India, Oct. 14 -- When it comes to applying for a home loan, eligibility is not decided by documents alone. Behind every approval is a detailed assessment of your financial habits, and at the centre of it all lies your CIBIL score. This three-digit number is more than a statistic-it's a reflection of your credit behaviour over time.

A good CIBIL score for a home loan reassures lenders of your reliability, often leading to quicker approvals and more competitive terms. In this article, we look at why your score matters, how you can calculate your CIBIL score, the simple process to check CIBIL online, and practical strategies to improve your credit score before you take the next step towards homeownership.

Your CIBIL score ranges from 300 ...