774 Credit Score
Is it good or bad?
Your score falls within the range of scores, from 750 to 900, that is considered excellent. A 774 CIBIL Score is a significantly above the average credit score.

A 774 CIBIL Score is a significantly above the average credit score.

Borrowers in this range are likely to receive easy approvals when applying for new credit.


A CIBIL Score of 774 is well above the average credit score. An 774 Score is nearing perfection. You still may be able to improve it a bit, but while it may be possible to achieve a higher numeric score, lenders are unlikely to see much difference between your score and those that are closer to 774.


Public Information
If bankruptcies or other public records appear on your credit report, they can have severe negative impacts on your credit score.
Payment history
Delinquent accounts and late or missed payments can harm your credit score. A history of paying your bills on time will help your credit score. It's pretty straightforward, and it's the single biggest influence on your credit score, accounting for as much as 35% of your Credit Score.
Credit usage rate
To determine your credit utilization ratio, add up the balances on your revolving credit accounts (such as credit cards) and divide the result by your total credit limit. If you owe ₹40,000 on your credit cards and have a total credit limit of ₹1,00,000, for instance, your credit utilization rate is 40%. You probably know your credit score will suffer if you completely use your credit limit by pushing utilization toward 100%, but you may not know that most experts recommend keeping your utilization ratio below 30% to avoid lowering your credit scores. Credit usage is responsible for about 30% of your Credit Score.
Length of credit history
Credit scores generally benefit from longer credit histories. There's not much new credit users can do about that, except avoid bad habits and work to establish a track record of timely payments and good credit decisions. Length of credit history can constitute up to 15% of your Credit Score.
Total debt and credit
Credit scores reflect your total amount of outstanding debt you have, and the types of credit you use. The Credit Score tends to favor a variety of credit, including both installment loans (i.e., loans with fixed payments and a set repayment schedule, such as mortgages and car loans) and revolving credit (i.e., accounts such as credit cards that let you borrow within a specific credit limit and repay using variable payments). Credit mix can influence up to 10% of your Credit Score.
Recent applications
When you apply for a loan or credit card, you trigger a process known as a hard inquiry, in which the lender requests your credit score (and often your credit report as well). A hard inquiry typically has a short-term negative effect on your credit score. As long as you continue to make timely payments, your credit score typically rebounds quickly from the effects of hard inquiries. (Checking your own credit is a soft inquiry and does not impact your credit score.) Recent credit applications can account for up to 10% of your Credit Score.


Consider a credit-builder gold loan
Consider a credit-builder gold loan
Gold loans can help build borrowers' credit profiles, by demonstrating the ability to make regular monthly payments. When you take a doorstep gold loan with indiagold, you get a loan where you only need to pay the interest amount without worrying about the principal repayment. Gold loans at indiagold also have a very low interest rate, starting at just 0.69% per month. Once you've paid off enough installments, you get your gold back. Moreover, pickup and release of gold from your home are free. It's a neat way to not only utilize the gold that may be lying as a dead asset at your home, but also bump up your repayment history in front of the national credit bureaus, which can lead to credit-score improvements.
Pay your bills on time
Pay your bills on time
Paying your bills on time is the most important thing you can do to improve your credit score. It shows lenders that you are responsible with your money and that you can be trusted to pay back what you borrow.
Avoid high credit utilization rates
Avoid high credit utilization rates
Credit utilization, or debt usage, is the basis for about 30% of your Credit Score. Keep your utilization rate below about 30% can help you avoid lowering your score.
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Gold Loan Starting @ 0.69% Per Month*


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*8.28% Annual percentage rate ( APR ). Only in certain Geographies and with certain lenders. T&C Apply.

^ Indicative time measured for a loan of Rs 50,000 carried under controlled conditions.

Representative Example: A customer avails a loan of Rs.5,00,000/- @8.28% ROI and pays back the cost of Rs.5,20,700/- during the tenure of 180 days by considering that interest is serviced monthly.

Minimum period of repayment is 61 days and Maximum period of repayment is 12 months. Effective monthly interest rate post rebate in Regular Rebate Max Value Scheme with Loan Tenure of 6 months

Contact Information (Registered Office): 7th Floor, BPTP Centra One, Golf Course Extension Road, Sector-61, Gurgaon, Haryana - 122102. Phone Number: 080-68495878, 080-45305174

There are no associated fees and charges in indiagold schemes. Foreclosure charges could be levied on some of the loan schemes

We don't offer personal loans which require repayment in full in 60 days or less from the date the loan is issued. Subject to the necessary KYC and verification. T&C apply

Maximum Annual Percentage Rate (APR) is 21%. For any queries, you can email us at support@indiagold.co. For any escalations, you can write to our Grievance Officer at compliance@indiagold.co.