks
YES BANK Credit card May 202621 weeks
HDFC BANK Personal loan May 202623 weeks
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Cards & loans
Everything the bureau tracks against your name right now.
Credit cards3 · ₹4L total limit
Loans2 · ₹1.4L outstanding
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SBI SIMPLY SAVE i
Credit card · ····2043
Credit limit
₹1,00,000
Used in Oct
₹71,420

Payment history

No late payments in 3 years
JFMAMJJASOND
24 ···· ···· ····
25 ··· ✓✓✓✓ ✓✓✓✓✓
26 ✓✓✓✓ ✓✓✓✓ ✓···
On time Late · Not reported
StatusActive
Account openedMay 2019
Last bureau updateOct 2026
What you see here is what State Bank reports to Equifax every month. Something looks off? Report it ›
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HDFC BANK i
Personal loan · Active
Sanctioned
₹2,50,000
Balance
₹1,42,500

Payment history

1 late payment, Mar 2026
JFMAMJJASOND
24 ···· ·✓✓✓ ✓✓✓✓
25 ✓✓✓✓ ✓✓✓✓ ✓✓✓✓
26 ✓✓ ✗ ✓✓✓✓ ✓✓ ···
On time Late · Not reported
StatusActive
EMI₹7,840 / mo
Account openedJun 2024
Last bureau updateOct 2026
What you see here is what HDFC Bank reports to Equifax every month. Something looks off? Report it ›
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